West Palm Beach woman tries to save her insurance company money, but it backfires

Making the most of long term care insurance

WEST PALM BEACH, Fla. - One brush stroke at a time, Marion Schwartz is slowly regaining her strength.

"I was dying basically," said Schwartz. 

Schwartz was in the hospital and rehab for a month with a torn bowel and infection after a routine colonoscopy.

She was allowed to go home but needed an aide.

"I was told it could take 5 to 6 months to heal this wound. I couldn't move. I couldn't bend. It was horrendous," said Schwartz.   

Schwartz filed a claim with her long-term care policy, but the checks never arrived.

"It's being investigated. It's being looked into," said Schwartz of the excuses she said she heard.

Kanawha Insurance Company, which is a subsidiary of Humana, denied the claim because Schwartz didn't use the aide long enough to qualify as "long term care."

"I recovered quicker than they thought.  I want to be independent. I don't want to be old and decrepit. I don't want to take advantage of the system," said Schwartz. 

Caregivers of America, who helped Schwartz recover, even wrote a letter trying to get the nearly $3,000 claim paid.

Nothing worked so Schwartz called the Consumer Watchdog.

"I think you truly have the public's interest at heart," said Schwartz. 

Within days of our calls, the bills were paid.

"Relieved. Relieved.  I want to close the book on this," said Schwartz.

Now she can get back to painting.

Humana wouldn't comment on this because of privacy issues, but said it's glad it could address and resolve its members' claim.

Long-term care policies can be technical, so take careful notes and document everything.

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