Genworth Long-Term Care Premium Credit Investigation

Deceptive Trade Practice, Consumer Protection, Insurance

By: Anish Amin

Migliaccio & Rathod LLP is investigating whether Genworth long-term care insurance policyholders received the premium credits and refunds promised under their insurance contracts.

Certain Genworth long-term care insurance certificates provide that premiums paid during qualifying waiver periods will be credited toward future premiums. Some certificates also provide for refunds of unearned premiums under specified circumstances when coverage terminates. These provisions can be particularly important for policyholders who pay premiums automatically while receiving covered long-term care services.

Migliaccio & Rathod is investigating whether Genworth properly applied contractual premium credits and refunds, or whether policyholders were charged amounts that should have been credited or returned under their policies.

Policyholders May Have Experienced:

  • Paying premiums during a period when their policy provided for a premium waiver;
  • Having premiums collected during a waiver period without receiving the required credit;
  • Being charged future premiums without an applicable credit being applied;
  • Terminating coverage without receiving a refund of qualifying unearned premiums;
  • Receiving premium statements that do not reflect contractual credits; or
  • Difficulty obtaining an explanation of how premium credits or refunds were calculated.

Potential Claims May Include:

  • Failure to apply contractual premium credits;
  • Improper withholding of premium refunds;
  • Incorrect administration of premium waiver provisions;
  • Breach of insurance contract; or
  • Violations of applicable insurance laws.

Signs You May Be Affected:

  • You purchased a Genworth long-term care insurance policy or certificate;
  • Your contract includes premium waiver, credit, or refund provisions;
  • You received qualifying covered long-term care services;
  • You paid premiums during a period covered by the waiver provision;
  • You did not receive the required credit or refund under your contract; or
  • You have the policy certificate, premium payment history, and benefit records.

If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.

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