Genworth Long Term Care Insurance

My parents are 97 and 98 years old. They paid Genworth long term care insurance premiums since their early 70s, expecting they would be able to cover long term care needs if they ever needed to. Sadly, they were mistaken. My parents began using long term care in 2022, and Genworth has been exceedingly disappointing. Genworth makes people work very hard to get a claim approved, with tons of paperwork, phone calls, video assessments, and submission of care plans and other documents, all of which is very time-consuming. Once a claim is approved, Genworth does everything it can to avoid paying benefits. We blithely expected that my parents would get their policies' monthly maximum benefit, because their long term care costs exceed the maximum. But that is not how it has worked out. In 2022, my parents paid over $150K for long term care and Genworth only reimbursed about $30K.

My parents paid into Genworth for over 20 years. My Dad is now in a long term care facility and they are denying paying for the service saying he doesn't need it or qualify for it. Every time you call you get someone that is offshore and does not speak clear English. I am now told again, even after the facility submitted documentation, that he does not need the care. This is all in an attempt to not pay. This is ridiculous. They should be sued again and again until they get this right. People have a right to get the benefits that they have paid for. I am told that I have to wait for a call back from a manager. Just plain wrong. Do NOT use this company at all for anything.

This company is absolutely horrible. My parents paid on this LTC policy for DECADES and when we finally tried to use it to get in home care for my mom who had advanced dementia they said they no longer did that even though the brochure they were given and coverage they signed up for clearly states they do. They simply told us it had changed. I had to send them my power of attorney TWICE that I was authorized to act on their behalf and they still continued to give me a hard time about it every time I called them. Every time I called them to take care of something there would always be an issue. When we finally had to put my mom in a memory care center she was there for 6 weeks before she passed and we had to pay the ENTIRE AMOUNT ourselves and fight with them for SEVEN MONTHS before getting reimbursed.

The company is horrible at reimbursement. We've been working with them for reimbursement for 10 months with very little payment. When we call in they give us just enough information to get off the phone but not enough to get us through the process.

We have had Genworth LTC insurance for about 15 years. In the past two years they have raised our rates three times. What a sham of a company to raise rates on retired people who bought policies in their 40's and 50's and now that we are in our 60's raise rates in an effort to get us to take a policy with DRAMATICALLY lesser benefits. Horrible company. Horrible customer care and concern.

Twice in the last 6 years Genworth has written us saying they could no longer afford to offer us the long-term coverage that we signed up for 13 years ago. Each time they offer options to dramatically reduce the services covered, increase our monthly payment by 20-40%, or cancel the policy. This week we received the third such letter. Our policy will increase from $578/month to $809/month unless we reduce services again dramatically, or they will cancel. What kind of policy is this? I can't believe we were this stupid to not read the fine print when they signed us up, or that a company can have the guts and temerity to keep doing this. I have to believe many others have had to cancel after years of paying into this. If anyone has any suggestions, please send them to **. I am so angry I am spitting nails.

My wife and I started LTC policies with Genworth for more than 15 years ago. Since that time, we have seen repeated rate increases and/or reductions in benefits. The latest occurred in January 2023, when we were sent a letter describing options to change the policies. We selected an option that included reduced benefits and mailed our selection back to the company the third week in January.

Genworth Long Term Care Insurance based out of Richmond Virginia. My grandmother is 96yrs old and had recent hospital stays over the past few months. With that being said on 10/17 I called Genworth to get information on her policy, called back on 10/19 her health was declining. Spoke with Mary and she went over her policy, told me independent caretakers would be covered, she did not need to go through an agency. Filed a claim on 11/22 s/w with Terrada after her 9-day admission to another hospital stay. At that time I was told again the independent caregivers is a covered benefit under her policy, she even asked for their names. We had to pay out of pocket for her home care for 20 days before they will pay, the claim should be processed 30-45 days. I submitted all the requested paperwork on 12/5 to Genworth.

Talk about a company that was paid premiums for 26 years then tried to scam my 80 yr old mother into taking the premium back instead of honoring a future claim!!! It gets worse... At every turn they don't want to pay and push back constantly.... They owe my mother who meets the criteria and have paid reluctantly and with harassment though at every turn. Plus the call center is offshore so good luck resolving anything... They will say, "Don't worry. We have it taken care of. " Then 3 weeks we get another letter requesting the same exact items. Someone please start class action!!!! Oh and if considering their insurance? RUN AWAY.

Genworth tried every tactic to refuse to pay their (small) share of my sister's nursing care while in hospice. They try to overwhelm, confuse, and exhaust you so you give up on your claim. Stories of this are all over the internet. They lie and say they did not receive paperwork that was sent numerous times! They make you call repeatedly and try to talk you in circles. They do this to families who are in states of extreme stress/grief. This is a terrible company with no conscience.