I know many will say "read the contract" but before I spend endless time over fine print, I wanted to see if anyone has personal experience or is in the insurance business. So, my situation/question:
My father passed away a couple months ago and had been a nursing home for about 18 months. He was always the type to pay things well in advance. So, I just got a refund check for partial premiums (seems they monitor SSN of deceased to match with clients) on a long term care insurance policy that would have paid for much of his nursing home and also the in-home health care worker I hired before he went into a home.
Unfortunately, I did not even know he had this policy so I was not aware to file for payment of his care. Is there any way to go back and submit documentation from his doctor, receipts, etc. in hopes of any reimbursement? or is it just "**** happens" and SOL. The policy was paid up and in effect at the time of his care and before his death.
My father passed away a couple months ago and had been a nursing home for about 18 months. He was always the type to pay things well in advance. So, I just got a refund check for partial premiums (seems they monitor SSN of deceased to match with clients) on a long term care insurance policy that would have paid for much of his nursing home and also the in-home health care worker I hired before he went into a home.
Unfortunately, I did not even know he had this policy so I was not aware to file for payment of his care. Is there any way to go back and submit documentation from his doctor, receipts, etc. in hopes of any reimbursement? or is it just "**** happens" and SOL. The policy was paid up and in effect at the time of his care and before his death.