Genworth Long Term Care Insurance Reviews

Both of my parents are policyholders and have been since the early 2000s. My father was diagnosed with dementia and year ago. He has subsequently had a traumatic fracture of his leg and hip. He has been in rehab for more than a month, largely due to behavioral disturbances that have led to him taking falls from bed. He has reimbursed himself and this has required him to rehabilitate both the old and new injuries. Yet, GENWORTH LTC Solutions has denied our (his!) claim for assistance at home--as their remote nurse (on a video call!) determined that Dad was cognitively whole and not in need of assistance with activities of daily living (ADLs).

I’ve had an extremely frustrating experience with Genworth Financial while trying to set up a long-term care claim for my father. The process starts with an assessment to determine eligibility—but they won’t conduct that assessment until the insured is out of a rehabilitation facility. We followed their guidance and moved my father into home hospice, where we were told the hospice evaluation would be sufficient to qualify him. He has now been in hospice for over a week, and we still have no determination.

My husband reached his 90-day elimination period on 3/16/26. In the meantime we kept receiving conflicting letters from Genworth each stating a different number of days of service we paid for ourselves. When you call, you never get the same person and no one knows what is going on. I was fed up yesterday and asked for the supervisor to call. Never called. We should have been receiving payments into our bank account after March 16 and here we are into mid April without a dime from Genworth. Do NOT trusts them. Scam and uncaring. Save your money and go with a much more reputable firm. We've spent thousands on premiums over the past 12 years to be treated like gutter trash. Thanks a lot, Genworth!

I have had my policy for 18 years. I believe I “understood“ how it worked. I asked the questions I knew to ask- at the time. Where I feel cheated and ripped off is on hospice care. When we think old and dying we think nursing home then maybe hospice. NO ONE EVER said but think about: what if you go straight to hospice???? So here I am 18 years later straight to hospice with Stage 4 inoperable pancreatic cancer. I’ll never live to see their 180 day elimination period. WTF. I understand you buy insurance hoping to not need it - fire, flood, auto- but your needs when you are dying AND your state doesn’t have a right to die law either🤯. Old sick animals are treated with more dignity. Do not buy this type of Long Term Care. Write your damn policies in plain English and do better explaining ALL the gotcha.

My wife and I bought a Genworth long-term care policy about 20 years ago and paid a monthly premium the entire time. The policy is a shared policy. My estimate of our payments is about $80,000. We were young and both working, so the premium fit our budget. In 2025, my wife's health rapidly declined due to dementia. We hired a home care company and filed a claim with Genworth. The balance of our policy was a little over $500,000. No problem, right? Wrong! I found out that there is a deductible which Genworth calls an "elimination period" of 90 service days for home care and 180 days for institutional care.

Terrible, terrible turnaround time in payment. Our agency was providing the "care plan" needed on a very timely basis; however, their payments were way, way behind what they should be. Then when you call customer service they give you the runaround about "x" amount of business days. My mom (90) has gone without a payment for a whole month which is inexcusable at her age and having to lay out that kind of money. Also, their premiums are getting ridiculously way too high for people to afford them. They sent a letter out saying over a 5 year period the payments would go from 10,000 per year to over $25,000 which is absurd. They need to change their payment process so the elderly can get the money owed to them and definitely lower the premiums. I would not recommend them at all.

I can't say enough good things about our Genworth Long Term Care policy - my wife purchased a "Cadillac Plan" back in the early 1990s for us both and it covered all of her needs after she was diagnosed with early on-set Alzheimer's disease at the age of 51. Once she passed, my monthly premium payments were "waived" and I now have long term care coverage up to $700,000/ $10,000+ per month (being regularly compounded at 5%).

Absolutely the best investment I made since I purchased the policy many years ago. I am very pleased with customer service and if I had to leave a message, their response time was very quick. I applaud Genworth for having a great long term care policy. I am using the policy now that I am infirmed and in my mid 70's. I repeat, best investment I ever made.

I have had an incredibly frustrating experience with Genworth Long Term Care. In my opinion, their practices feel deceptive and discouraging—especially toward elderly policyholders who simply need support. I’ve been trying to get access to a basic sign-in form for days, and every attempt has been met with delays, excuses, and unfulfilled promises. Every customer service representative I’ve spoken with says they will “call back,” but the call never comes. When I asked for a manager’s name or even a case ID number so I could follow up, they refused to provide one. Without any way to track my issue, I’ve been left completely in the dark.

My husband and I purchased our LTH with Genworth over 20 years ago. To date, we are in our mid 60’s and healthy. We received our notice that premiums will increase over the next 3 years from est $4600 to $7500 per year. What are we to do? After reading these nightmares regarding claims I am more than a tad bit discouraged. Most claims are denied due to uncovered diagnosis, patient not homebound or physician not completing paperwork or other reason; however, each of these denied reasons should be easily found in a policy manual. Seems like our manual concentrates more on evasive definitions “claims covered”, “claims made” but not common reasons claims are denied. Beginning a paper trail and phone log with dates and times is essential for each claim and a clear explanation to included the reason for denial. Note dates, times and person you spoke with including the phone number you called.