Genworth Long Term Care Insurance Reviews

My husband and I paid the hefty Genworth LTC premiums for 20 years. After a diagnosis of COPD with emphysema and multiple other debilitating health issues and on the advice of my Genworth agent, I filed a claim in 2023 and began being reimbursed for in-home care services. Then, three weeks ago, Care Scout performed an "audit" and on the basis of their auditor's opinion denied my existing claim. COPD does not get better and my health is definitely significantly worse than when my claim was approved. So improved health was not a basis for discontinuing this active claim. Many statements in the denial letter were without basis. Obviously, the whole point of the audit was to deny benefits.

This company is a scam. Bought it years ago and even after saying last year no increase this year, they are ripping us off with another 12% increase. They are trying to get you to downgrade what you have and pay more for it. This company is total bs. Year after year of double digit increases. I wouldn't buy anything from this company again as they will just continue to screw policy holders.

Don't buy anything from these people. Call them, no one speaks English. Literally holding back a 50,000 dollar policy...These people are insane. One problem after another. This has been insane!! I lost my parents. They were paid.

This company blows, my mother in law is being denied short term partial care, and she's paid in hundreds of thousands over time. She can't remember yesterday, can't shower on her own, drive etc although she will say she can. So the nurse came to evaluate her for 20 mins and denied the claim. Legal counsel is my next call, and Genworth, don't respond with your stock AI response of how much you've paid out like I've seen regurgitated numerous times here. Please feel free to respond with a legitimate response.

Dealing with Genworth over the last 6 months has been an absolute nightmare. I highly recommend NOT PURCHASING long term insurance from this company. They have requested the same set of information from my parent's assisted living provider approximately ten times and the information has been provided to them. On July 31, 2025 I was told they finally had all of the information they required and a check would be received by Aug. 8. Thankfully I recorded the conversation. Yesterday we received a call from Genworth requesting the same information yet again; what they do with the information once received is beyond me. What's changed since 7/31 is beyond me. I requested to speak to a manager and that's not possible.

Worst experience ever. My grandma purchased long term care with Genworth, and she has been in since December 2024, it is now July 2025 and we still have not received any payments even though all paperwork has been submitted and they are waiting on nothing. Payment has been pending for months- months! Do not purchase this....it's a complete scam.

This was hands down the worst investment my family made. My father was paying into this for well over 20 years and took a lot of money if you could imagine after putting into something for over 20+ years. Once my father got sick it was not an easy task to get good information and their communication is the worst. Called to get things started as he was very sick, they said we would have to reach the deductible before anything and to save all receipts for reimbursement. Needless to say well you are going through the worst time of your life you would like they would help, no it made things worse. Please do not waste your time, save your time and money and enjoy it with your loved ones!!

Genworth reached out and was able to help me better. I believe when I called them previously I spoke to l as experienced individuals who maybe did not know how to help me get the info needed, while I do not have a list of providers, I was able to process expedited provider requests to find a few that are eligible. This was the support that I needed. To know I could find eligible providers without having to file a claim or commit has put my mind at ease.

Been paying INCREASED premiums for over 40 years. Husband was placed in MEMORY CARE facility. GW refuses to correct the facility classification from ASSISTED LIVING to Memory Care. As Assisted Living they will only pay 70% of the $12,400 monthly fee. “I” have to pay out-of-pocket for the first 90 days; that’s $37,200. Then I will pay about $3500 a month. He has 24/7 Skilled Nursing for medications. Still they refuse to change the classification. He is 81 and I am 73. We shouldn’t have to be frustrated like this over care we were told we would have in our Golden Years.

Pleased to improve this customer service rating from two stars to four. This is based on the diligence of Daisy, who worked to get me connected to someone who could - and would - take the time to listen, answer my questions, and follow up. Thank you, Daisy and Bailey.

