When the Long-Term Care Insurer Refuses to Pay

My dad was a smart guy, but not so smart as to avoid being hoodwinked by those who drafted the contract for my mom’s long-term care insurance policy.

When my father died in 2013, he went to his grave imagining that my mother, then an Alzheimer’s patient, would get the policy’s promised home care that he would no longer be able to deliver. He’d paid its premiums for about 20 years.