Former Agent Charged With $900K Long-Term Care Insurance Fraud in California

By Allison Bell

News December 11, 2024 at 11:34 AM

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A former insurance agent was arraigned Tuesday in a state court in San Jose, California, in connection with allegations that she obtained $900,000 in long-term care insurance benefits through misrepresentation.

The defendant, Jingjin Bian, was charged with felony insurance fraud, according to the California Department of Insurance.

Bian and her father each had LTCI coverage from the same company. Her father was diagnosed with Parkinson's disease in February 2018. Bian was in a car accident in August 2018.

Bian filed LTCI claims based on statements that she and her father were unable to handle activities of daily living on their own, according to California department officials.

Bian ended up receiving $300,000 in LTCI benefits. Her father received $600,000.

The insurer told the California department that it suspected fraud. The department arranged for surveillance. Surveillance showed that Bian and her father could handle the activities of daily living without help from a caregiver, officials said.

"The investigation found that Bian was listed as her father's legal representative in all correspondence and that all of her father's policy correspondence, care provider scheduling, and billing were handled by Bian," officials said.

Bian is now out on $100,000 bail. She is scheduled to return to court April 16, 2025.

Bian could not immediately be reached for comment.

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