Policyholder Information

Company Overview

The Life and Heath Insurance Company of America (LHICA) was based in Plymouth, Pennsylvania, and its business consisted of long-term-care insurance and home health-care products for the “age 65 and over” market, as well as life insurance for the home service market. Prior to 1996, the company concentrated primarily in the long-term-care market.

Due to financial difficulties suffered by LHICA, the Pennsylvania Court, after being petitioned by the Pennsylvania Department of Insurance, authorized the department to take control of the company in July 2004. Shortly thereafter, the department notified policyholders and creditors that the company was to be liquidated and its policy obligations, subject to statutory limits, would be the responsibility of the state guaranty associations. One of the first actions taken by the guaranty associations was to hire R.N. Swanson & Associates to continue to collect premiums and pay claims so as not to disrupt policyholder benefits.

Under the Pennsylvania Court's approved liquidation plan for the company, specific blocks of LHICA's policies were assumed by different insurance companies. Details of the transactions and contact information for these companies can be found below.

The remaining long term care policies and several other medical policies are currently being administered by a TPA on behalf of participating affected guaranty associations. Contact information for Disability Insurance Specialists can be found below.

Policy & Claims Administration

Policies of an insolvent company are often transferred to a financially sound insurance company. If policies are not transferred to another company, the policies are continued and claims administered by either the guaranty associations or a third-party administrator (TPA) working on behalf of the associations. Please contact the company/TPA listed below or the guaranty association in your state of residence for more information about your policy.

Type of Policy	Company	Effective Date
Life	Philadelphia American Life Insurance Company 11720 Katy Freeway, Suite 1700 Houston, TX. 77079 800-552.7879	Apr 01, 2005
	Additional Information: Affiliate of New Era Life Insurance Company. Assumed: (1) guaranteed renewable AD&D policies; (2) military allotment policies; (3) single premium whole life policies; and (4) universal life policies Address change as of June 2010
Long-term care & Other Medical	Disability Insurance Specialists 360 Bloomfield Avenue, Suite 406 Windsor, CT. 06095 800-722-9680 http://disability-insurance-specialists.com/	Jan 01, 2014 - Jun 30, 2022
	Additional Information: For participating GA states, except IL, MO and OH
Long-term care and Other Medical	Davies Life & Health, Inc. 1500 Main Street, Suite 1400 Springfield, MA. 01115 888.234.3749	Jul 01, 2022
	Additional Information: For participating GA states, except IL, MO and OH.

Contact Information

Guaranty association coverage is coordinated on a state-by-state basis, with coverage usually being provided by the association in your state of residence, regardless of where you purchased your policy. Policyholders should contact their state guaranty association with any questions they have about their policies. The drop-down menu below will take you to your state association's Web site, which provides answers to frequently asked questions and contact information.

If you are unsure whom to contact with your questions, please e-mail us here, and we will forward your message to the appropriate party.

Company Details

NAIC Number: 77887

An NAIC number is a five-digit number assigned to every insurance company by the NAIC (National Association of Insurance Commissioners). Because each company has its own unique number, the NAIC number can be used to identify a particular company.

Domiciliary State: Pennsylvania

The domiciliary state is the state in which an insurance company is incorporated or organized.

Liquidation Date: July 02, 2004

Estate Closed: November 27, 2007

Frequently Asked Questions