Transamerica Long Term Care InsuranceConsumerAffairs Unaccredited Brand
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My mother paid for Transamerica Long-Term Care insurance for 17 years and has over $100,000 invested in premiums. Her original policy included the premium waiver and no limit on length of time the policy would last. After ridiculous increases in policy costs, at age 93, she consented to reducing the length of time to 5 years of benefits. Three and one-half months before her 94th birthday, she entered assisted living, and was eligible for benefits on March 13, 4 days before the premium was due. All of the paperwork had been filed so she could start collecting as of March 13 (papers faxed to TA on April 1) and not need to pay another year of premiums. I had called and been told by a customer service representative that the claim had been approved and payment would be made the week of April 24. But, that isn’t how TA works! Even though she had claims in process, they demanded that she pay another year’s premium.
I waited the 65 days grace period instead of paying the premium. If TA had paid the claim within 15 days as the policy stated, that premium would not have been due. Then, I got a call saying that her policy had been cancelled due to non-payment of the premium. So I overnighted 1 year of premium to keep the policy from being cancelled. The check was quickly cashed, but the benefits which were now 3 months in arrears did not show up. Finally, 140 days after she was eligible for benefits, she received a payment. And it took a total of 232 days for TA to refund the premium that should not have been due, and that is after I spent hours and hours and faxed many more documents to get them to refund it. And remember, the policy says they will pay within 15 days of "Written Proof of Loss" which had been previously provided.
Now she is in the nursing home on hospice. She has collected benefits for 12 months and we are waiting on payment for the previous month… 30 days after the bill was faxed. I would be happy to cancel this policy if they would refund the payments she has made over the years. She, as well as many others, sacrificed to pay the premiums on this policy, and she needs the benefits paid on a regular basis in order to keep her bills paid. If you have a TA policy, you need to have a lot of money in reserve to pay the bills while you are waiting for TA to decide if and when they will pay. TA makes life miserable and stressful. Their customer service is rotten. If you call, it is nothing to be on hold for 2 hours or more. The customer service personnel do not know what is going on and do not know the benefits of the policy. There is no one customer service person you can speak to who is familiar with your policy.
I know that other companies assign a "care coordinator" to each policy holder so there is some continuity. (My mother's policy says they will provide a "care coordinator", but that is another thing that TA doesn't do.) My neighbor’s parent’s policy also paid for diapers and dietary supplements by just providing the receipts for those items. TA won’t pay for any of that unless the facility buys it and bills for it, and many facilities will not do that. I agree with others who have reviewed TA here. DON’T BUY TransAmerica LONG-TERM-CARE INSURANCE! There have to be companies that are better. I believe that there should be a class-action suit against TA. They do their best to not pay any benefits, and like others have said, if the policy-holder does not have someone who is willing to spend a lot of time and jump through a lot of hoops, TA will not pay at all. It is an intentional plan to NOT PAY.
After paying into this company for 20 years, we noticed the last three months premiums due, were not deducted from our bank account. With all the bad ink I read on ConsumerAffairs regarding this company, I'm very concerned. What's happening with our long term care insurance? Having trouble contacting them. Does anyone know anything?
Updated on 05/21/2018: This is a follow-up to my earlier message today. I called Transamerica today and got a real person, a gentlemen named Gerrod. He related that, while the premium increase cost (which we had agreed to) is being put into effect, the monthly payments were not required. Hence the reason they did not withdraw the payments from our bank the last two months! When would this be? He "didn't know"! Hum!
My husband and I are 63 years old, and recently applied for Long Term Care Insurance through Transamerica. He was approved. I was denied due to "osteoarthritis and physical therapy." As a healthcare provider I am stunned. I dare say that anyone our age will show some degree of OA/degenerative joint space narrowing on any imagining study. In addition, I frequently refer patients to PT for conditions which will ultimately strengthen joints and muscles, ultimately hoping they wouldn't develop problems down the road requiring long term care. Once again I am saddened by big industry/insurance denying services unless someone is totally fit and healthy, decreasing the likelihood of them needing to pay claims. I have no doubt why these companies get wealthy while denying coverage for totally lame reasons unfounded by any scientific credibility and research. Find your insurance elsewhere.
