Genworth denied my mother's long-term care insurance claim, insisting she was "independent in activities of daily living" six weeks after a dementia diagnosis that left her unable to manage medications, cook safely, or bathe without supervision. Forced full benefit approval ($4,800/month, $57,600 paid to date) using the ADL and cognitive impairment certification framework: physician certification, standardized cognitive testing, daily care logs, and the policy's own benefit trigger language. the complete 7-month playbook.
writing this for the adult children who are going to type "long term care insurance claim denied" into a search bar at 1am the way i did last november, because the information i needed existed nowhere...