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Thursday, February 5, 2015
CNA Financial Corporation Denies Elderly Long-term Care Insurance Claims
CNA Financial Corporation Denies Elderly Long-term Care Insurance Claims
Leslie Watkins, Intern
The Cochran Firm
Long-term care insurance policies purchased by the elderly
who depend on the benefits of these policies to offset the costs of assisted
living expenses and other healthcare related costs received denied claims from
CNA Financial Corporation (CNA) and its subsidiary Continental Casualty
Company. Benefits of the long-term care insurance policies help the elderly pay
for personal care and lighten the burden of expensive health care costs when
they can no longer safely take care of their own personal needs. CNA denied the
coverage of long-term care benefits of the elderly causing two major pending
class action lawsuits in the states of California and Connecticut.
Elderly affected by
denied claims of CNA long-term care policies
In Connecticut, a 91-year-old woman Marie L. Gardner, a
policyholder of CNA, living in an assisted living facility, was denied benefits
from her long term care policy – the same policy she has been paying premiums on
for over 15 years. Gardner filed the claim after she fractured her hip.
CNA is now facing a class action lawsuit with Gardner and
other policyholders living in assisted living facilities in Connecticut after the
company denied the monthly benefits of the policyholders. Allegedly, CNA
claimed benefits covered only assisted living facilities with a nurse on the
premises 24 hours a day. Gardner submitted a claim a few years prior where she
was able to receive benefits while at the same assisted living facility. CNA
denied Gardner’s claim once her condition improved slightly.
William Crawford, a former sailor in the U.S. Navy, did not
receive his benefits covered in CNA’s long-term care policy along with others
and filed a class lawsuit against CNA in California. As most people do when
experiencing a loved one’s health decline with limited means of paying for
personal care, Crawford purchased a long-term care policy with CNA to assist
with the financial burden of paying for his personal care in later years.
Crawford submitted claims, denied by CNA, to supplement the cost for his
personal care while recovering from hip surgery and physical therapy. Even
after extensive paperwork submitted by his care providers and medical doctor from
May 2012 to December 2012 providing proof of Crawford’s need for assistant care
and being legally blind, the claims remained denied by CNA. Due to the delay of
benefits from CNA, Crawford absent any other assets to pay for his personal care
reduced the hours of care he needed to meet his daily living expenses.
What can I do to prevent denied claims for long-term care insurance?
To prevent being a victim of denied benefits from a
long-term care insurance policy, always work with a knowledgeable advisor you
trust who is willing to answer all of your questions and provide the
information needed to make the best decision for your financial situation. Even
before you choose to purchase a long-term care policy, it is best to consult
with an attorney to secure the needed coverage and to consider the costs of
paying an insurance premium. An attorney
can help you understand your new or existing policy with your best interests in
mind to provide the knowledge needed to prevent claim denials that often stem
from over looking the fine print of long-term care insurance policies.
The article is based on the pending class action lawsuits of
Gardner v. CNA Financial Corporation and Crawford v. Continental Casualty
Company as of 01/19/15.
For more information on denied claims of CNA, Click the link
below: http://www.kare11.com/story/news/investigations/2014/11/03/war-hero-insurance-battle-kare-11-investigates/18421215/
posted by The Cochran Firm at 1:00 PM
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