Transamerica Long Term Care Insurance

I am experiencing the same as many have said before me. They don't want to pay! There is always a "hitch", and their communication is HORRIBLE. You never get the same representative. Answers from most are contradictory. Mailings from TA are received weeks out from date of letter. When I asked for something to be faxed to my home care provider, they agreed but said "a fax can take up to five days to send". Things like this are commonplace. MY BEST RESOURCE IN GETTING PAYMENT (among other assistance needed) has been filing a complaint to my State Insurance Commissioner via their website. This has been a tremendous help in receiving payments.

As ALL the others have written, these people DO NOT WANT TO RESPOND OR PAY BACK ANY BENEFITS without you spending your entire existence working on it. Classic Example: Received letter stating they needed 6 actions to be completed on our end. Letter dated March 31st, HOWEVER, the postage mark is April 7th. They sat on it for a week before mailing and the letter states we need these actions completed by April 14th or "we will close your request". I received this piece on mail April 14th. Several calls to their "Care Coordination" team in the past 2 months, left messages, no response. YES, I AM IN ON A CLASS ACTION SUIT!!!

My father has a TA long term care policy he paid into for over 20 years. It is a constant battle when calling TA. Longest hold times. Always has an excuse why payment hasn’t been issued. Contradicting answers from customer service once you get through. I would never, ever do business with TA. Today I filed second complaint to CA Dept of Ins..

Due to continued falling we put our mom into LTC. After 3 years someone from TA called my mom and discontinued her LTC coverage. No nurse, no evaluation. After 4 more falls I re-submitted a claim in September 2022. it has been 5 months since the in-house evaluation visit. I have faxed all required docs twice. Made about 8-10 calls, hours and hours on the phone, talking to employees working from home who are unable to process anything.

TransAmerica does not pay out for long term assisted living. Read the reviews and talk to people that are receiving payments from TransAmerica for assisted living costs – if you can find anyone who is actually getting paid. Before spending tens of thousands of dollars, thinking the money you paid into Long Term Care Insurance will ease the high cost of assisted living expenses, do your research. Don’t put yourself in my mom's position. She paid her premiums, year after year, thinking when she can’t live by herself anymore, she could go into assisted living and use the money she paid into the policy to help support her care during her last years with us. My mom is 96 and paid $67,000 into her long term care policy.

My 90 & 92 year old parents have been paying top premiums to Transamerica Long Term Health Care insurance for around 40 years. When they purchased this policy they assured us that they would be completely covered when they needed it. We are now being put through the ringing spending all of our time trying to jump through their ridiculous loops to procure payment.

Any supplemental insurance policy that you have with TransAmerica is junk. I had three policies and when I was really really sick, they came up with every excuse under the sun to not cover me. All three policies are junk.

I know it's been said by other reviewers but this company is truly dreadful. They clearly do not want to pay benefits to elderly and sick patients. It's a joke how bad they are. You will spend hours on hold on the phone on hold trying to collect from them. When a patient has to go to the hospital from a long term care facility, they will drop the benefits and you have to start all over again. No way to contact them other than by phone and they like it that way of course. They want you to give up. I don't understand how they can have so many stars - must be people who work there who were paid to rate them. Waste of money!

My mother had purchased a policy of Long Term Care Coverage thru Transamerica many years ago. She is now a resident of skilled nursing facility. They require monthly submission of invoices at the 1st of the month following services rendered. Their reps advise me their service standards provide them 10 Business days to review each submission, then 10 more Business days to issue a payment. Pathetic. They also refuse to conduct any business electronically. All submissions must be made via fax or US Mail. Their "service" appears intentionally designed to hold funds as long as possible to delay the payment of claims. Checks are received 28-30 days after submission. As of August 16th, I am still awaiting reimbursement of her June 2022 invoice which was submitted on July 1st.

My mom purchased her policy 27 years ago from Bankers Life and Transamerica acquired it years later. Transamerica has, unfortunately, not embraced technology and still only relies on phone calls, fax, and letters to communicate to policyholders and the authorized representatives. Faxes don't always work due to "volume", letters to the policyholder & POA are intentionally vague, and you will wait on hold for hours at a time only to be disconnected IF you reach a live representative. I have made over 20+ phones calls (waited on hold and most not returned), wrote letters, only to arrive at a conclusion that could have been reached over 10 months ago. I would NEVER recommend this company.