Transamerica Long Term Care Insurance Reviews

This company is scam. This company is scam, be careful people they stolen my money, they took advantage of me, in 2023 I was ill, I had ptsd, my blood pressure was always high, most of the time, I was depressed, I found a lady on Facebook who lied to me about all this messy company, first of all, I'm not a Spanish person, and that time she wasn't able to speak English, am African descendant, during the conversation was in Spanish without interpreted even knowing that I wasn't fully understanding, she sold me policy saying that was all so good, I told her that I was sick she said that wasn't any problem and in addition I would of have help because I have chronic disease that is high blood pressure, she was worried about my money, they started ripping me off, and 2024, I ended up in the determination under immigration custody, 1 year detained without being able to stop them from taking my money,

Rude customer service, the agent hang the call up. After I called back the second agent was just as rude. I receive no information on my withdrawal if I don’t call , and when you do they act like we are bothering them. I have been waiting on my payout from January 6th and today it is January 20th. With a lot of runaround and disrespectful behavior from the agents. Would not recommend to anyone. Looking on how to close my account with them.

At my financial advisor's recommendation, my wife and I both bought Long Term Care policies back in 2017. We were both "quizzed" by a TransAmerica employee via phone calls to assess our physical and mental health; I was 60 and my wife was 58. I "passed" even though I missed one of the questions "Without checking a calendar or your cell phone, what is today's date?" And they told my wife they might send a nurse to our home to look her over since she had almost no medical history. They never did, we were both given policies, but after seeing that this company stopped selling LTC policies in 2021, and reading SO MANY negative reviews on Yelp and TrustPilot from people who tried to collect benefits for sick and dying relatives with little success, we decided not to renew this year.

This company scams people out of money the worst. The worst customer service ever. They do nothing but lie and are rude. No one is ever on the same page. They take your money but when time to use your policy they don't let you use. You never get notices or allowed to speak to a manager. Transamerica disability accident insurance. Never would recommend. All they do is take your money and run.. Please no one get involved with Transamerica.

Avoid this LTC insurance provider. I agree with every negative review posted here as I've experienced all their denials of claims, denial of receiving documents despite evidence otherwise, lies of calling providers for documents when provider has repeatedly sent same info to them over and over. They want documents faxed, then changed to email but CS gives different email addresses and no one knows anything. They never return calls as they state, never can talk to a case manager. They just deny and delay. Now, when I try to register for online access I got the run around talking to various people only to find out they have now entered the wrong SS# on my account. Making me send documents of SS # proof. They provide no apologies or explanation. They are the worse company I have ever dealt with.

Don't use this company. You can never cancel or change a policy. Horrible, antiquated systems that require filling out PDF forms and returning them. Then they claim they never received (even if you have a hard copy snail mail document to prove it). There's no single source of truth/documentation, so it's easy for them to sidestep responsibility and cover their incompetence. I canceled a rider in March 2024 and was charged another annual premium in April 2025. Absurd. Having to ask my bank to stop payment simply to cancel the policy because there's truly no way to do it on their website or on the phone. THIS SHOULD BE ILLEGAL.

Sept. 1, 2000, my husband and I, both Teachers in the State of Tennessee, decided to get individual long-term care policies through the National Education Association teachers organization. We purchased two of the unlimited lifetime maximum policies and it changed to Transamerica. Over the years we have never missed a payment, have never used the policies for any care, and have paid the increased premium payments over 25 years. From another insurance company we later purchased a short-term care policy to cover the elimination periods on the long-term care policies.

This company is very difficult to deal with. They constantly say they don’t have paperwork that you have faxed or emailed even when you have proof that they do. I was told my father’s policy had a 10 day elimination period by several different people on the phone and then told that it is 90 days. I based our decision to bring him home from the long term care facility on the information that I was originally given only to find out they won’t pay the in home care for 90 days. They tried to cancel my father’s policy after my mother died. I finally had to get the state insurance department involved to settle that issue. They are deplorable.

My mother is in an assisted living facility. Dealing with this company is a complete utter nightmare. Beware! After eligibility of 90 days, it is a monthly fight to receive payment. I have 10 pages back and front of all the people I have spoken to over the last year. Some were very nice, some very rude. There should be a class action suit filed against this company. They don't want to pay and wait for their clients to die. It is deplorable how they run a business and treat this vulnerable population. Sad state of affairs.

