My Fathers Allstate Long Term Care contract is denying Assistant Living Coverage. The contracts specifically states nursing home coverage defined as :licensed ( not specified) 24/7 nursing care under supervision of Doctor and Daily records. His facility meets these criteria and I was told many documented times it was fine. Allstate is now denying benefits stating they only cover skilled nursing . That is not in the contract. Anyone else have similar issue? I am considering a Class Action Law Suit!
I haven't eyeballed the policy, and it would cause upset to my mother if I asked to look at it ("You are trying to put me away!"). I do know where it is, though, and could access it for specifics if needed.
LTC covers skilled nursing facilities and memory care.
Angel
They admit to paying benefits to Assisted Living, but just changed their mind this month!