YES, you definitely need to take action! The first thing is to file a complaint with the Policyholder Service division of the insurance dept in your sister’s state. You can find it here http://www.naic.org/state_web_map.htm
If that doesn’t work, then go to an elder law attorney, Here are two sites: www.elderlawanswers.com and https://www.naela.org/ Hope this helps. There’s no reason her premium should not continue to be waived.
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