Transamerica Review

My 90 year old aunt has Alzheimer's and moved into assisted living six months ago, and I started the long term care claims process with Transamerica five months ago.

They have a very effective and dishonest strategy for not paying what they promised: ask for a document, receive it then ask for another, receive it then ask for another, without end. They never call back, never reply to correspondence, never admit that you've already answered their questions.

The intended effect of all this delay is clearly to get the claimant to give up, or better yet wait until the insured is dead. This is a straight-up scam. I have field a complaint with my state insurance department, maybe that will help.

Updated on 10/23/2023: As a follow-up to my July 2023 review, I have called this terrible company at least three times a month since July and I STILL have not received payment. The reps are nice but have no power. They keep saying everything looks like the payment should go out, and they send a request to expedite. But you can't talk to the people making the payment or a supervisor. What kind of terrible customer service policy is that? It has now been seven months since they said the payment would be made. They are clearly waiting for my mother to die. Just disgusting.

Original Review: Save yourself major stress by avoiding this company. They are either incompetent or avoid payment at all costs. They told my mother her claim was approved on April 14, but needed more information. That is one of their tactics.

You give them what they ask for then they say, well, we need more. They finally approved payment in mid-June and paid the nursing home instead, even though we had clearly advised them to send the money direct deposit. It was up to me to get the check and send it back.

It has now been 18 days since they received the check and still won't give me a straight answer. Reissuing an approved check should be a no-brainer.

When I called today, the rep said, "You want the money sent to the nursing home, right?" Their reps are nice enough but have no authority and it is impossible to speak to anyone with power. I was on hold for over an hour waiting for a manager, then the rep told me she'd keep trying and call me back.

Obviously, she never responded. Extremely frustrating after you pay premiums for years. Our family, in the meantime is out almost $40,000. We aren't rich, so that money is desperately needed. AVOID TRANSAMERICA LIKE THE PLAGUE!

My elderly mother bought her LTC policy in 1998, and filed her first claim for benefits in October 2002. TA sent a Registered Nurse out to assess her in Dec 2002 at her home. The nurse found she could not perform hardly any of activities of daily living.

Mom then moved to assisted living level 2 care facility. TA denied her claim for benefits in Feb 2023 after misrepresenting the RN assessment indicating Mom was able to perform all ADLs. We appealed denial and now June and still no decision.

They are impossible to communicate with. That is their way of denying, delaying, and not paying any benefits to claimants.

Yes, it is time to file charges for mail and wire fraud due to their receiving premiums but not providing any benefits. Is there any question this behavior is intentional? The US Attorney in Iowa has been contacted about this elder abuse and consumer fraud.

I am so disgusted reading these reviews because it is definitely a pattern where TransAmerica (TA) is trying to fraud the elderly out of deserved money. My mom paid her premium yearly for 20 years as my dad had passed away and she thought this was important, even though she never wanted to go to a home.

She was diagnosed with Lewy Body dementia, and she lived with me as she was failing to thrive in her house. In November 2022, TA sent a nurse who agreed with diagnosis. We moved her into an APPROVED assisted living facility in Jan 2023, when we started to pay the 90 day elimination period.

I just paid her 6 month out of pocket and it's been "under review (10 business days)" since April 4 2023. I have called them twice a week since April 4/18. Usually on hold for up to an hour. The gals who answer the phone are nice but they aren't the people we need to talk to.

I filed a complaint with the BBB but that went nowhere as they just scream HIPAA. I have advised them I will be hiring an attorney to get all $35000 of my mom's money back. If I was an attorney I would be putting together a class action lawsuit.

My mom will most likely have to move out of the AL facility and back in with me which will be detrimental to her health, which is what they want - they want people to die so they don't have to pay. TransAmerica is basically a terrorist organization.

Horrible, horrible, horrible. I am 92, and all the previous complaints pertain to me. On hold for an hour or more, they do not pay submissions, change requirements all the time, try to confuse you, send out people to see if you are still breathing..they take forever to pay if at all, and try to confuse, confuse confuse.

