We are trying to locate my dad's long term care coverage. Any advice on locating a policy that someone has w/out knowing who the company is?

Check his tax returns.

LTCi payments are a deduction and the information on the policy might be there.

Does he have an accountant or lawyer who might have the information?

Is it possible the policy was bought through his job, his union, or a professional organization?

That’s great for the companies that sold these things- that the policy holder paid for years then got dementia and let it lapse.

argh!

Old bank records or old returned checks might offer some clues but unfortunately if he has not been making payments the policy has probability lapsed. You can only hope that there is some conversion value to it. If this is a policy that was part of a workplace insurance plan you could check with his past employer.

My mom purchased long term care policy years ago. Then dementia entered the picture. Mom decided she did not want to pay the premium each month. Or she forgot, we will never know. Her policy lapsed. If you are not ab!e to find a recent payment on his current statements the same thing may have happened to him. Maybe is was setup as an auto pay from an account that you don't know about? Or a trust account?

Good luck. There are not many companies that offer these policies. Is there a safe deposit box?

Hi. This can be frustrating. I would start by contacting the insurance commissioner of your state.

Agreed, there should be a payment. I am not familiar, I don’t have mine (yet), but isn’t it paid yearly? Good luck!

Do you have access to old banking records? You maybe able to find the answer in them.