Long Term Care Insurance Denial Lawyers Helping Claimants Nationwide

How Can We Help With Your Long Term Care Claim?     

Our long term care lawyers have extensive experience in handling long term care insurance claims and we are one of the few law firms in the country that handles long term care claims.  We help claimants apply for long term care benefits, manage your claim on a monthly basis, and handle long term care insurance denials.  Long term care policies are sold by more than 20 long term care insurance companies and each company sells a long term care policy with specific policy language.  Our long term care attorneys have handled long term care insurance claims against every major insurance company. 

How Do We Help with Long Term Care Claims

Our goal is to make sure either you or the claimant is paid the long term care benefits that are owed.  The first step is to contact one of our lawyers for an immediate free phone consultation about the facts of your long term care claim. We will immediately need to  review a copy of your long term care policy. If you don’t have a copy of your long term care policy you can either contact the insurance agent that sold the policy or your long term care insurance company. If you do call the long term care company you should only ask for a copy of the policy and not report the claim.  You don’t want to report the claim until you know the terms of your long term care policy.  If you call and report the claim without knowledge, then you could be providing information that is detrimental to the claim.  The first call to report a claim is usually recorded and you want to be prepared when submitting a claim.  

Applying or Monthly Claim Handling Assistance

In an initial claim for long term care benefits our lawyers will work closely with you and prepare all of the initial applications to obtain claim approval. A physician statement will be required and in some cases the services of a home health aide may be required. We will work with your doctor’s office to obtain the required documentation and support.   Every month your long term company will require documentation in order for benefits to be approved.  Our law firm will work closely with you, your doctors, and your home caretaker to make sure that you receive the maximum policy payment available.  The long term care company will only communicate with our office and they will never contact you.  You will be able to focus on your health and our lawyers will focus on making sure your long-term care benefits are paid each month.  

Long Term Care Insurance Denial

Throughout the country our lawyers have handled long term care denials.  In many long term care denials time is of the essence and we have the resources and experience to take immediate action.  Whether an Appeal or a lawsuit is required, we can evaluate your claim immediately and take whatever legal action is required.  If your long term care claim has been denied, then we would like to immediately review your denial letter.  During a free initial phone consultation we will let you know what it will take to get your long term care benefits paid. 

Strategies for Approval of Long Term Care Benefits 

Every long term care insurance policy is subject to interpretation, and this interpretation of policy language must be in a light most favorable to the claimant.  The language in most long term care policies is often complex and techinical. The complex language can be used to your advantage and long term care benefits can be approved with strategic presentation of your claim. In a long term disability the claim the claimants must prove that they either  cannot perform or need assistance with a certain number (usually 2) of “Activities of Daily Living,” which typically means any of the following:

  • Bathing: Washing oneself by sponge bath or in either a tub or a shower
  • Dressing: Putting on and taking off all items of clothing and any required braces, fasteners or artificial limbs
  • Transferring: Moving into or out of a bed, chair or wheelchair
  • Toileting: Getting to and from the toilet, getting on and off the toilet
  • Continence: Ability to maintain control of bowel and bladder function
  • Eating: Feeding oneself by getting food into the body from a receptacle or by a feeding tube or intravenously.

In many cases if you need even the slightest of assistance with any of your activities of daily living, then you may be eligible for long term care benefits.  The degree of incapacity will depend on the specific language in your long term care policy.  You do not need to be incapacitated with an activity of daily living to collect long term care.  Give us a call to discuss your potential claim.