I have sent my Dr’s prescriptions for care and equipment to them and they say they do not honor prescriptions. What? Whose word do they take? I know their game…for sure…wait it out and old people die. If ever there was a reason to hold on, this is it.

They may have underestimated this old person. I haven’t run large medical offices for nothing. I am after them. Someone has to organize against this major medical insurance fraud. I will begin tomorrow. Let this site be a gathering forum for restitution.

My mother who has been paying thousands of dollars into premiums for Long term healthcare insurance for 25 years moved into a personal care facility for dementia. It is unsafe for her to live at home alone.

She has been evaluated and gone through all of the steps needed to qualify for coverage. Her move in date was November 2022 and now we are near the end of April and She has not been paid at all by Transamerica.

I call on her behalf several times a week always with 2 hour waits, was told many times to resubmit paperwork already sent, then to be told to wait 20 days for them to review the paperwork already sent in numerous times, have been told everything is in and the payment will go in her bank account numerous times...no payment.

I call back, someone else tells me she is waiting for approval for eligibility. They tell me I am not allowed to directly talk to the eligibility people but that they are required to get back to me. They never do so I do the whole process again.

I am currently looking at finding an attorney to help me sort through this. She will go through her savings too quickly to stay in the one she is in if they don't pay for this. I consider this not holding up their end of the contract.

Haven't been reimbursed since January, I've called every week. Get told something different every time, checks in mail - not, you'll receive a call back from manager 48 hours - never received a call back, case expedited - nothing happens, no correspondence as to what's happening.

Was on hold 30 min then got disconnected - rep did not call back. No one cares at Transamerica. We paid for this insurance and they are not paying. Looks like a class action lawsuit needs to be filed.

Where in the world are you getting the data to make this a review of Transamerica? Seeing this makes me laugh out loud. Customer service has been abysmal. I have asked repeatedly for a care manager to call me back or a supervisor and no one ever calls.

My mother fell in June and was in a skilled nursing facility for several months. It was impossible to get full details on what information they needed. After she was discharged home, we set up home health aide to assist with her profound disabilities.

I called and asked them how I should select a home health care provider, how would I know if they would be approved, etc. They provided no information and basically said that her policy would cover anyone we choose.

Well, when she met completed her eligibility period and we tried to make a claim, they demanded paperwork on this independent home health care aide and it has been 3 months now without any confirmation or payment.

Thank god my parents have me to keep calling and assisting with all the paperwork. How do our elders who pay into this for 20 plus years manage this once they need it and are no longer possess the capabilities to manage an onerous claims process. This is frankly elder abuse.

I am reporting them to BBB and to the MN State Department of Commerce and Insurance. If I do not see movement on my parent's claim in the next month, I will be consulting with attorneys as well.

I have read on several class action lawsuits against Transamerica for this kind of crap. How are the authors of this article able to promote this company when a simple search of the web yields multiple complaints and lawsuits?

Horrible service, 45 minutes on phone yesterday. No one picked up. This morning on hold 20 mins on landline. Called on cell phone. On hold there as well. WHO CAN WE CALL TO ENFORCE some service on this company. This is unacceptable.

Filed a claim with this shame of an insurance agency back in January and have still not received payment (it is now April). They constantly lose paperwork even when I send it via fax, email and U.S. mail.

Placed on hold an average of 1 hour every time I call and I NEVER get the same person on the line. You can tell their remote workers have absolutely no power to do anything other than look up the policy online and tell you what paperwork they are missing, even though you've sent it to them numerous times.

They have no online presence. My mother's assisted living facility says they have never dealt with such a shady company. This is criminal and there needs to be a class action lawsuit filed against them.

When my mother began paying on her policy in 1996 she thought she was doing something beneficial. The way they are treating policyholders is negligent behavior.

