A Long-Term Care Story
Thomas’ Story
At age 76, Thomas lived alone. A few years back, he was diagnosed with lung cancer. He underwent radiation and chemotherapy and after two months of treatment, he was able to resume his normal activities. On a recent visit, his daughter, Sara, noticed her dad seemed tired. He’d lost weight, his balance was unsteady and he seemed to be having trouble eating and swallowing. Sara insisted he see his doctor. Additional testing revealed the cancer had spread. Thomas was given a life expectancy of six months and his doctor recommended home health care services and hospice care.
The Claims Process
Sara called Mutual of Omaha to initiate a claim. A Benefit Claim Specialist explained the provisions of the policy and sent her the claim forms to complete. Once we received the completed forms, HIPAA authorization and Power of Attorney documentation, we requested an Attending Physician Statement (APS) along with a certificate of terminal illness and the most recent office notes. We verified the home health care and hospice agency were licensed and approved the claim.
The Benefit of LTCi
Thomas’s long-term care policy provided benefits to help pay for the care he needed during his final months. He received daily visits from a home health aide who helped with bathing, dressing, feeding and transferring from his bed to a chair. As his health declined, Thomas received round-the-clock hospice care until he passed away at his home with his family by his side. Thanks to his Mutual of Omaha long-term care policy, Thomas received loving end-of-life care, which gave Sara peace of mind knowing her father’s needs were taken care of.
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