My question involves bankruptcy in the state of: Kansas
I have a Hospital Indemnity Plan which covers my children for hospital stays or outpatient surgical visits. This pays a $100/day benefit directly to me to cover expenses such as travel, time off work, deductibles, co-insurance from primary coverage, etc. It's not paid to the medical provider and it's an indemnity plan not subject to coordination of benefits.
I am about to file Chapter 7 bankruptcy, and I have not yet filed a claim under the hospital indemnity plan. Because my daughter has been hospitalized several times over the last 3 years, I have a significant claim to file. When the policy was written (over 10 years ago) there was no clause limiting the amount of time I had to file a claim. To my knowledge, this hasn't changed.
If I file bankruptcy, and then receive proceeds from this health insurance claim, can the trustee take that money?
Thank you for your help.