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LTC claim for Huntington's Disease patient

Posted by Jim on April 11, 2002 at 11:14:20:

We purchased LTC ins. for my wife before her diagnosis of Huntington's Disease. When she could no longer function in the home, she moved to and Assited Living Center. I recently filed a claim and John Hancock denied it, saying she did not satisfy the ADL rules or cognitive requirements. HD is a unique condition. There are published HD ADL rules but I don't know if they have been used as a basis for a claim. I will appeal their denial but it looks like they need to be open to a different scale. Any thoughts?

Follow Ups:

Re: LTC claim for Huntington's Disease patient Nathan Stec 12:29:12 04/12/02 (2)
- Re: LTC claim for Huntington's Disease patient Nathan Stec 12:36:06 04/12/02 (1)
  - Re: LTC claim for Huntington's Disease patient Jim 10:57:33 04/15/02 (0)

Re: LTC claim for Huntington's Disease patient : We purchased LTC ins. for my wife before her diagnosis of Huntington's Disease. When she could no longer function in the home, she moved to and Assited Living Center. I recently filed a claim and John Hancock denied it, saying she did not satisfy the ADL rules or cognitive requirements. HD is a unique condition. There are published HD ADL rules but I don't know if they have been used as a basis for a claim. I will appeal their denial but it looks like they need to be open to a different scale. Any thoughts?

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