Lanternfield letter 8-19-26

personas/caregiver/files/documents/doc-ltc-claim.pdf

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Long-Term Care Service Center
PO Box 90218
Nashville, TN 37209

Lanternfield Life & Annuity (888) 555-0108
lanternfield.example

Benefit Eligibility Decision
August 19, 2026

Walter E. Pruitt Jr.
Attorney-in-fact for Lorraine M. Pruitt
5309 Tolliver Bend Road
Chattanooga, TN 37421

Policy: LTC-04-2291847 Claim number: LTC-CL-2607-33915 Insured: Lorraine M.
Pruitt

Dear Mr. Pruitt,

We have finished our review of the claim you filed on July 8, 2026. Based on the statement of
Samuel Tolbert, MD, dated June 2, 2026, and our nurse's assessment at the insured's home on
August 5, 2026, Mrs. Pruitt meets the policy's conditions for benefits. She needs
substantial hands-on help with bathing and dressing, and substantial supervision because of
cognitive impairment.

Elimination period
The policy has an elimination period of 90 days of service. It began on July 8, 2026. Days
credited so far, from the Gentle Ridge Home Care invoices we have received:

Period Days of covered care

July 8 - 31, 2026 18

Benefits become payable for covered care received after the 90th credited day. Please keep
sending each monthly invoice so that we can credit the days.

What we will pay
After the elimination period, we will reimburse the actual charges of Gentle Ridge Home Care,
an approved licensed provider, up to $150.00 for each day of care. Payment is made to the
insured's bank account within 10 business days of each complete invoice.

Premiums
The premium due this fall must still be paid. Premiums are waived starting with the first
premium due after the elimination period is met.

Plan of care
The current plan of care is valid through June 1, 2027.

Your claim analyst is Marguerite Dawes, extension 4410.

Sincerely,

Long-Term Care Claims

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Lanternfield letter 8-19-26 Document · saved Aug 22, 2026

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Value	Now
ltc-policy-lorraine.policy_number	LTC-04-2291847

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Planted

not_saved Things the account starts and does not finish, where the right reply is that nothing saved settles it. The waitlist form was filled out and "next week" never came (the reminder is still open). "CHECK she did it" about Camille's renter's insurance has no sequel. "Paid back: 0" at the end of 2025 is the last word on what he fronted. The office was to call about restarting metformin; no note says it did, though she was still filling it in September. He meant to ask Dr. Tolbert to take latex off the hospital's list. Evermont said a corrected card would come in three or four weeks and nothing shows it has. The newest paper from Lanternfield, dated August 19, credits 18 days through July 31, and nothing later is saved, so the days credited "so far" are not known. One pharmacy receipt is not a year's drug costs.

attachments.yaml

record: doc-ltc-claim
template: document
org:
name: Lanternfield Life & Annuity
lines:
- Long-Term Care Service Center
- PO Box 90218
- Nashville, TN 37209
phone: '8885550108'
web: lanternfield.example
color: '#6b4a1f'
title: Benefit Eligibility Decision
body: 'August 19, 2026

Walter E. Pruitt Jr.<br>Attorney-in-fact for Lorraine M. Pruitt<br>5309 Tolliver Bend Road<br>Chattanooga,
TN 37421

**Policy:** {{ltc-policy-lorraine.policy_number}} &nbsp;&nbsp; **Claim number:** LTC-CL-2607-33915 &nbsp;&nbsp;
**Insured:** Lorraine M. Pruitt

Dear Mr. Pruitt,

We have finished our review of the claim you filed on July 8, 2026. Based on the statement of Samuel
Tolbert, MD, dated June 2, 2026, and our nurse''s assessment at the insured''s home on August 5, 2026,
**Mrs. Pruitt meets the policy''s conditions for benefits.** She needs substantial hands-on help with
bathing and dressing, and substantial supervision because of cognitive impairment.

## Elimination period

The policy has an elimination period of 90 days of service. It began on July 8, 2026. Days credited
so far, from the Gentle Ridge Home Care invoices we have received:

| Period | Days of covered care |

|---|---|

| July 8 - 31, 2026 | 18 |

Benefits become payable for covered care received after the 90th credited day. Please keep sending each
monthly invoice so that we can credit the days.

## What we will pay

After the elimination period, we will reimburse the actual charges of Gentle Ridge Home Care, an approved
licensed provider, up to $150.00 for each day of care. Payment is made to the insured''s bank account
within 10 business days of each complete invoice.

## Premiums

The premium due this fall must still be paid. Premiums are waived starting with the first premium due
after the elimination period is met.

## Plan of care

The current plan of care is valid through June 1, 2027.

Your claim analyst is Marguerite Dawes, extension 4410.

Sincerely,

Long-Term Care Claims