A couple things happened to us when we were new to taking care of my in-laws bills, insurance claims, etc.
1. Dad's wallet went missing during a hospital visit. We don't believe it was stolen, but sent to the laundry. Either way, EVERYTHING was in his wallet. Social Security card, Driver's License, credit cards, debit card, etc. Thankfully, no one stole his identity or cleaned out their bank account.
Because the surgery made Dad unable to really think straight for months, he couldn't even tell us which credit cards he had. "I don't know, the amount is paid online automatically every month and I don't even look at it." To get a new drivers license, you have to have a social security card. To get a new social security card, you have to have a valid photo id. See the problem there?
Lesson learned---make copies (front and back) of ALL important things in wallets and purses. To this day, Dad does not have an SS card or a Driver's license. We gave up.
2. While waiting for a room at an assisted living facility, we hired in-home care (8 hours/overnight). They were highly rated and did a great job. However, when we tried to file a claim with their Long Term Care insurance company, it turns out the company must be a "licensed HEALTH care" company. We were out $6,200!
Lesson learned--When considering in-home care and are hoping that a Long Term Care Insurance policy will cover the cost, make certain the company is a "licensed home health care provider" and not just a company that calls itself In Home Care. We didn't know to ask. Insurance companies are in the business of keeping their money.