Senior Life Services offers life insurance and helps seniors gain acceptance to Patient Assistance Programs. Patient Assistance Programs provide discounted or free medications from pharmaceutical companies to patients with low incomes or no insurance who meet eligibility criteria. While programs carefully review applications, an advocate can appeal for those initially denied by pleading hardship. It is important to thoroughly and legibly complete applications to increase chances of approval.

1. Patient Assistance Programs

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Senior Life Services provides life insurance
policies that ensure its clients and their loved
ones will be covered in the event of a policyholder’s passing, covering such final expenses
as funereal and interment costs and providing
lump sums to the surviving family as a means
of income replacement.
Beyond its life insurance products, Senior Life
Services also offers programs to help seniors
who are struggling to pay for medical services,
such as helping its clients gain acceptance
into Patient Assistance Programs.

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Traditionally provided by pharmaceutical
corporations, Patient Assistance Programs, or
PAPs, offer discounted and complimentary
medication to patients with little or no
insurance and low to middling incomes.
Patients must meet various program criteria in
order to be approved.

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If an individual does not initially meet a
program’s criteria, an advocate such as an
insurance agency or a health care provider
can send a letter of appeal pleading hardship,
as PAPs will review cases and sometimes
make exceptions.
Many programs are fastidious and demanding
in regard to their applications and may deny
those with required answers left blank or
illegible.
As such, it is best to take one’s time in filling
out forms, taking care to print answers clearly
and complete applications thoroughly.