My parents had long-term care coverage. They faithfully paid premiums and received benefits. My father died and a few years later my mother died. I provided Letters Testamentary, a death certificate, and contact information so that a check could be reissued and it was. Good so far. This was early 2020. No one told me there were a few other outstanding checks totaling a significant amount. In 2023 they turned the money over to the State. It was pure chance that I found this money on the unclaimed property website. Now it is all up to me to get this money even though they didn't do their due diligence. Terrible service trying to straighten this out and in the end no help.

My parents have had a long-term care policy with Transamerica for over 27 years. They are now 89 years old; my dad has heart issues, and my mother has fractured vertebrae in her back and is almost blind from glaucoma and macular degeneration. Their policy states that they have coverage for in-home care at a rate of $249 per day. They want to stay home for as long as they can, so we submitted a claim for to pay for someone to come in to clean the house for them. The cost for that is $300 per month. It was denied because they still are cognitively able.

After decades of my father paying premiums for his policy when time came that he need it not only were they not there they ran away. Contacted three different times requesting services only to be told three different times three different ways that they said NO by three different people with a fourth even refusing to talk to me. I was eventually contacted by an agent who admitted they handled it wrong, apologizing. Too little and unfortunately too late. Paid thousands out of pocket. Please save your money and a lot of trouble by staying away from this company.

My sister and I has our mother diagnosed with Alzheimer's over 4 years ago. She passed away on August 29, 2024. Our mother and stepfather purchased a premium long-term health care plan. Not from TransAmerica. But TransAmerica purchased the plan. Over 4 nurses visits and endless emails and phone calls. Finally hired an attorney. Still fighting. We have not received a dime. We want others to reach out to us. We want to hear your story. We want to help each other. THE POWER OF NUMBERS!!! Alone they can control us. Together we can receive what is ours. Reach out me and tell me your story.

I would give this company a -5 score if I could. Every month I have to call for my elderly mother to get her claim paid. And every month it’s a different excuse on reasons why she isn’t getting paid. I truly believe they are in business to steal from the elderly! And every employee of TransAmerica should be ashamed of themselves for Elderly Abuse!!!

I would give Transamerica a zero but that wasn't an option. My mom has been in an assisted living facility for about 18 months and we have fought every month for them to pay out. This week she received a letter that she has been terminated from her benefits and they will no longer pay. Her next review was supposed to be in July. She purchased a lifetime policy and paid for many years. They hold you hostage to obscure rules and requirements that make no sense. They act like it's their personal money and you are lucky to get it. They make you live in fear that it can be pulled away at any second. They prey on fear and use intimidating tactics. This is our elderly and vulnerable population and it is a sad shame that nothing is done to stop a company.

STAY AWAY FROM THIS COMPANY for long term care. They use DELAY tactics including the following, In order to avoid payouts for my 97 yr old dad:

I am not surprised to read all the disappointing comments in regard to claims not being covered by Transamerica. My Mom and Dad paid countless premiums which added up to a lot of money, which didn't come easy for them as they were hard working honest people who farmed to make a living. My Dad was fortunate to live at home until his death. However, my Mom wasn't so lucky. She went into assisted living because of her declining health, every time we would try to get a hold of Transamerica it was one excuse after another. We had an assessment that was denied last June, as her children we tried everything to help her to keep the costs down.

My mother suffers from dementia and I have tried to get approval for her unskilled in home caregiver. We have been denied. TransAmerica is difficult to deal with. They do not have ANY online capability for long term care. We requested her policy 5 times before it was actually sent because I wanted to be sure her policy would cover the care we were setting up. Like others on this forum, my mother has paid her premiums for 20 years, and now that she needs to use it, she is being denied.

One star only because there is no '0' stars. Our next step is to file a complaint with the Kansas Insurance Board. Our parents (86 and 92) paid for LTC insurance with Transamerica for since 2003. My mother and father-in-law needed in home care in 2022. After many hurdles, my mother-in-law was approved, but my father-in-law was not. She passed 2 months later. He was finally approved, but was not able to stay at home due to many health problems. He moved to an assisted living facility in Topeka, Kansas, on September 2023. His policy required a 90-day elimination period before claims could be paid.

I would have given a zero rating if possible. Here is a copy of a complaint I filed with the California Dept of Insurance: "My 94-year-old father has paid for LTC insurance with Transamerica for over 30 years. He moved to an assisted living facility in Westminister, CA, on September 11, 2022. His policy required a 90-day elimination period before claims could be paid. Since December of 2022, we have tried to get his claim approved and paid.