Business ProfileforCNA Financial Corporation

I am the son of the policyholder, BML, who resides in Naples, Florida. My mother, who is 92 and in poor health, asked me to review the claim she filed as a policyholder of Continental Casualty Company, (hereinafter referred to as "CNA"). FACTS: My mother was injured when she fell at home during Hurricane Ian on September 28, 2022. She was admitted to a local hospital on September 28, 2022, and had surgery to repair her fractured femur on September 30, 2022. She was discharged from the hospital, transferred by ambulance, and admitted to a long-term care facility, on October 5, 2022. My mother was an in-patient there until she was discharged and transferred by ambulance to her home on November 18, 2022. At home, my mother received home care services. She also received services from a licensed physical therapist in her home. Her long-term care policy with CNA included a "home health care rider". My mother started her claims process with CNA in October 2022. THE CLAIMS PROCESS: 1. CNA has erroneously applied a "5 visit elimination period" to deny coverage for my mother's home health care expenses incurred in December 2022. A cursory review of my mother's applicable home health care rider would clearly demonstrate the "elimination period" does not apply to her claim as it followed "within 30 days of hospital confinement of at least 3 days". 2. CNA denied benefits by erroneously claiming services were not rendered in a "home convalescent unit". This denial is preposterous. All home health care services provided to my mother have been provided in her home, which is a private home. Her policy defines a Home Convalescent Unit as follows: "Home Convalescent Unit means Your home, a private home". SUMMARY To date, CNA has paid less than $600.00 to my mother on her claim. This is a fraction of the money owed to my mother. CNA has engaged in an outrageous pattern of delay and denial, and failure to meet its contractual obligations. To a 92 year old, delay is denial.