I have had a long-term care insurance policy for 16 years with Transamerica. Fortunately, I have not had to used it. I expected they would periodically raise my premiums and I have had an average of 15% annual increases over the past 16 years. As I am about to turn 70, they are increasing my premiums so it will be difficult to keep the policy. By 2020, my premium will be 90% higher than today. I feel like this has been a bait and switch. I have been paying premiums for 16 years and just when I may need it, they price it so I have to let it go. The only options they have given me is to either drop the policy or decrease the benefits.
So all these years I have been counting on this policy to take care of me and now it won't be there. Sounds like a scam to me! I called the company and found out the only way to get this information to them is either by phone or a letter. They have no way to email the company so unless I send a certified letter, I have no record of what I sent to them. In this day and age, not having a way to electronically contact the company seems suspicious. The customer service person was horrible and I had to talk to 4 different people only to end up with someone that could only reduce my benefits. This is not customer service.
Transamerica Long Term Care Insurance review. This company is a scam on elderly. My mother has paid over $30,000. We began a claim for time spent in a care center back in September. It is now February, and they're still sending us paperwork. In reality, she will not be able to get decent coverage, because, even if she's receiving some benefits for current care needs, she still has to pay the premiums each month. Read the fine print. The claimant has to pay monthly premiums until they've been in an actual nursing home for 6 months! Most people don't live more than 6 months once they're in a home! Now, I can't get them to cancel her policy. I'm being ignored, and they're sending her bills for three month's coverage. Terrible.
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When my dad first started invoking his long term care insurance back in 2010 to pay for Assisted Living, it took months of calling, faxing, mailing documents to finally get monthly reimbursements. They FINALLY started to pay. He was out of Assisted Living for two years and went back in Oct 2017 and here we go again with faxing, calling, speaking with rude customer service reps trying to get reimbursed. Used to think this company was inept, but after reading the history, in that it was started as a pyramid scheme, I realize it’s purposely trying not to play claims. I’m surprised the Insurance Commision, hasn’t shut them down, seized their assets and refunded peoples money! Hang in there - keep fighting; keep records - they’re hoping you give up! My dad is 93 and he has $130,000 left on his LTC. I hope he lives long enough to get back every dime!
After reading these reviews I am scared to death that my claim that was filed in August 2017 will be denied. I have been calling every week since October for updates and now calling every other day. I get the same answer, under review, should know in 7-10 days. That's been the answer since early December. Requested callbacks from supervisor and told that it could take up to 72 hours for a callback. Premiums for this policy have been paid since 1994. Received notice that premiums were increasing and offered to lower the benefits in lieu of paying the higher premium. Really?
My mother purchased a policy from this company 20 years ago. She really couldn't afford it but did without many things in her life just to pay for this policy. She said she just didn't ever want to be a burden on her family if she were to become ill. She paid in over $80,000.00. She fell and broke her hip 7 months ago and had to go live at a rehab center for almost 3 months. When she was released she then found out she had stomach cancer, she lasted for 3 months and died a horrible death. This company has denied every single claim we have filed. All that money she paid has been for not.
This is such a crime, how is this even possible in the United States of America. Is this how you treat the elderly? I personally am so ashamed of how this country treats these wonderful people and their family. This company is just unbelievable. I can only hope that the CEO's of this company go to that special place. If my mom hadn't already died. This would have surely killed her. I wouldn't recommend this insurance on my worst enemy. So disappointed that this could ever happened to any elderly citizen!
My mother purchased a policy from this company 20 years ago she really couldn't afford it but did without many things in her life just to pay for this policy. She said she just didn't ever want to be a burden on her family if she were to become ill. She paid in over $80,000.00. She fell and broke her hip 7 months ago and had to go live at a rehab center for almost 3 months. When she was released she then found out she had stomach cancer, she lasted for 3 months and died a horrible death. This company has denied every single claim we have filed. All that money she paid has been for not. This is such a crime, how is this even possible in the United States of America. Is this how you treat the elderly? I personally am so ashamed of how this country treats these wonderful people and there family. This company is just unbelievable. I can only hope that the CEO's of this company go to that special place. If my mom hadn't already died. This would have surely killed her. I wouldn't recomended this insurance on my worst enemy. So dissapointed that this could ever happened to any elderly citizen!
