“They tightened their belts,” said Alan Kassan, a senior partner with the California law firm Kantor & Kantor, which represents clients challenging denials.
“Then they tightened their claim administration and started denying claims more and more.”In 2022, the proportion of traditional long-term care claim denials varied, from 4.5 percent in Rhode Island to 9.6 percent in Alaska, according to the National Association of Insurance Commissioners.
By 2017, she was hobbled by osteoporosis and was struggling to manage her multiple medications, according to her daughter, Ann Kempski.
But when the family tried to file a claim, they discovered that Penn Treaty was insolvent and the policy had been taken over by the Pennsylvania state insurance guaranty fund.
Her doctor told Penn that she had “mild dementia” and osteoporosis and should be in an assisted-living facility.
Persons:
”, Alan Kassan, Kantor, Kantor & Kantor, Alice Kempski, Ann Kempski, Penn, Kempski
Organizations:
Kantor &, National Association of Insurance, Penn Treaty, American Network
Locations:
California, Rhode Island, Alaska, Wilmington, Del, Penn, Pennsylvania