California Insurance Agent Faces Fraud Charges Over $900K Long-Term Care Scheme

A Cupertino woman, formerly an insurance agent, faces felony charges for allegedly defrauding an insurance company of over $900,000 in long-term care benefits. Following an investigation by the California Department of Insurance, Jingjin "Kathy" Bian, 54, was arraigned for her role in securing fraudulent payouts for herself and her father.

The case began in 2018 when Bian filed a claim for long-term care benefits after a car accident. Surveillance later revealed discrepancies, showing her performing tasks independently without the need for caregiver assistance, despite her claims of requiring help. She allegedly collected over $300,000 in unwarranted benefits.

Bian also filed a similar claim on behalf of her 81-year-old father, citing severe physical limitations. Despite receiving over $600,000 in benefits, surveillance showed her father managing activities without the claimed assistance. Bian was reportedly handling all aspects of her father’s insurance matters.

The Santa Clara County District Attorney’s Office is prosecuting the case. Bian, currently out on bail, is set to appear in court again in April 2025.