My mother purchased a long-term care policy and contributed more than $60,000 in premiums over several years. Once she was released from the hospital for various issues, she opened a claim for in-home care.
The agency was nice enough to begin care for us but after a few weeks they had to stop service as Genworth denied the claim. Her benefits were not allocated and she had to pay out of pocket. What's the point of having LTC insurance if you cannot use it? Unreal!
I will never recommend their services to anyone. We are in the process of switching her to a different provider