Claims are taking 2 months to be reimbursed and if I send in a claim even one day earlier than the month following the claim period, TransAmerica rejects it and sends it back. Yet, they can take 20+ business days to process a claim? Still waiting for February claim and it’s now April.

How does a person depending on SS and LTC insurance to pay for nursing care each month avoid late fees when TransAmerica now takes 4 times as long to process claims?

I consider this elder abuse. And in order to even be approved for claims, I had to hire an attorney and then they immediately approved my status. Again, what elderly person is able to put up a fight? Phone calls to Transamerica are not answered but put on hold for minimum hour wait or more.

Unless you want to purchase a policy. Then, someone immediately answers the call. But claims? They delay and do everything possible to avoid paying them. It’s a continual fight.

The most inefficient claims processing I have ever seen. Had to file a complaint with my state and still no action from Transamerica. Next I am calling a lawyer. Save your money and do not buy a policy with this company.

Someone that paid premiums for long time, company fighting not to give them benefits after ended up in long term care, another friend had to call state attorney general to settle their reimbursement.

Consumer affairs has them ok because the have resources to pay claims ( joke cause they try to not reimburse you when you need them, but they are like taking your money! These aren’t isolated cases! Legal frauds.

Notified company on January 6 of my ex wife filing a claim. It's now March 28 and still no approval of a caregiver. Spent HOURS on hold just trying to talk to a human. My ex died on March 26. Still no claim form. This company sucks and anyone that buys their garbage is out of their mind.

Much like the other reviews, I too have had similar frustrations. It's amazing to me that this insurance policy was sold to them many years ago, when they were young and able to handle. I can't imagine what would have happened if I or my siblings were not available to handle the dealing with this carrier for them.

With each Customer service representative you speak with, the days for turnaround differ, it seems to be tracked by the date the material is received. It can be anywhere from 15 business days to 20 business days or 30 business days.

Even when Transamerica fails to send timely notification to the premium department after a claim has been approved and finally paid, the 'review' of the premium waiver endorsement takes upwards of 2+months....

Had we not paid, surely they would have cancelled the policy but now because notice was delayed from claims to premium, it is our loss and still the calendar days tick away... When ask to speak with a supervisor, no one is ever available.

When told they will escalate and I will hear back in 24 - 48 hours, NO CALL received. When call again, another representative can not see that there was an escalation made... hmm, funny, even when I provide names of individuals spoken to. I could go on and on...

There are not enough words to describe how inefficient, slow, and totally frustrating dealing with this company is. I have been on the phone with them, often holding for 20 to 40 minutes for customer service or claims, almost daily for 6 months.

My 91 yr old mother paid into this policy since the 90s and it has been almost impossible to receive payment from them. This is almost April and I cannot get them to pay for December despite confirmations on 5 faxes of required paper work.

When questioned they repeatedly say they haven’t received a bill. When I win the lottery the first order of business is to hire an elder law attorney but I fear my sanity won’t hold that long.

There were never any calls returned to me as promised, no e-mail responses, no contact return calls. I could go on but won’t. In summary, they are the worst and deserve lower than a bad rating.

It appears I am not alone in my struggles with this very incompetent company. It is 100% evident that the left-hand does not know what the right hand is doing. I have been dealing with them since 11/2022. My father was very ill and we knew his time was close.

I was advised by "customer service" to pay the premium for the upcoming quarter "just to make sure nothing goes wrong with the policy and it accidentally gets canceled. You'll get a refund right away if he passes before the next quarter's premium is due."

So I paid that on 11/3/22 and my father passed on 11/9/22. According to his policy (a joint policy covering both my dad and mom), as soon as one of the owners passes away all premiums are considered paid in full for the remainder of the co-owners life.

Since he passed before the following term even started, a refund should have been initiated right away.

It is now March - more than 4 months after he passed and I have called 10 times so far (have been put on hold for sometimes up to an hour) requesting the premium refund (and I have kept very detailed notes) every time I am told they are "still researching" and to call back in 5-10 business days.

