5 Signs of Bad Faith Denials in Long-Term Care Insurance
June 23, 2025
Insurance companies are legally bound to act in good faith when processing insurance claims. However, some insurers prioritize profits over policyholders, leading to wrongful denials, delays, and/or underpayments. At Donahue & Horrow LLP, we know how to fight back against these unfair practices to ensure that you receive the benefits you deserve. With over 70 years of combined experience and a proven track record of success, our attorneys are here to help you navigate these challenging situations.
When an insurance company unreasonably denies or delays paying a valid claim, it breaches the duty of good faith and fair dealing, commonly known as “bad faith”. Examples of insurance bad faith include:
If your claim was wrongfully denied, our attorneys will investigate the circumstances, hold the insurer accountable, and pursue the compensation you are owed.
For over two decades, Michael Horrow has dedicated his practice to fighting for individuals whose disability insurance claims have been wrongfully denied, earning a reputation as a fierce advocate against wrongful insurance company tactics. He has used his deep understanding of ERISA and disability insurance law, combined with his compassionate approach to client care, to help countless individuals secure the benefits they deserve during their most challenging times. Michael is frequently invited to speak at national legal conferences about disability insurance law and has been consistently recognized as a Super Lawyer for his expertise in this field.
With decades of experience advocating for individuals and families facing wrongful insurance denials, we deeply understand the challenges you’re facing. We know the tactics insurers use to deny claims and, more importantly, how to fight back to protect your rights and secure the benefits you deserve.
At Donahue & Horrow LLP, we treat every client like family. We take the time to listen to your story, understand your unique situation, and provide you with personalized attention at every step. You’re not just another case to us – your well-being is our priority, and we are here to support you with care, compassion, and unwavering dedication.
We understand how difficult it can be to face an insurance denial while also dealing with the challenges life has placed before you. That’s why we take on the burden of fighting for your rights, so you can focus on what matters most – your health, your family, and your future. From the moment you reach out to us, we are by your side every step of the way.
Insurance bad faith occurs when an insurance company fails to fulfill its contractual obligations in a fair and reasonable manner. This can include denying valid claims, delaying payments without justification, or misrepresenting policy terms to avoid providing coverage.
Common indicators of bad faith include:
Some examples include:
No, simple mistakes or errors by an insurer do not constitute bad faith. Bad faith typically involves intentional or unreasonable actions that harm the policyholder, such as deliberate misrepresentations or the unjustified denial of claims. However, given their vast resources and mandatory training, insurance companies very rarely make “simple mistakes.”
Bad faith can occur with any type of insurance, including:
Yes, insurers can deny claims for valid reasons, such as when the claim is not covered under the policy or if there is evidence of fraud. However, denial becomes bad faith if the insurer’s decision is unreasonable or lacks proper justification.
Insurers are required to:
Policyholders should review their contracts for details on:
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