Real-life tales from the home care front in North County San Diego. The names and exact locations have been changed to protect the innocent (and to comply with privacy laws...:).

Saturday, October 4, 2008

An Insurance Agent That Went Above And Beyond

I was really impressed recently when a local insurance agent called me to obtain care for her longtime client. It's been my experience that many agents are not that involved with their clients years after they've sold the policy.

The insurance agent's client was seriously in need of help, and had been paying for a long term care policy for years. For some reason, the client was reluctant to use her long term care benefits. Had the agent not happened to check in on the client, it could have been a grim situation. Instead, we were able to provide care to the client right away, 7 days a week.

Nearly all long term care policies provide not only coverage for assisted living and skilled nursing home services, but also for services provided at home. But no long term care policy is worth anything unless you use it when you need care.

We often assist clients in accessing their long term care benefits and can help with determining coverage, answering questions, and interacting with the insurer.