Now, just today in the mail I received a late notice for my mom's premium due "or the policy will be canceled effective 2/2/23" - what??? There are no premiums due! It's even stated right on this page in the recap of the benefits of using Transamerica. I'm at my wit's end.

Additionally, after speaking to "customer service" since November about my parent's policy (they have the Certificate of Trust stating that I am the trustee, the POA for my mother, the death certificate, and two letters from doctors that my mother has dementia), at the end of Feb, all of the sudden they don't have ANY of this information and told me I don't have the right to speak about my parent's policy - and they were very belligerent about it - so I had to resubmit all of the information and wait for another 5 to 10 business days for them to "research" it.

I too will be filing a formal complaint with the association of insurance commissioners in the state where the policy was purchased.

Just like most reviewers we are having the same problems. They ask for a doctor's letter stating hours per day needed. Sent it twice in last six months. They still have not responded beyond saying they would look into it.

Will be contacting the State insurance administration for help. At 80 it is difficult to have to deal with this along with my wife's condition. Maybe a class action lawsuit would help.

There is not enough room on this forum to outline the absolute failure of this company to provide ANY information or assistance. The worst. I will be giving my detailed review of this company though a lawyer and the media. I see they are no longer taking new clients for long term care as of March 31, 2022. Thank Goodness.

Do not use this company. Their premiums go up every year. When it comes time for you to enter a assisted living, they will not pay your policy. They tell you more information is needed. Then they tell you the eligibility specialist have to decide on it. It just keeps looping around. It is very frustrating to not get any answers.

Both of my parents have been paying into Transamerica LTHC for many, many years. They were so pleased that we would not need to care for them in their older years because they purchased this policy.

My mother has started the process for collecting on this policy for my Dad, but has giving up due to the difficult process. We have now joined forced to navigate the process to open a claim for my father who is 92 and needs full time care.

We have spent many hours in hold only to re-explain our situation and ask for help proceeding with the processes. Different people give you different answers to the same question. Some have emailed forms while most say they don’t mail.

All have requested we FAX forms which is most difficult for us. All other financial transactions we are involved in do a document-sign, forms and banking online. It is clear that the policy collecting rules are set up to make it impossible to collect.

The time cards are confusing to caregivers, elderly, and all the family. They are set up to be rejected. We have contacted to CA State insurance commission and we are next going to a private elder law attorney which will ultimately insure the insurance company pays due funds, penalties and legal costs.

We are hopeful it doesn’t come to this. It has been over 120 days when my mother tried to begin this process and 90 days since we have begun this tedious experience. It is clearly insurance fraud and elder abuse. It is so exhausting you want to give up. Nice job TransAmerica!

Where to begin with this sham of a company?! No words!!! Since a hospital discharge at the end of March 2022 my Dad has needed total care. He has a terminal illness certification from hospice.

My sister and I have jumped in to help, staying a week at a time to help Dad and our ailing mom too. They are ages 87 and 88. We each leave jobs and families, travelling from 2 hours away. We have been actively working on this claim through TA, ever since Dad's hospital discharge.

Hours and hours on the phone. Everything from "missing" paperwork to added at last minute documents requested, everything TA does is designed to make you throw up your hands and quit! Elderly people could NEVER navigate this sham!

After paying premiums for two policies for 19 years each, my needy parents won't see any help (or even a determination) unless a law suit intervenes! I am certain!! I have NEVER IN ALL MY ADULT LIFE GONE THROUGH THE HELL OF A TRAP THAT TRANSAMERICA HAS SET FOR POOR, HONEST, PREMIUM-PAYING AMERICANS!!!

This sham insurance area needs a 60 Minutes or AARP investigation!!!! Don't buy their product!! It is air....Let's copy these reviews and send them to Transamerica's Board of Directors! I am motivated!

