Community Chat

[tends2dogs]

Do any of you have Long Term Care insurance with Continental Casualty Company - CNA LTC? We have for many, many years. Last year the premiums more than doubled - the first increase ever, but a huge increase. We hate to give it up and to go to another carrier. Our ages would put us over the top in premium rates.

My question, is this happening with most Long Term Care insurance companies today?

Also, do any of you have insurance with Continental and have you tried to make a claim? What was your experience?

TIA

[croemer]

We have long term care as does my mother...not with the company you have mentioned and yes this is a problem. They go a long while with no increase and then...it becomes very expensive....the rates will go up.

[tansy]

Does anyone here remember what company Ford's LTC insurance was with? OP, this is a big reason why we opted not to get this insurance and it does worry me.

[croemer]

On 6/10/2014 tansy said: Does anyone here remember what company Ford's LTC insurance was with? OP, this is a big reason why we opted not to get this insurance and it does worry me.

I worry too. We just put our Mom in an assisted living facility and the hoops we had to jump thru to prove she needed it was mind boggling. She has fell and broken both arms, both hips, her wrist, elbow and collar-bone. Is in a wheel chair but we finally got approval. Once you are approved the payments to the insurance company stops. She has paid more years then I can count...but we are so fortunate she was wise enough to take the insurance out...because it is certainly needed now.

[tends2dogs]

On 6/10/2014 croemer said:

On 6/10/2014 tansy said: Does anyone here remember what company Ford's LTC insurance was with? OP, this is a big reason why we opted not to get this insurance and it does worry me.

I worry too. We just put our Mom in an assisted living facility and the hoops we had to jump thru to prove she needed it was mind boggling. She has fell and broken both arms, both hips, her wrist, elbow and collar-bone. Is in a wheel chair but we finally got approval. Once you are approved the payments to the insurance company stops. She has paid more years then I can count...but we are so fortunate she was wise enough to take the insurance out...because it is certainly needed now.

Croemer, I can't believe the injuries to your poor mother! I can't believe it was difficult to get approval! I am sure they hate to pay out, but give me a break. We took ours out WAY BACK when Suzie Orman first came to QVC. She recommended LTC and this particular company.

I remember her saying that if you do not plan to keep the insurance forever, do not take it out. Our annual premiums are due and I felt the need to ask for experiences from all of you on this forum.

Thank you for responding. Croemer, your mom is in my prayers, bless her heart! BTW, I love your signature (if the "you" is who I think it is, I completely agree!)

[tansy]

My heart goes out to your mother, croemer. She's quite the survivor. How long ago was the fall?

[tansy]

So the siggy is directed at a fellow poster??

[croemer]

It was mainly the assisted living facilities fault...they kept changing hands and losing paperwork. Once we stayed on them it got thru and the insurance company called concerned and got right on it tendstodogs. The assisted living facility kept missing deadlines and not turning in correct info. I finally got a call from the insurance company saying the doctor at the facility was not answering their calls. We got that taken care of!! Once that was done...insurance kicked in right away.

[croemer]

On 6/10/2014 tansy said: My heart goes out to your mother, croemer. She's quite the survivor. How long ago was the fall?

She has very soft bones from osteoporosis tansy.

[croemer]

On 6/10/2014 tansy said: So the siggy is directed at a fellow poster??

If your talking to me...nope.