LTC Approval for My Mom

If you saw every episode, then you would have known Saul is Irish!.

He was just smart enough to know that everyone is going to call an attorney named Saul Goodman before calling an attorney named James McGill!

I must have missed that one since I am part Irish, that would have stuck with me, lol.

Howard Dershowitz is who I would call! I can't afford him though.
 
The federal law governing long-term care insurance uses the phrase "severe cognitive impairment". That is why the insurers have to use that phrase.

The key is the definition of the phrase. Find the definitions section of the policy to read how "severe cognitive impairment" is defined.

It probably says that "endagingering one's self or other" is an example of "severe cognitive impairment". It sounds like your mom has been endagingering herself or others.

Therefore, she should have no problem qualifying for benefits.

Agree here with Mr Ed - My dad is on claim now and has mild cognitive impairment and we have not had any problems with claims approval. Pay close attention to the definitions.
 
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