As with many of the reviews, I have had the same experiences as they have. We have been waiting for 3 months to get approval for payments. This is after the elimination period. I spend hours on the phone every week and constantly getting the run around.

I would never recommend Transamerica to anyone, and I hope their day will come when the government investigates them for fraud.

READ THE POLICY front and back and understand it, they are designed NOT to be used. I have been trying to help a gentleman use his policy for personal care/errands a few days a week. He has been paying a high premium for years and has never tried to use it until now.

After being on hold close to an hour several times we were able to talk with a live person. The 90 day elimination period includes only service days, not the days in between, So if he only needs help 2 days a week, he will be waiting 45 weeks to be eligible for reimbursement moving forward.

Beyond that, the company has a $108 daily limit which would cover an average of 3 hours of home health aide type service a day, which is fine except the documentation the want to reimburse the claim will make it where the services need to be provided as certified with nurse and MD involved which is going to cost a heck of a lot more. These policies are junk, please read them well.

This company has terrible customer service. You can never talk to anyone and if you do get someone they tell you it is the wrong department and they give me the phone number I just called to call. I am on hold forever 40 mins, 50 mins and when I ask for a call back I never get a call back.

I was locked out of my checking acct. because I was scammed and since then I have been trying to get in touch with them to make my payment and change my bank but I never get in touch with anyone that can help me. I don't know what to do.

Very poor response. Been paying premium for years. Now is needed and just like a jerk insurance company does not want to pay. Cannot get a hold of people to talk to about what is needed. Called told will phone back and never do just shows how much they care about clients just sent the premium.

Please. This is what the person needs now and no the health is not going to get better. It might be nice if they took care of people who have been with them a long time.

I enjoy getting letters saying this or that is included and it is not, still waiting for the two additions the letter said were included. Not a trustworthy company to deal with. No help in getting answers to questions.

Just like a insurance co does not want to pay. Ask for a contact person or department name number and cannot get it. Get different answers from whoever you get in call center round about one saying submit things for the claim.

Ask what do you what me to submit. Response was, "What you think will help your claim." Not much help for me when trying to work through this. Another one saying, "Look at your policy and make sure all the requirements are met."

Letters saying denied saying included with letter is a list of approved places still waiting on list. Same letter said sign and return this form in the return addressed envelope. Still waiting on that shows how much they want to help or care about clients. Very poor.

Terrible Experience! Applied for LTC Policy back in June and received an approval confirmation at the end of September. Am still waiting to receive my Policy despite being pre-charged for it in October and am quickly approaching the Washington State deadline to apply for an exemption.

I tried connecting through their Service Department but they are useless and basically told me I can cancel if I want as they can't rush.

This company is horrible. Run away and never use them. In addition to the horrible application process that took nearly nine months with poor/confusing infrequent status updates. When I finally got coverage they screwed up the data entry on my bank routing number.

I received multiple USPS mailed notifications about this. I could never get through on their support phone line. After replaying via USPS mail including a voided check I still got another notification. Given there was no web presence to check on this, I had to go through their phone support.

Don't believe their 4-5min wait estimate. It was consistently more than 25minutes. In this go around it took 9 calls to finally get through.

The first 8 after around 20-30 minute waits resulted in their agent actively picking up the phone to immediately hang it up (I could hear them doing this)...presumably to fake their call metrics.

When I finally got through the agent was useless. She could tell me that they received my account information, but not confirm if the actual account numbers were correct, not why it hadn't processed a payment(over 30 days since receipt), not when it would process a payment, or help try to process the payment with me on the phone...just hope that some day it may go through.

I began a claim process for my father at the end of August 2021. He could no longer transfer himself and had to have 24/7 care. He’s in a wonderful facility that gives him that 24/7 care but it’s not on TransAmerica’s approved list.

Although we could have been told that at the initiation of our claim they waited until my father was in the facility for almost 3 months before they let us know that the facility would not be approved.

