I am wondering have anyone else gone through this. On yesterday we had an assessment done by a RN contracted out through our Long Term Care Insurance. She came for 2 1/2 hours interviewing me first....then to my husband with the questions...wanted to see just what he could or could not do....Ask to inspect the house even in areas we don't go in since his illness. Made a lot of reccomendations of changes to the home...etc Has anyone been thru this I thought once he was approved he wouldn't have to go through all the grueling. Everytime my husband couldnt answer certain questions like his address...phone number...counting backwards...subtracting..his mother's maiden name etc. She began to keep asking over and over again trying to get him to correctly answer. She even asked me can't I get him backed to reality...I just looked at her like "WHat?" she thought I should bring in Hospice...wanted to know did I know how long he had to live....I really thought alot of the questions were inappropiate...and she kept saying sorry for being so blunt.
angelb, we did not go through an RN evaluation - they had collected all the medical records when I called advising that we would need to begin the 90 day waiting period. However, we may not have gone through the RN eval because the company was investigating us for a fraudulent application (no truth to that allegation) so they wouldn't have to pay the benefit. I would read your contract to see what it says about the home/patient eval. I would also call the company and ask to speak with a supervisor and ask why someone did an evaulation and that he/she was insensitive.
We had an in home evaluation when we first started the elimination process. My complaint was simply that the woman was so inadequately prepared for the interview. I couldn't believe how poorly she did..it was as though she was reading questions for the first time. She stumbled, misspoke, skipped round...she was really dreadful. I commented on it when contacted by the other LTC person who checks in every few months...reaction? Who knows.My husband is on hospice now, and the social worker has been in contact with our LTC insurance to find out some information I didn't understand. She knows the questions to ask and has been a HUGE help .
No we have been receiving benefits for 8months now his initial assessment was last Oct 2009 then the 90 day waiting period and started with benefits as of Feb this year. When she said I should call hospice....what really determines when you should call hospice anyway..... husband is severely impaired..quoted in writing by neurophsychologist..but is still continent and when I prepare meals he feeds himself he is not in a wheelchair and still speaks..
We also had an assessment done by a RN contracted through our LTC Ins. It took 2.5 to 3 hr. and she was well prepared and very kind and considerate towards my wife. She did ask me questions when my wife couldn’t answer (almost every question). The RN also inspected our house and made recommendations for changes that would help my wife. The whole process was really a lot more difficult for me to go through than my wife and of course my wife forgot about it soon after the RN left. We took out LTC policies 13 years ago with life time coverage after a 90 day period where I had to have a least one hour of care per day to count towards the (they called it an elimination period). I also thought the premiums were very reasonable and never increased until this year (for everyone and unrelated to our claim). Also, all future premiums are waived once the insured is placed in a care facility.
When we had in home help but not through LTC, an RN did come to our parents home to see how things were laid out for a safety issue. Everything we had already done was just what they would have suggested. The interesting thing is the house they had was originally built by a woman archetecht and she planned for her later years with wider doors to bedrooms, all on one floor and so forth..then she died of cancer before getting to use the facilities she planned for her later years...
Lots of things they said which we had done were things like taking up rugs that could cause a fall, or if you have certain plants you might want to find them new homes, or if the plants have little rocks around them for decoration remove them so the LO does not put them in the mouth, etc and all meds under lock and key so they can't play with them, many things we have already done to keep the LO out of trouble. They might suggest a ramp for a wheel chair later on..that sort of helpful thing.
The RN also did an intake on mom to see what her condition was, to review meds etc..it seemed normal to us.