{"id":205,"date":"2014-02-14T10:00:38","date_gmt":"2014-02-14T16:00:38","guid":{"rendered":"http:\/\/www.chicagonursinghomelawyersblog.com\/?p=205"},"modified":"2019-10-21T05:33:13","modified_gmt":"2019-10-21T10:33:13","slug":"long-term-healthcare-plan-denied-care-assisted-living-facilities","status":"publish","type":"post","link":"https:\/\/www.robertkreisman.com\/nursing-home-lawyer\/long-term-healthcare-plan-denied-care-assisted-living-facilities\/","title":{"rendered":"Long-Term Healthcare Plan Denied for Care in Assisted Living Facilities"},"content":{"rendered":"<p><!-- [if gte mso 9]&gt;--><\/p>\n<p class=\"MsoNormal\">Marie Gardiner purchased a long-term care policy from insurance company giant <a href=\"http:\/\/www.cna.com\/portal\/site\/cna\">CNA<\/a> in 1993.\u00a0 The idea was to have security in knowing that in the event of her need for a nursing home or an assisted living facility to take care of her, she would have this policy in place.\u00a0\u00a0Gardiner\u00a0unfortunately broke her hip in 2008 and moved into <a href=\"http:\/\/www.villageatbucklandcourt.com\/\">The Village at Buckland Court<\/a> (Village).\u00a0\u00a0She\u00a0then filed a claim with CNA, and it was approved.\u00a0 When her health improved, CNA terminated the coverage for the claim in 2011 advising Gardiner that if her \u201ccare needs change or increase in the future,\u201d the company would review her policy.<\/p>\n<p class=\"MsoNormal\">In 2012, Gardiner fell down a flight of stairs and fractured her <a href=\"http:\/\/en.wikipedia.org\/wiki\/Sacrum\">sacrum<\/a>. \u00a0She reapplied for benefits at CNA under the long-term healthcare policy.\u00a0 CNA denied her claim, noting that the Village was \u201cnot a qualified provider.\u201d<\/p>\n<p class=\"MsoNormal\">In the lawsuit Gardiner filed against CNA, she stated that a company representative denied her claim because a nurse was not on the premises at all times and because the Village was a \u201cmanaged residential community,\u201d not a licensed assisted living services agency.<\/p>\n<p class=\"MsoNormal\"> <a href=\"https:\/\/www.robertkreisman.com\/nursing-home-lawyer\/long-term-healthcare-plan-denied-care-assisted-living-facilities\/#more-205\" class=\"more-link\">Continue reading<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Marie Gardiner purchased a long-term care policy from insurance company giant CNA in 1993.\u00a0 The idea was to have security in knowing that in the event of her need for a nursing home or an assisted living facility to take care of her, she would have this policy in place.\u00a0\u00a0Gardiner\u00a0unfortunately broke her hip in 2008 [&hellip;]<\/p>\n","protected":false},"author":795,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[18,17,15],"tags":[],"class_list":["post-205","post","type-post","status-publish","format-standard","hentry","category-assisted-living-facilities","category-long-term-care-facilities","category-nursing-home-residents"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Long-Term Healthcare Plan Denied for Care in Assisted Living Facilities &#8212; 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