Insurance fraud is a punishable Felony . Elderly abuse, fraud and exploitation is a further heightened crime and the punishment is increased and severe. In addition to calling the insurance company and reporting the fraud you should call the local police asap and report the potential crime. You may need legal assistance to deal with the insurance company or you may not. Many States also have an Elder Exploitation Department you should call to report the crime.
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Disclaimer: Michael Sperounes is a Florida license attorney who has practiced law for over 23 years. Any opinion expressed is for general informational purposes only, no attorney-client relationship is intended or created by this answer, and no action or inaction should be contemplated without first employing and consulting with a competent attorney convenient to the questioner.