My dad was a smart guy, but not so smart as to avoid being hoodwinked by those who drafted the contract for my mom’s long-term care insurance policy.

When my father died in 2013, he went to his grave imagining that my mother, then an Alzheimer’s patient, would get the policy’s promised home care that he would no longer be able to deliver. He’d paid its premiums for about 20 years.

I put in a claim with mom’s long-term-care insurer (a major player in the business), expecting approval reimbursing us in short order for the caretaker’s work.

Much to my shock, the claim was rejected.

My appeal fell on deaf ears.

Worse, there was an infuriating pattern of delay hearing back. The insurer’s preferred mode of communication was snail mail. And, I noticed, its letters arrived weeks after they’d been postmarked. The insurer also repeatedly requested I re-submit documents.

Read more in Next Avenue.