Only then did they “kindly” inform us that they could send us a list of approved facilities so that we could move him and restart the claim process. I see it as a Machiavellian delay tactic. I would never personally buy a product from this company.

Really bad experience. Applied in May 2021, it is October now and I haven't heard back. The deadline for having a policy in WA state is Nov 1st, and still they don't send any update.

Their customer support is terrible - they just tell you to send them an email (which I did and never heard back). I would definitely go for a different insurance.

I put an application in Feb. of 2021. They had me fill out questionnaires and take some tests. I have not heard back from them since. It is now Oct. 2021. I feel I have a right to know whether or not they are going to give me coverage. Their customer service is very poor.

My Mom and Dad had Transamerica long term care insurance, which they paid on for many years. My Dad passed away in 2000 and my Mom is now 94 years old.

My Mom had a stroke in January of this year (2021) and by April we decided that she needed more care than we could give her at home. So in April we put her in a Nursing Home and filed a claim with Transamerica.

It is now September and haven't received a dime on her claim. Hope springs eternal, so we will see what happens ??

I’m POA of my mom's estate and I called TA to talk about setting up care for my mom who has dementia. We had to move her out of her home and she no longer can drive. I’ve been taking care of her but called to see about getting help a couple days a week!

I got so many different answers from several people that I said screw it! I have been doing research on TA and there have been several class action lawsuits against them as recent as this year!

I’m going to try again with them and if they give me the runaround, I will file a complaint with the Consumer Protection Division with the Attorney Generals office in Washington State! I don’t put up with crap like this! Especially since she’s been paying for over 30 years!

My husband paid to that insurance for 20 years. Now he has severe dementia but we cannot make this insurance to pay back even one penny. First, it is very difficult now to get in touch with them. Very long wait on a phone.

Now they work from home, and nobody is able to answer, I guess everybody is very busy with their own house work.

If you agree that they will call you when it is your turn, they will connect you not to a live person but to answering machine, so better stay on a phone even if it takes several attempts and more than an hour.

Second, every time you call they tell that they are still "reviewing". Nothing ever is ready to process the claim. They say that RN will call in 3 business days to make evaluation, but she will never call.

If you call again, they again will invent something, like they should submit now request for that and it will be reviewed now in 5 business days.

Not the nurse visit, but just reviewing request for 5 business days, even if it was promised before that she would make a call. If they said earlier that they will send a paperwork, it's a lie. You will not get anything.

You have to call again only to hear that there is no record of that promise. They will say again that they will send paperwork, but it would be with the same result - nothing.

They are "reviewing" our case from March, and now is the end of August, still absolutely nothing is done.

They are still obtaining documents from home care agency, regardless of the fact that they received invoices from them since March, which they are still reviewing. And so on, and so on.

They just want to drag the time as much as possible, hoping that the later they will start a claim, then the sooner after that their client may die and they will keep his/her money.

It's a shame! As somebody mentioned here, people should start some class action lawsuit against them.

First, let me say the customer service people are nice. Not helpful but nice. Getting the benefits took awhile. She is currently in a facility. Keeping benefits is ridiculous. They harass my mom and me every 3 months with a "reevaluation".

Just recently was told she no longer is eligible for benefits like dementia gets better (eyeroll). This is so hard when you are trying to keep your head above water with this disease and have to be harassed constantly. Not knowing when they will yank the rug out from under you.

I have been threatened 3 times. They will tell me the facility didn't give them the paperwork. They only do mail and fax no email. Even when you have proof of fax they deny. Put you on hold. Give you the runaround.

So ridiculous the lengths they go to to keep from paying. I do not know why there is not a class-action lawsuit against them.

We have never received our refund on our long term care policy which we canceled.. It was over two months ago that we completed the documents for our refund and nothing yet. It would be nice for we can use the money now.

My mother has this long term care insurance. This company’s strategy is to put you off add things you need to get claim approved every time you call.

