Stacking Policy's with One Insurance Company

I have a client that started claiming on his LTC policy's. He picked up two different long term cares with different riders about 5 years apart.
140 from one, 160 from the other.

He showed me how he faxes his claims in:
"Claim for policy 12345 and 56789"
Care notes show 6 hours of care at $25
Invoice shows 6 hours at $25

Insurance company cuts a check for 150 for one policy, and 140 for the other policy.

I don't get it, it's all inside the same company, he hid nothing, this is how every claim has been paid. Everything, the care notes, cover page with both policy's listed, the inv
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