My 92 year old mother in law has been paying for this long term care policy for over 30 years and now she has made a claim due to Alzheimer’s & cognitive disability. She would not have been able to even make a claim without family help; so just think about how many elderly never make a claim! It took us almost 4 months, paying elevated monthly premiums, with an independent agent's help to get anywhere. Doctor, home health company and son mailed & faxed the required documents at least 5x while Transamerica kept denying receipt.
Their agent's interview & evaluation said she needed full home health care. Transamerica lied, delayed, gave us different answers every contact & denied our claim. We finally got $200/mo for home care, but now learned we still have to pay $500 premiums. Just imagine how they will treat a claim for Full Care when she needs an assisted living or nursing home. Never have I experienced and witnessed such greed and deceit from a company. Buyer beware of this Insurance Company in ALL forms. We will report them to the Texas Board of Insurance.
My mother and stepfather are having the same exact issues that all of you are having about trying to get claims reimbursed for money that our parents are paying out of their small saving because they thought they had Long Term Care but are having so much trouble getting their claims paid. We have been trying to work with Transamerica for 1 year now to get my mom reimbursed for all the money she has had to pay out to an assisted living facility for my stepfather. They say they never received the paperwork, or they received the paperwork but it was filled out wrong, or your request is being processed, or you should receive your check in about a week. The latest is now, "We believe the assisted living faculty you have your husband in is really a nursing home and those do not qualify!". It is not and they now have told my mother she would have to open a dispute case to challenge them and it is going to take about 3 months!
These people at Transamerica should be put in prison. My parents have never missed a payment for their two policies and it states that if they ever did their policies would be canceled! We should all get together and start a class action lawsuit. My Name is David ** and my email is **. I have filed an online report to Ken Paxton's office the attorney general for TX. https://www.texasattorneygeneral.gov/contact-form/. Transamerica is financially taking advantage of the elderly. My mother has been calling my brother and I crying from frustration and stress because she doesn't know what to do. It really is criminal! Something needs to be done.
I have been paying for a long term care policy 17 years. Several years ago Transamerica bought the company I had. Little did I know about Transamerica... nor could I do anything about it. Now after17 years and I am now 71 years old, they have increased my premium 90%... doubling my monthly cost... and obviously doubling my yearly. I will be paying more for just myself than people I know who are my age & have had their policies the same amount of time or less... & in some instances more than 2 people combined. I took the policy out in California—but do not live there. Transamerica claims that I am bound by California laws & that The California Dept of Insurance actually approved a 90% increase! And guess what... they did. How outrageous is that too. After reading all these reviews... Now I am doubly scared if and when I need it, they will not be there for me. It’s unbelievable that an insurance company can get away with this.
If I could give this company less stars, I would. If I could give them a negative 1000, I would. They are the worst company that I've ever had to deal with. My Mother purchased long term care insurance in 1992. She has paid on this continually over all these years, (over $35,000!) and now when she is living in an assisted living facility, they are denying her claim for the second time. She has met all their criteria, her doctor agreed that she can't live on her own. They sent out a "nurse" to evaluate her and give her a "test" to determine her mental state. She can't drive, can't fix her own meals, can't manage her finances at all, can't remember to take her medication, can't remember the date or day of the week, can't remember who the president of the United States is or even which county she lives in.
This is just the tip of the iceberg. Even proving all this, they still say she doesn't qualify. We are now getting an attorney involved, contacting the Insurance Commissioner and I'm going to make sure I review this company in every place that I can to warn others not to be fooled into getting this insurance. They are crooks that steal money from the elderly that are just trying to keep their loved ones from having to pay for them as they get older. DO NOT GET THIS INSURANCE FROM THIS COMPANY - TRANSAMERICA!!!
Customer service is terrible. No one has an answer or explanation on the claim that was filed in September. Two and a half months later, they denied the claim and we have been trying to resolve the issue ever since. They are SLOW to take ANY action regarding the appeal and dragging this out. Meanwhile, my father's care costs $7200 a month and we have stressed the financial urgency of getting the claim approved. We have jumped through hoops to provide every piece of documentation (stacks of paperwork!) for them, as requested, and I have had to call every week to stay on them. Hoping we don't have to get the insurance commissioner involved, but from the other reviews, I don't have much hope.
Over 14 months trying to get them to pay for long-term care insurance that our family has paid for over 20 years, denied twice. Hired an attorney, denied again, filed complaint with state and filed a lawsuit.
