Kanawaha Long Term Care Policy in Review

[cdean]

We purchased long term care policies 9 years ago. 1 year
ago the automatic premiums paid from our checking account
stopped with no explanation. I contacted Kanawaha and was told the policies were still active but were in review by upper management. I have called repeatedly and written letters
requesting an explanation as to why they are in review and
also for something in writing stating the policies are still in
good standing, to no avail. The last letter I sent certified
along with a check for 1 months premium stating we are
trying to pay in good faith. They have not processed the
check. Is the company banking on us not being able to
pay the past premiums when the review is completed so that
they can cancel the policies? Any suggestions as to our
next step would be appreciated.

 

[b61mack]

Get on the phone with the DOI. (dept of insurance).They are over seen by them. Don't panic. They will straighten out. Of course document everything you do... names,dates,copies.

 

[NCAgent]

To add with that, save all of the months of premium in a bank account that is easily accessible once this is done. You don't want them to send a bill for the past premiums and then you spent it and cannot pay it back.

You would be amazed in P&C how often people think that if they don't get a bill then nothing is due. Have the money ready just in case.

 

[Senior Benefit]

I agree that you should make contact with your State Insurance Department. Also, Kanawha sold off most if not all of their insurance business to Humana a few years back.