Every time you call it’s 45-60 minute event. On hold multiple times during each call and most give you the wrong information. They have no email address and you cannot get a specific person's number. Everything is sent via regular mail.

After seven months of waiting, calling, etc they denied the claim. I would NEVER buy this! Most dysfunctional company ever.

This company is asking for a 48.83% increase in our long term care policies in MAINE!!!! Has raised rates for three years. They are trying to force us out just when we will need the policy we have paid for!! This is a scam.

Take our money, drastically increase cost, which many on fixed incomes can not afford or take a much lesser quality policy! When ask to provide financial need documentation for need of increase, representative refused request. This should be illegal to take advantage of elderly!

I have been trying to help my 92 year old father with a claim on Transamerica long-term care insurance he has paid for 35 years. He has become completely blind, has advantaged dementia and cannot care for himself in any way.

TA's own nurse examined him six months ago and then nothing. It has been seven months so far, and a nightmare at every turn. On every one of my 30+ calls to TA, I get different information, but no decision as to whether they will honor the claim.

"The file is open," "the file is closed due to inaction," "we have everything we need to make a decision," "we are missing several documents," "no supervisor is available (no supervisor is ever available)."

The final straw was a letter I just received asking for information from a doctor in GA we have never heard of (we are in NV). Yesterday I filed a complaint with the state insurance bureau and hired an elder care attorney. Do not ever purchase insurance from Transamerica.

Horrible to deal with. I can call one day and get completely different information than I got the day before. I have been waiting over SEVEN months for reimbursement for hospice care- nursing home sent in forms wrong, hospice sent in forms six months late, and all I used until hospice was RESPITE care!

They raised my husband’s rates and mine when his respite claim was made. Waste of money and my financial advisor doesn’t want me to drop it. Ugh!

My wife and I are LTC policy holders since 1999. Recently we received a letter advising of three year premium rate increases, and 4 options to avoid the increases. I spoke to a representative that was not very knowledgeable other than to answer my questions by quoting from the letter.

The letter stated to call and ask about other options which she knew nothing about. When I asked her how I could find someone to talk to face to face, she told me to find it myself, they don't provide that service.

My specific questions regarding the yearly rate increases were not answered, other than her asking if I read the letter, which I have.

The Quote selection sheet did not show option four as listed in the letter and there was no return envelope as stated in their enclosures. I am very disappointed in the call and quality of customer service.

Transamerica is the worst possible company to work with! My folks purchased long term care insurance through them, and it's been nothing but trouble. As POA, I have been on the phone time after time after time to straighten out their mistakes.

The latest is that they are declaring both my parents dead...so they do not have to pay on the claims. First it was my Mom, twice declared dead. Hours on the phone to straighten it out.

Now it's my Dad...they are demanding a death certificate in 20 days or will close the file. Nasty letter! Now the State Insurance Commissioner is involved as they are committing insurance fraud.

Policy dates to 1988. Mother recently diagnosed with altered mental state. Transamerica has lost documents submitted, sent a nurse to evaluate Mom who simply changed questions when she could not answer them, and CS does not return calls when they commit to doing so.

Many hours on hold trying to get through to someone. Always encounter excuses such as 'we sent that up for review'; or 'that has to go to a committee' for review and then they cannot tell us when committees meet.

This is a company that has designed processes to deny valid claims instead of honoring the contracts they have been collecting on for decades!

I will never, NEVER do business with this company again. I am a therapist who treated someone who had Transamerica's Supplemental insurance. They could not change my address despite my sending letter after letter to them for over 8 months.

I finally just gave up and considered the revenue lost. I will no longer take Transamerica as a supplemental insurance. In addition, for two years in a row I have erroneously received a 1099 for someone's long-term care benefits.

I wasted another pile of time trying to get it straightened out last year and it never was corrected. What this means is that Transamerica Life has violated this person's confidentiality and has made no attempt to correct it.

