My dad lost mental capacity some 6 years ago. He is in a care home. I have Deputy status (Court of Protection) and now look after all of his finances. Slightly before he lost his capacity, he handed me a folder with all of his financial documents (or so I thought).
Recently I received a letter addressed to him from an insurance company. It was an apology for not updating him about his health insurance policy (for the last 10 years!!!) Turns out that way back in 1999 he had bought a policy which insured against developing various health conditions, including cognitive impairment, for a substantial amount per year of care fees. I had no clue about this (there was nothing in his folder), and the insurance company had sent no communication before this "oops, we seem not to have sent you updates for a decade!" letter.
Obviously, I can now investigate claiming on his behalf. Does anyone think that I have a case for trying to backdate the claim 6 years, or is the responsibility for knowing that a policy exists rest entirely with the person who bought it, i.e. he should have told me? I'd like some suggested wording before contacting the insurance company if possible!