They just want your money! I was enrolled with payroll deductions for Long Term Care Insurance until I retired. I chose to continue my plan by paying, out of my meager pension, a year's premium to avoid the increased cost of breaking up payments. I soon received notice that only HALF of my $1400 payment would be applied to this year, to cover back payments from over 18 months, (that's right, a year and a half) ago, they claim my employer never paid. Now they want an additional $750 or they will cancel my coverage, and keep the $1400 I already sent them. Thieves!
My mother is 97 years old. Been paying for her LTC for 47 years. We should of taken that premium and put into a trust than using this LTC insurance company. I've called 4 times to get address change and never changed - now I've been on hold for 29 minutes and still waiting. Every time I called to find out information for the claim payments, I was always told something else. Today I called and now my mom has to pay out of pocket for 180 days and then they'll start paying. The claims person was rude. Called me rude - I wanted him to listen to me and he would just interrupt and no desire to listen to me. I would suggest to anyone looking for LTC to NOT sign up with Transamerica Insurance Company. GO to Mutual of Omaha or anyone else except these people.
We started my dad's claim in Dec 2016. Now April we still don't have a check. Not only is the wait time for each call unacceptable (over an hour) every time there is one more piece of paper they need. It takes over 3 weeks for them to process every piece of paper they get. They are doing everything possible to delay the payment. In the meantime they still are taking their premiums every month while my folks are paying the outlandish assisted living fees. They have been making premiums for many years and this is their first claim. I assume TRANSAMERICA is trying to delaying in hopes they die and then they can deny the claim. These delay tactics are inexcusable and cruel to elderly consumers. They are thrilled to take the money and promise to be there for you but hmmm where are they now?
My Parents have paid expensive premiums for 20 yrs and always paid the lump sum full amount of premium on time every year. Now, when my dad needs the policy reimbursement for a licensed, state approved Assisted Living facility, they make it impossible to get a reimbursement payment. We have completed ALL the requirements, approvals, interviews and observed their instructions (per their written letters) to date.
We paid the first 90 days out of pocket, when in all reality ends up to be 120 days (because you pay in advance and then get reimbursed 30 days later), due to their constant and neglectful documentation in letters that have little bearing on any timeline agreed to in the policy. They say their customer service department does not talk to the claims department or the billing (payment) department. The customer service people are friendly but seem to be ill trained as every time we speak to them we get a different story.
We have NEVER seen an organization so inept and blatantly ignorant to a senior citizen's needs. My father had a brain tumor, If he didn't have a family working on this issue for hours and hours a week he would never get his claim processed. They say they process their claims in 10-15 business days (as stated in their written documentation) processing time is actually 30 days. We have had only one and a half months of claims that have been reimbursed. We are still waiting for 2 months of payments.
I can only assume that their inefficiency in processing their claim and their incompetence in losing faxes and asking for forms multiple time is by plan to frustrate and delay payments. Not to mention, there is never a resolution for the amount of time one waits to get a resolution, payment, or valid reasoning to the delay. When you call you receive a message that they are experiencing heavy call volume and "your call is important to us" then you stay on hold for up to 2 hours. So your call isn't really that important to them! Once we did get a message after being on hold for an hour that they would call us back. They did but then you still wait on hold for another 15 minutes.
I could not imagine any senior citizen trying to deal with this company. I find it to be highly disrespectful, EXTREMELY poor business ethics and downright criminal to their policyholders and family trying to help. I would NEVER recommend Transamerica to anyone, EVER, for ANY insurance policy. Shame on you, Transamerica!
My mom bought a policy 30 years ago. It gave her comfort that she'd be taken care of in her old age. At 88, with advanced scoliosis, failure to thrive, periods of confusion and several falls they are denying her claim. They say she doesn't meet criteria of needing care and they don't want to reimburse me the close to $9000.00 I've paid out of pocket as they stall or to pay for future care even though we've never missed a payment and are currently still paying premiums. They have stalled for 3 month, constantly insisting they are not getting the 68 pages of faxed documentation sent countless times by fax attention different contacts on documented dates as had the facility. I've then followed with a phone call to verify they got it. I have to wait several days each time before they can report they didn't get it.
