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Old May 19, 2020, 05:50 AM
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Wild Coyote Wild Coyote is offline
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Member Since: Jun 2016
Location: USA
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Quote:
Originally Posted by BirdDancer View Post
Conflicts are already cropping up between my siblings and me in regards to my father. I know that it will become extra stressful, not that it isn't already stressful. I'll spare people here of the details. My sister is still doing the lion's portion of the work. I am preparing letters for our dad's upcoming neurologist and psychiatrist appointments. Oh how I hope my father won't refuse to go to these appointments!!!! They are so important!

My husband is under great stress, despite not getting laid off. Actually, he now thinks being laid off or taking the package would have been the better situation. Of course with this pandemic, that would have been difficult. I really hope that a vaccine is created and distributed asap. My husband and I will be first in line to receive it.

I have decided to stop talking to my psychiatrist about our potential future move to Europe. His input makes the situation only more difficult. I'll only talk to my therapist about it. My psychiatrist has volunteered to look over the write-up I'm creating for my dad's upcoming neurologist appointment. That's kind of him. He can certainly provide input on how best to structure it (and on some content) to be as effective and helpful as possible.

Believe me when I write that my siblings and I wished our dad's LTC insurance would have paid towards the assisted living. If they did, perhaps our dad would have just stayed there permanently. At this time, I don't think our father even wants to come home. Sadly, we'd rather he not, too. The reason LTC refused is because they use the alcohol abuse as an excuse. According to his policy, even mental illness would cause an exemption. So, basically his LTC regards these issues as the person's fault.
Hi BirdDancer,

You and your siblings have been doing quite well with all of the demands and stress. Many families cannot get along with one another at all.

After you'd posted this, I'd had a dream of you sitting beside my bed, telling me more about your concerns with the issues of the LTC coverage.

I am very sorry your dad's policy excludes anyone with a history of alcohol use/abuse. I have never seen alcohol use, including alcoholism, used as a reason for terminating coverage. I have seen "injuries resulting from alcoholism" listed as an exclusion; yet, I am not sure of what that means exactly. That said, I have no idea of the legal exclusions allowed in your state.

You may already know the following info. If so, please please forgive me.

If you/your siblings/your dad wonder if this type of an exclusion legally terminates coverage, you can contact the State Insurance and Banking Commissioner.

In your state, there is an insurance ombudsman available to assist individuals/families with understanding policies, understanding the state laws/regulations governing the policies, determining if a policy is in compliance with state regulations, assisting with the filing of inquiries and/or the filing of complaints.

The Office of the Insurance Ombudsman

Telephone: 1-800-446-7467
FAX: 609-292-2431
E-mail: ombudsman@dobi.nj.gov

The basic guide for LTC policies in your state, is quite interesting and can be found here:

Ombudsman's Office - What You Should Know About Long-Term Care

I hope something here is somehow helpful in some way.

I have always had excellent outcomes whenever I have involved an insurance ombudsman in inquiries/disputes/complaints.

I hope all works out for the best!
Love and Prayers ~
__________________
May we each fully claim the courage to live from our hearts, to allow Love, Faith and Hope to enLighten our paths.
Hugs from:
Anonymous46341, bpcyclist, Sunflower123, ~Christina
Thanks for this!
bpcyclist, ~Christina