My wife and I have had nothing but excellent experiences with Genworth Long Term Care. We have had our policies about 23 years now. My wife had to use benefits from Genworth and every step of the way we couldn't ask for a better or more caring team of providers. To date we have never been rejected for any claim submitted.

What a racquet!! My dad purchased a long term care policy with the obvious intention it would be available for care when he needed it. It's such a horrible experience and there is zero chance an elderly person would be able to navigate the system without their adult children doing it for them. They don't tell you all the information upfront but drop new conditions as you go along the process. I filed to open a claim in February and here at the first of June they still haven't given us a decision. Not to mention the 100 day waiting period which is not 100 calendar days but 100 service days so almost 9 months before they would begin to pay for care. I think they hope you give up or die before they have to pay a penny of your own money. Run away fast before you ever consider purchasing a long term care policy.

Nothing but denials. My father has been paying for this scam for over 15 years. Clearly he was sold a bill of goods that didn’t represent his interpretation from what he was told. Because my mom has dementia and requires full time care, my father explained his wishes to us in case anything happened to him so we could care for mom. Well that happened Tuesday and he was in the process of trying to use his policy but nothing but denials. According to our attorney (a prominent Minnesota insurance litigator) this is common and they will try not to cover. Expect at least a dozen tries and cross your fingers with this firm because this is their tactic according to these experts. Basically, they made a mistake years ago selling this product with poor underwriting and now they have to make it up by denying claims.

I have had a Genworth LTC policy for 15 years. The premiums are now increasing every year by double digits. I’d love to drop the policy, and would if there was an option to get back at least half of the premium I’ve already paid. The policy was sold to me under false pretenses. Huge mistake!

My husband and I had a joint policy with Genworth Life Insurance CO. We are now divorced and live in separate locations. Both are names are under one Contact Number. Genworth cannot accommodate two separate addresses or split the policy up. First of all, who writes a joint policy? Because we opted out, we still have money in the account that was our payments over 20 years that can be used for us when needed. Genworth will not split these funds. In today's world, this is unbelievable. Do not purchase a joint policy. Do not go with Genworth.

Not a stable company. Keeps raising premiums dramatically I suppose to help cover their mistakes. Would not recommend this company. Have had a policy for over 20 years. Bought it based on General Electric's then reputation. Big mistake on my part..

Our family submitted claims for both of our parents who unfortunately could no longer live at home. Health challenges required they move to assisted living and skilled nursing in order to obtain proper care. Both have sadly passed in the last 5 weeks despite the efforts of outstanding care givers at the respective nursing home facilities. Our forward-thinking parents purchased Long Term Care insurance in 1997 and paid a total of $54K in renewal fees. Even if Genworth were to have paid out both policies in full, the value would be $76K, which is an extremely poor return on investment.

After 12+ years of paying for LTC policy with Genworth, I now know I've been defrauded. After paying $25,000+ to genworth, I am being denied use of policy to reimburse for in home care After 2 back to back surgeries. Customer service has been trained to give nebulous info. A very costly lesson for me, a retired teacher. Do Not do business with genworth. Genworth is not worth it.

My mother in her late 90's bought long term care insurance through GE Capital years ago now part of Genworth. Genworth has done nothing but deny and delay her claim for assisted living benefits. The aggravation for us has been endless. With any luck on Genworth's part, and at her age we will likely end up forfeiting her benefit balance!

I have been paying into Genworth Long Term Care Insurance for 14 years and have received yet another letter saying the premiums were going up significantly. This is not the first time there has been a significant premium increase. I understand that the cost of health care has gone up but what concerns me is that their credit rating by A.M. Best gives them a C++ MARGINAL rating. They state that a C+++ is assigned to insurance companies that have, in their opinion, a marginal ability to meet their ongoing insurance obligations. Are we all on a sinking ship?