So for all you folks reading these reviews, not only will they treat you badly, they will mishandle your paperwork and disclose your personal business to random strangers.

Transamerica Long Term Care Insurance is undeniably Elder Abuse!!! Promised assistance when their health attenuates and need assistance with ADL’s Doctors, Providers and Social Workers have all documented needed assistance with ADL’s that should qualify insurance benefit to be utilized.

Continued rejection despite documentation required, has been submitted Parents memory, stamina and ability to make decisions on their own is waning rapidly.

This is directly causing undue anxiety, despair and significant quality of life issues. It is axiomatic, that this is flat out Elder Abuse and represents neglect and taking advantage of elderly for profit and revenue.

My mother in law has long term insurance. When she went from independent living to assisted living we had no problems. Recently she has moved to a memory care facility. This is now a nightmare with her policy. She transferred October 15th.

As to date we have been told that she has to start a new claim. Her new facility sent in all paperwork October 28th. We checked with Transamerica the end of November and were told that they had everything and they were just finishing the processing.

Yesterday we reserve a letter stating that two documents were still missing dated December 4th but postmarked December 11th. These were sent October 28th.

Yesterday we also received a letter that her premiums are no longer waived. We have been on the phone multiple times with Transamerica for hours.

Her facility has sent the paperwork again over twice today but no one can tell us if they have received it. So how did it get to this point that neither her facility nor we knew there was a problem, it been almost 6 weeks.

No one wants to take responsibility , that's OK, all we ask is that someone tell us what is going on and they have everything to move forward and get this corrected.

I’ve just started to deal with this company for my cousin's ltc policy. First I put in request to pay for home device she wears because of falling. I sent in all requested documents. When I called they wanted more or said they DIDN'T receive them.

Eventually I gave up because it was always something more required. I’m not worried after she’s paid for 20 years whether they’ll pay for any type of care. So sad. The company shouldn’t be suited and reported to the state.

It is understandable that some individuals are upset with the customer service reps who are, at times, unable to answer questions, but I will tell you that I have also found reps who were genuinely helpful.

I did not mark 5 stars because it did take me more than one call to have a copy of my policy mailed to me. My original was in our lockbox, and I was unable to go there. I wanted another copy to review before my move to an assisted living facility due to several medical issues.

According to my policy I should receive a fixed daily amount which increases annually. The best part is that it is deposited to my bank account every month. There was one month that it did not arrive in a timely fashion (I think we had mailed in the wrong statement).

However, the next month it arrived along with interest with that month's amount. Yes, paperwork - the facility verification and itemized statements - have to be submitted monthly, but I am very satisfied with Transamerica and most likely will recommend it to our children.

PLEASE DO NOT BUY LONG TERM CARE FROM TRANSAMERICA LONG TERM CARE!!!! Once they get your money, if you make a legitimate claim, they make you do multiple things to delay the process and to make you prove you "qualify" for their LT care benefits.

We have escalated with Transamerica multiple times and appealed their decision to decline benefits. Each time they come back with my mother is living at an Assisted Living facility and not a Nursing Home so the benefit is declined.

I have asked what my mother's current assisted living facility does not provide that a Nursing home does, and Transamerica only responded with the Texas state's definition of a Nursing Home versus an Assisted Living facility.

Considering my mother is a type 1 diabetic and her current "assisted living" facility monitors and administers injections multiple times a day to manage her blood sugar levels, provides physical therapy, cleans and bathes her, feeds her, dresses her, and provides all of her medication prescribed by the primary care physician who visits the facility, not sure I understand why they decline the claim.

She is considered in Extended Care and no one from Transamerica has advised what a nursing home provides that she is not getting at her assisted living/extended care facility today.

Lastly, important to note she is wheelchair bound, has no mobility in her right shoulder and arm due to a fall in March 2020. In multiple discussions with Transamerica representatives, a couple of the reps have even stated they did not understand why our claim was denied.