Transferring long term care insurance.

Call ins co whenever you have a question, make note date & person talked to. Check their accounting as I've found many errors. There are hundreds of diff LTC in 1 co. I had to send my DPOA so i could get answers. My husband uses his LTC now but at home & at adult day care. Good luck. I'm sure ive called over 20 times to make sure.

Perhaps you need an insurance agent to go over the policy with you.

Thank you all for answering my questions with your experience. I will consider all your points when I am contacting the insurance company and reviewing the policy.

Bless us all in this journey through life

Just wanted to share my experiences. My mother moved here three years ago, all I did was contact the insurance for change of address (out of state) and paid the premiums. This year I had to file a claim to start getting payments for in home care. No problems other than the waiting period that was already stipulated in the policy. Sadly my mother had declined one of the coverage increases years before I stepped in, so her policy does not pay enough to fully cover care, but it is better than nothing.

If at all possible I strongly suggest that you get all the answers to your questions about the policy before moving your uncle. Insurance premiums -- and policies themselves -- are strongly associated with the state in which they are written/where the insured person lives. For example, the average daily cost of long term care in New York state is likely to be much higher than the cost in New Mexico and, if so, premiums will also be higher -- or it may be more difficult to qualify for coverage. If this move to NY requires new underwriting I believe your uncle may also have to have at least SOME sort of current physical assessment. I hope I'm wrong! But all/most of this should be spelled out in the policy. I would absolutely start with the agent that sold him the policy. Tell him or her that you want him to locate the information in the policy and then tell you exactly where to find it so you can read it and then ask any follow up questions. If you've got an insurance agent in the family or close circle of friends one of them may also be able to help you locate/interpret -- way better than most attorneys, I assure you, unless they are experienced in INSURANCE law. It's like a fairly new television commercial for car insurance...the actor says, "does you policy specifically say that you won't recover the full cost to replace your car? No, it says Blah, blah, blablababa, Blah." And the commercial is right! There's definitely a right time for seeking the assistance of an elder lawyer (tho' I've had miserable luck with those so far...including the ones "certified"!) but insurance is a whole different kettle of fish. Ask an agent. And good luck and angels watch over you on this journey with your uncle.

Read the policy...then when you can't make heads or tails out of it contact the Company or the agent that sold the policy.
The "book" that I have for my LTC policy makes my head spin all I do is contact the agent and I get all my questions answered.

I strongly recommend reading your policy carefully and then contacting the Insurance carrier and speaking with a representative there to receive the most accurate answer. We recently moved my mother in law from out of state and into assisted living. She had been receiving long term care insurance home care benefits, but when we moved her, it was into a memory care facility. The Insurance company walked us through the process and she successfully transitioned into her new accommodations with ease. The Insurance company explained that since her level of care was changing from home health to assisted living, she would need to be revisited and assessed by a nurse, but this was no problem as Mom's needs are quite apparent. She completed the assessment and her coverage switched over from home health benefit to assisted living without a hitch.