My experience was absolutely terrible (as is everyone else's... as most of the other reviews suggest). They continued to charge my mother's bank account for her policy after she passed away, even after having multiple conversations with them. The claims process is completely opaque and barely navigable (seemingly on purpose in the hope that you simply give up) and after paying almost $150,000 in premiums to Genworth over the course of her policy, we fought every step of the way to get reimbursed for less than $4000 in approved benefits. Simply horrible.

I have been paying premiums for years. Suddenly at age 70 I get a "form" letter informing me "... as a result of higher expected claims costs than anticipated when we originally priced your certificate...". I call it a "form" letter since I have received this same letter every year in January three years running. It makes me wonder if this is a standard practice that begins when a policy holder reaches age 70 and Genworth thinks the policy holder is so far into the payments they can't cancel the policy and find another company. Or is it to force people to reduce the value of their policy and thereby save Genworth money? I wonder how many people are receiving this letter.

Every interaction with Genworth has resulted in frustration. After our loved ones have poured thousands of dollars into their premiums, I'm now arguing with them over a $5 claim for a walker purchased at a resale store. Every step of their process "can take up to 30 days" leaving you trying to decide if you should pull the trigger on home care assistance and start draining lifetime savings accounts before knowing if Genworth will approve your claims.

Total scam… Run away. My wife and I just took my senior mother with dementia in caring for her for 7 months. Went to go see my elderly father. Got qualified help and the claim was denied, By an unqualified agent who was rude. Had blue hair, tattoos head to toe and cruel to my aging mother. However, if we use one of their sister companies, it’ll get approved. Total scam.

Maybe when my father bought his policy (parent company was GE, but have since sold) this was a reputable company. It certainly isn't now. My father had to have multiple assessments to prove his level of care even though he was already living in assisted living. After all the hoops of establishing the claim (which took time) it was approved. There was a 50 day elimination period. That passed. There was the need for the invoices to be provided after each month of care (provided). There was a 20 day review period (even though the claim was already approved). I called every week to see where this was in process and reiterated if there was anything required to make payment I must be advised. I was told multiple times, no we have what we need.

The most useless team of customer service representatives I have ever come across in this industry. I just needed to know what the name of the custodian was on my annuity contract... pretty simple right? Not if you work at Genworth it isn't. I was transferred 4 separate times and had to explain why I was calling and give the same contract/personal information 4 SEPARATE times. There was no reaching out to the team I needed to be transferred to and explaining my situation. Instead, I spent another 1-2 minutes reexplaining everything and giving each representative the same information I had given the previous representative. After I did this same song and dance with 4 different people, the rep transferred me for a 5th time and then the call "mysteriously" drops. Had to call back and get transferred another 2-3 times before somebody could tell me WHO THE CUSTODIAN IS ON MY ANNUITY. Unbelievably frustrating process for such a simple solution.

No number of canned replies from Genworth stating how sorry they are and how much they pay out daily can mask the number of complaints from hardworking people who planned right, and paid their premiums. My parents paid premiums for 20+ years on a shared policy, meaning that if one parent died before using their benefits, the benefit would pass on to the surviving spouse should they require long term care. My mother passed unexpectedly and my father was immediately placed in a memory care for facility for both Alzheimer's and Dementia. After 3 month "you pay" period, my dad's benefits kicked in. My brother and I were told repeatedly on the phone that is was a shared policy, and once dad's benefits were exhausted, mom's would kick in. She had more benefits than him.

I cannot thank you enough for the quick response I received from Rhonda **. She was a godsend in this lengthy and navigation challenged process. You have no idea the sense of relief being able to speak with someone who could actually help me. I told Rhonda that each LTC claims agent was wonderful, but they had no authority to help me, and they never suggested I speak to someone above them. It has been 4 months of stress, but today's outcome erases all that pain. You restored my faith in Genworth.

I wanted to leave a review for Genworth short term life. I got this policy in my early 30s and today I was notified via email, in very small print at the bottom, that they will no longer be sending email or paper payment reminders. Just thought Ya'll should know in case you missed it. My prediction is we're going to hear of lawsuits on this. I'm here for it.