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.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Uses every dirty trick in the book
Unum is evil
Every month I get paid on a different date
They will do anything to not approve your claim
Reply
Don't trust them, they like to play games
Lyme Disease Disability Claim Denial
Disappointed with NY Life Disability Excuses
New York Life is a joke!
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Sun Life Wrongfully Denies Disability After Paying For 23 Months
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision
Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal
Prudential reverses decision to terminate LTD benefits of MRI Tech with Primary Progressive Multiple Sclerosis and degenerative Disc Disease
Engineer With Depression Wins Prudential LTD Appeal
New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis
Reviews from Our Clients
5 Ways We Help Get Your Benefits Paid
Our goal is to get your application for disability insurance benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their hired gun doctor.
Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.
If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.
Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of disability. We encourage you to contact any of our long-term disability attorneys for a free immediate review of your disability denial.
98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the little guy against the multi-billion dollar insurance company giants.
We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.
Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.
Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.
Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.
Questions About Hiring Us
We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.
Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.
We offer disability insurance attorney representation nationwide and we welcome you to contact any of our LTD lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 900 videos and regularly provide tips to help protect your disability benefits.
Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.
Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.
A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.
Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.
Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.
The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.
In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.
No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.
When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.
Popular Searches