I finally overnighted it, certified mail from the facility and separately on the advice of council. And they were finally forced to admit they got it. They are understaffed so each of the calls trying to verify they got it required me to be on hold for 45 minutes to 6 hours. Each time I've moved mom to another facility we've had similar issues. My guess is they get out of countless claims by making it virtually impossible to collect. And making the appeals so difficult folks give up. If you are seeking a company to make your old age more comfortable and has your best interest at heart, I'd steer clear of this company because the legal council I've spoken with say they have a reputation for doing so repeatedly defrauding seniors out of what is rightly theirs.
My mother paid every increasing LTC insurance premiums for ~15 years. Now at age 93 she just now entered into assisted living. Transamerica considers assisted living to be community care for which she is entitled to only 50% of the benefit that they would pay for total nursing care. Also, the rental portion is excluded. Okay, I understand all that... However, she is required to continue to pay 100% of the quarterly premiums. I would have thought the premium would have been reduced to cover insurance for nursing care since her claim was approved. Instead, at the same time that her claim was approved, she received notice that her premiums are going up: "This is the first of (three or four) rate increases that will be applied to your policy over the next (three or four) years." At the beginning of year three, her premiums will be 175% of her current premium. Unbelievable!
I called to set up a reassessment for my husband (policy #**). I waited for about 10 minutes and then was given a message that they would call me back. I left my # (They said wait time would be approximately 45 minutes). They called back in about 35 minutes but then was given a message (hold for the next available person or call back at a later time. Why would I have to call back at a later time). After about 7 minutes I spoke to William and he said he would transfer me to the correct department. I asked how long I would have to wait. He told me "just seconds".
I proceeded to wait about another 10 minutes when a Steve came on the line and attempted to assist me. I doubt he knew what he was doing. I asked him how long he had been with the company. He didn't answer and after several minutes he figured out what he needed to do. I AGAIN asked him how long he had been with TransAmerica. Rather than answer he said "A little while". I said, "Does that mean 1 day or what". He finally said about a year (which I doubt) as he had to read the policy to figure out what was covered or what was not. He was very inept and I should have asked to speak to someone else who might know what they were doing.
I could hear a woman in the background helping someone and she seemed to know what she was doing. We have paid premiums for many, many years and when I call I get the run-around. I think someone should check on the customer service employees and have an extensive training program. I was on the phone for over a hour just to set up a simple appointment. The last time my husband had been assessed the appointment was set within minutes because I spoke to a person qualified to help.
I purchased this long term policy several years ago. My first and only claim was for a home monitor system after my doctor made the suggestion because of a stroke and living alone. The claim was filed in December 2016. It's now almost March. They found every excuse in the world to avoid paying. A copy of my receipt was not enough. They wanted a copy of my payment receipt. A prescription from my doctor was still not enough. They required a nurse to make a home visit. Still when I called after waiting on the phone for over 2 hours. I spoke to a very polite customer service representative. Finally they approved the claim and will send a letter. They will eventually sent a check. What a disappointment this company is They will try not to pay any way they can.
I broke my foot and ankle on December 20th. I had to miss work and filed a claim to Transamerica. They repeatedly denied that they received all the required faxes and gave me the run around. After threatening to file a complaint with the state insurance commissioner they sent my payment and admitted receiving the faxes 4 times. Now it's time for my second payment and around we go again! They claim a fax from my doctor was never received. I checked with the doctor's office and it was faxed. They treat me like an idiot when I call and I have had enough! I am going to file a complain with their state's insurance commissioner tomorrow. Please do not do business with this company!
My parents purchased a long term health insurance policy back in 1994. It subsequently got bought out by Transamerica. The benefits were supposed to include Home Health Care, Assisted Living, and Nursing Home. We moved both parents into an assisted living in September 2016. The Assisted Living Care Center bills the family and then we are to turn the bills into Transamerica to be reimbursed for. The first 3 bills came back as "Elimination Period not reached". When I called to ask TA about it they said there is a 90 day elimination period that is not covered - I cannot locate this in the policy. Now that the 90 day period is up they are still declining to pay for the bills stating they do not pay "rent, TV or phone", the majority of these bills are for rent, around $2000 - rent includes all the 24/7 hour care, med set up, med passes, food and meal preparation, help bathing, dressing, reminders. This part of the bill is getting declined.
