Commentary: A mother’s plea: Fix the broken continuum of care for brain injury patients - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Health/Employee Benefits News
Newswires RSS Get our newsletter
Order Prints
September 5, 2025 Newswires
Share
Share
Post
Email

Commentary: A mother’s plea: Fix the broken continuum of care for brain injury patients

Kendra WinnerThe Sun Chronicle

Nearly two years ago, my son Aidan's life — and, as a result, our family's life — changed forever.

A devastating car crash left Aidan with multiple severe brain injuries. He is now 20, unable to speak or walk and dependent on a feeding tube.

After 10 surgeries and nearly 80 days in a surgical intensive care unit, Aidan was discharged from an acute care hospital to rehabilitation for the first time in March of 2024. But since then, there have been setbacks: seizures, bowel obstructions, four more hospitalizations, and [multiple additional] surgeries with complications.

Our world has shattered. Every moment is a battle — watching him struggle, fearing what the future holds, clinging to hope while drowning in uncertainty.

But as if that agony weren't enough, I've also been forced to wage another relentless battle--this one against a cold, indifferent private health insurance industry that treats my son like a number instead of a life worth fighting for.

We, as members of any health insurance plan, are a good bet for this system as long as we remain healthy. When life deals us a cruel blow, however, like it did to Aidan, it's as if we are losses to be cut.

While he fights for every inch of progress, I'm fighting just to get him the care he desperately needs. While Aidan has made strides and continues to make progress, he currently requires two people just to reposition him or change him. He cannot consistently follow directions, leaving medical professionals unsure about his cognitive abilities.

Yet, despite Aidan's obvious need for specialized rehabilitation, his ongoing care has been denied by Harvard Pilgrim Health Care innumerable times, and for the third time we have escalated to the appeal level. Neither of the two physicians at HPHC who have been responsible for denying approval for services for Aidan is identified as being certified or specializing in traumatic brain injury.

Because I am an employee of the Commonwealth, my coverage falls under the purview of the Massachusetts Group Insurance Commission, which adjudicates coverage disputes for state employees, and it has ruled in our favor on two separate occasions.

As Aidan's mother, I have fought tirelessly to ensure he receives the treatment he needs to not just survive but to have a chance at recovery. What I've encountered is resistance and a fragmented system that has left me terrified for Aidan's future.

Since the accident on Dec. 20, 2023, Aidan has been shuttled between Lahey Hospital and Medical Center in Burlington, Spaulding Rehabilitation Hospital in Cambridge, Massachusetts General Hospital in Boston, Spaulding Rehabilitation Hospital in Charlestown, RiverRidge Neurorehabilitation Center in Kennebunk, Maine, and, as of May 5, the Neurobehavioral Rehabilitation Program at CareOne in Holyoke.

Each facility has provided vital treatment, but the moment insurance deems Aidan's recovery insufficient, they deny his coverage and the pressure begins to discharge him. Without access to robust, ongoing rehabilitation, progress Aidan has fought so hard to make could be lost.

Standing beside the bed of my critically injured child in December 2023, I never imagined that once it was clear that Aidan would survive, the most terrifying part of this journey would be the disjointed and ill-defined care available for him.

It's hard to describe both the disbelief and fear I experienced hearing medical professionals say to me, on the one hand, "The system is broken" and, on the other hand, "maybe you should focus on the now and not on what's next for Aidan."

Aidan's current inability to reliably follow directions limits his outpatient therapy options. The state's only pediatric inpatient rehabilitation hospital has denied him, saying he's not a good candidate. Neither of the state's two pediatric skilled nursing facilities have units that treat traumatic brain injury (TBI) or acquired brain injury (ABI).

Aidan is covered by both my private health insurance and, since his accident, by the state's Medicaid program, MassHealth. The Commonwealth offers two waiver programs for individuals with brain injuries — the Acquired Brain Injury (ABI) and Moving Forward Plan (MFP) waivers — which provide a wide range of services, including home health aides and various therapies.

We applied for the MFP waiver, which is more appropriate given Aidan's age. However, these waiver benefits cannot be used in skilled nursing facilities, even if we were able to bring in outside occupational or physical therapists.

At the same time, because Aidan is considered a pediatric patient until age 22, adult rehabilitation centers with TBI/ABI programs are legally unable to admit him without a waiver. With advocacy from the Massachusetts Executive Office of Health and Human Services and MassHealth, the Holyoke Neurobehavioral Rehabilitation Program agreed to take Aidan and applied for that waiver.

As for homecare, while the MassHealth waivers will help, they would only provide about half of the 24/7 level of support Aidan requires. We can supplement these hours with the Massachusetts Personal Care Assistant program, which provides funds and other resources to hire personal care assistants that allow disabled individuals to stay in their community, but care providers may not show up on certain days with little or no notice.

Reliant on my job and its insurance benefits, becoming a full-time caregiver myself is not an option —which is true for most loved ones of brain injury survivors.

At the root of this crisis is a broken continuum of care for traumatic brain injury and acquired brain injury patients. These injuries require long-term rehabilitation. Research and experience have shown that even those initially deemed unlikely to recover can make significant progress with the right support. But progress takes time — far longer than insurance companies or current care models will allow.

Without this continuum, survivors like Aidan are often sent home without adequate support or placed in nursing homes that don't offer the life-changing therapies that are critical to their recovery. Many more are living in the community with insufficient help.

