Was your long-term care insurance claim wrongfully denied?
Los Angeles Long-Term Care Insurance Claims Attorneys
We believe that there is an excessive number of denials for long-term care insurance claims that are wrongfully denied. Insurance companies believe that you will trust their judgment and that you will not fight back to get the benefits your loved one paid premiums to receive. Our lawyers are here to prove them wrong and help you help your loved one. Statewide legal representation including all of Southern and Northern California.
The Number of Long-Term Care Claim Denials is on the Rise
Are you caring for an adult loved one who is getting long-term care (LTC) insurance? At Donahue & Horrow, L.L.P., we have seen a disturbing trend involving this type of insurance and a rise in the number of insurance claims are being unfairly underpaid or delayed, if not outright denied.
Insurance companies are taking advantage of the fact that people in your position — children and other relatives of adults in need of long-term care — are often pressed for time and are not familiar with insurance industry practices and terminology. Between working, raising children of your own and caring for an adult loved one, you simply do not have time to look through all of the small print in a long-term care insurance policy.
Because all LTC policies have limitations on how much they will pay, for how long, and for what expenses are covered you may not even know that your loved one is not getting all the benefits that he or she is actually entitled to receive.
Has your LTC insurance claim been unfairly denied?
Our attorneys will review your claim free of charge. You will benefit from the more than 50 years of experience we have helping people in the Los Angeles area and throughout California. We will read the small print. We will make certain your loved one is getting everything he or she is entitled to. If not, we will take the appropriate action. Ask for your FREE legal consultation today!
What is Long-Term Care Insurance and what does it cover?
Long-term care insurance (LTC or LTCI), is an insurance product (type of insurance) that consumers can purchase to help provide for the cost of long-term care beyond a predetermined period of time. Long-term care insurance covers care that is generally not covered by health insurance, Medicare, or Medicaid.
LTC is different from traditional health insurance which has many limitations regarding long-term patient care. You can select a range of care options and benefits that allow you to get the services you need, where you need them. For example, long-term care insurance policies reimburse policyholders a daily amount (up to a certain limit that varies between policies based on the carrier and scope of coverage) for services to assist policyholders with activities of daily living such as bathing, dressing, or eating.
Long-term care insurance is designed to cover long-term services that include personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Your policy may cover care for two years, five years, or even offer coverage for lifetime care, and because long-term care can be expensive, insurance companies often look for ways to deny claims or to reduce the amount of benefits that they pay on individual claims.
Wrongfully Denied Long-Term Care Insurance Claim? Contact Our Southern California Law Firm to Schedule Your Free Initial Consultation
If you believe your LTC claim was denied don’t except the insurance company’s word that you did not have coverage and call us instead. We will review your long-term care claim free of charge. If your claim has been wrongfully denied we can handle your case on a contingency basis, which means you pay nothing and we receive nothing unless you win your case by way of settlement or verdict.