They just keep stringing us along saying we have not sent in the right forms (which I have done 3 times now) or something else needs to be re-signed and dated. Their customer service is absolutely terrible, a 30 minute wait to talk to anyone and if they transfer you then another 30 to 45 minute wait to talk to the next person. Very frustrating. They say they are eligible for $98.00 a day for assisted living (and have been accepted, along with the Assisted Living Place) and around $200.00 a day for nursing home. We are taking all information to an attorney hoping to get some kind of response from TA. We are interested in filing a class action lawsuit against this company. It sounds like there are a lot of people out there that are having the same problem.
Transamerica had no problem taking money for $1500 month for 24 months for long term insurance. Now it's time for me to get the payment it becomes an issue. They find anything not to pay. I'm just sick of it. I've taken the papers to the doctor and when they receive it they send me the same papers again but keep adding and looking for ** just so they do not have to pay! Never ever again. Bills have to be paid and they withhold your money. No stars in my book. Just awful.
The payments from Sally's policy were being paid when the amount claimed was for a small amount. When I was providing about 90% of the care the policy paid for a sitter 12 hours a week, split among 3 days. I had my own health crisis and was in ER and ICU for several days, then transferred to standard hospital bed. During that episode Sally had 3 caregivers for round the clock care. I have just received notice that Transamerica will not pay 60% of the claim because the care received exceeds the amount of care approved. In reading the other reviews on this site I am struck by the division between good and bad reviews. The good reviews reference treatment during the purchase phase of doing business with the insurance company. The bad reviews are from people trying collect benefits due them from their policy. I wonder how well the company will fare in a jury trial over their denial of benefits practices.
Easy to contact and professional agents. Very willing to clearly explain benefits and answer questions for me. Also very good at helping me file the proper paperwork to start benefits administration. If and when I am disabled, they will pay 60 percent of my annual base salary for a period of one month up to 40 years until I die or live to social security. My insurance coverage is good for any and all accidental injuries that keep me from being able to perform my job. I must be off work for 30 days before my benefits begin. My monthly premiums are pretty low and are easily worth the protection that is afforded my family and myself. Additionally, the side benefits from the policy are a bonus to anything provided by other vendors.
These people are horrific. They have been paid tens of thousands in premiums over the years and now refuse to pay anything. They ask for the same paperwork over and over again. They try to confuse the issue by lying about what the policy covers. Frankly it reminds me of the Grisham book, Rainmaker. I suspect this is all policy within the company. That is primarily the elderly grieving spouse that has to deal with this, makes the company predators and low lives. Do not buy any policy from this company.
DO NOT SIGN UP WITH THIS COMPANY!!! My husband got injured and had to be on light duty for 4 months. I submitted all the paperwork after he had surgery and they kept telling me my husband's injury was not covered. EVERYTIME I called, I got a different story on what was covered. They have been stalling like crazy and I have called customer service OVER 20 times!!! So far we have received $50 here, $50 there. They still owe us over $2,000. They are a joke!
Have been trying since late May to get a LTC claim established for my 92 year old father who is living in a skilled nursing care center. They sent a retired nurse to visit him, get signatures and complete forms only to send the same things in the mail for him to do again. It took two letters and a phone call to get his mailing address changed. We did have issues with the nursing home faxing his monthly statements to the Medical records fax number instead of the claims number. Obviously those two departments don't talk to each other. After getting confirmation via a form letter that the monthly statements were received he still hasn't received any money. I don't understand why I have to keep calling to try and get something to happen to no avail. I can't believe this company is on a list of top 11 companies. There must only be 11 selling long term care insurance. My next call is to the state insurance department.
Transamerica expert review by Matthew Brodsky
Transamerica offers a range of services that go well beyond insurance products. The company is a leading financial services company and offers everything from investment advice to insurance.
Nationwide services: Transamerica writes policies in every U.S. state.
Long-term care is a family discussion: They understand the need for family involvement in end-of-life care decisions and engage all members in the decision-making process.
Cost calculator: Before deciding on any insurance product, it's important to learn about cost vs. savings, which Transamerica provides using their cost of care and life expectancy calculators.
Learning center: Transamerica offers a learning center on its website to provide consumers with resources about insurance and the other services they offer.
All-in-one health insurer: In addition to their long-term care insurance products, Transamerica also offers a variety of life insurance products, Medicare solutions, accidental death insurance and even final expense coverage.
Best for: Parents, retirees and the elderly.
Transamerica Long Term Care Insurance Company Information
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