For Aidan, in his current state, this fragmented system means no future guarantee that he can access therapies he desperately needs.

State lawmakers have the power to increase access to post-acute rehabilitation in ways that other states have previously done without increasing costs. The supports for brain-injured patients must be shored up to ensure that no one is denied the chance to recover due to systemic shortcomings. This requires:

Expanding Sub-Acute Rehabilitation: All TBI and ABI patients should have access to facilities equipped to meet their unique needs, regardless of their age or progress rate. Recovery from severe brain injury is a lifelong process, and long-term rehabilitation leads to better outcomes, reducing the overall burden on the health care system. Massachusetts was home to one of the first sub-acute brain injury rehabilitation facilities, and like so many of the hospitals in the state, it was world renowned. It closed in 2001.

Establishing a Dedicated Care Coordination System: When Aidan was rushed to Lahey after the accident, the hospital administrators acted quickly — helping me secure legal guardianship, initiate MassHealth coverage, and begin the disability application process. But one critical support was missing: a complex care manager.

This role should be an automatic part of the response to catastrophic injuries.

A care manager could guide families from the very start, helping them navigate the maze of eligibility rules, paperwork, and services, and ensuring their loved one receives appropriate therapies and support at every stage of recovery. A

lthough the state recently assigned us a complex care manager, I wasn't aware of this service until nine months after the accident — and now they have taken us on because an administrator from another state office contacted them directly on our behalf.

Addressing Gaps in Skilled Nursing Facilities: More facilities must be equipped with the staff and expertise to care for and provide the necessary therapies for TBI and ABI patients. Only a handful of adult skilled facilities in the state have this expertise, while none of the pediatric facilities do. Additionally, here in Massachusetts and across the country, there is an urgent need to address the critical shortage of certified nursing assistants and personal care assistants.

Managing Aidan's care often leaves me sleepless and overwhelmed. I spend countless hours worrying and curating information about available resources. Medical professionals are compassionate, but openly acknowledge the system is broken. Accepting this would mean giving up on Aidan and condemning him to a life of lost potential — something I cannot do.

Nearly two years ago, I sat by my son's hospital bed, holding his hand and willing him to survive.

Today, I fight for him to live a life beyond survival. He deserves that chance. All brain injury survivors do.

Older

Justice Department opens probe into Fed governor's mortgage declarations

Newer

Sen. Ruben Gallego challenges latest nominee to Fed bank on independence from Trump

Advisor News

  • Strong underwriting: what it means for insurers and advisors
  • Retirement is increasingly defined by a secure income stream
  • Addressing the ‘menopause tax:’ A guide for advisors with female clients
  • Alternative investments in 401(k)s: What advisors must know
  • The modern advisor: Merging income, insurance, and investments
More Advisor News

Annuity News

  • ALIRT Insurance Research: U.S. Life Insurance Industry In Transition
  • My Annuity Store Launches a Free AI Annuity Research Assistant Trained on 146 Carrier Brochures and Live Annuity Rates
  • Ameritas settles with Navy vet in lawsuit over disputed annuity sale
  • NAIC annuity guidance updates divide insurance and advisory groups
  • Retirement is increasingly defined by a secure income stream
More Annuity News

Health/Employee Benefits News

  • Idaho's rural hospitals grapple with insurance denials, employee housing shortages, Medicaid changes
  • Health insurance legislation signed into law by Reynolds
  • Alliance for Medicare launches coalition to improve Medicare Advantage
  • ‘Working with us as a family’: Jefferson mom says insurers should cover behavioral health service for children
  • SSM HEALTH, SAINT LOUIS UNIVERSITY PARTNER ON RN-TO-BSN PROGRAM
More Health/Employee Benefits News

Life Insurance News

  • ALIRT Insurance Research: U.S. Life Insurance Industry In Transition
  • 5 steps to take before selling your insurance agency
  • U-Haul Holding Company Schedules Fourth Quarter Fiscal Year End 2026 Financial Results Release and Investor Webcast
  • New Empathy and LIMRA Research: The Overlooked Opportunity to Engage the Next Generation After an Insurance Payout
  • Symetra Names Jeff Sealey Vice President, Stop Loss Captives
More Life Insurance News

- Presented By -

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Why Blend in When You Can Make a Splash?
Pacific Life’s registered index-linked annuity offers what many love about RILAs—plus more!

Life moves fast. Your BGA should, too.
Stay ahead with Modern Life's AI-powered tech and expert support.

Bring a Real FIA Case. Leave Ready to Close.
A practical working session for agents who want a clearer, repeatable sales process.

Discipline Over Headline Rates
Discover a disciplined strategy built for consistency, transparency, and long-term value.

Inside the Evolution of Index-Linked Investing
Hear from top issuers and allocators driving growth in index-linked solutions.

Press Releases

  • JP Insurance Group Launches Commercial Property & Casualty Division; Appoints Joe Webster as Managing Director
  • Sequent Planning Recognized on USA TODAY’s Best Financial Advisory Firms 2026 List
  • Highland Capital Brokerage Acquires Premier Financial, Inc.
  • ePIC Services Company Joins wealth.com on Featured Panel at PEAK Brokerage Services’ SPARK! Event, Signaling a Shift in How Advisors Deliver Estate and Legacy Planning
  • Hexure Offers Real-Time Case Status Visibility and Enhanced Post-Issue Servicing in FireLight Through Expanded DTCC Partnership
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet