Long Term Care Insurance Attorneys
We can help you get the long-term care benefits you deserve
Long term care insurance is a type of insurance that pays a benefit when a person needs assistance completing everyday tasks due to a disability or medical condition. These everyday tasks, that we often take for granted, are called Activities of Daily Living (“ADL”).
ADLs typically include:
- Bathing
- Toileting
- Transferring
- Eating
- Dressing
- Continence
If you suffer from a physical or cognitive impairment that prevents you from performing ADLs, you may be entitled to long term care benefits from your insurance carrier.
In order to qualify you must show you are chronically ill and unable to perform at least 2 ADLs, or that you suffer from cognitive impairment that puts your safety at risk. It is very important to know what your policy requires you to prove in order to get paid the benefit.
Understanding Your Policy is Important.
Long Term Care policies may pay a daily benefit, or a monthly benefit, to cover the cost of the assistance needed. It may also cover at home care, or care in a living facility or even nursing home. Depending on the terms of your policy, you may have options for the care that is best for you.
Claims are denied by the insurance company claiming you are not unable to perform 2 ADLs or do not have significant cognitive impairment. This claim is usually based on a review of your records by a doctor, who might not have met or even spoken with you. Sometimes, insurance companies will want an in-home assessment to determine what you need assistance with and why.
The experienced long-term care insurance attorneys at Dabdoub Law Firm have successfully handled claims and appeals for clients with long term care insurance. If you need help submitting an initial claim or fighting a claim denial, please call (800) 969-0488 to connect with Dabdoub Law Firm and speak with one of our attorneys today. We can help you get paid the long-term care benefits you deserve.
Contact us today to schedule a no-cost, confidential consultation with Dabdoub Law Firm.
Why are Long Term Care Claims Denied?
One would think that if a person is chronically ill or suffers from severe cognitive impairment, they should automatically qualify for long term care benefits to help them with daily tasks. But that is not always the case.
Long term care claims are often denied because insurance companies claim there is not enough evidence to support the need for assistance. One way we push back against this type of denial is by using an independent practitioner to conduct an at home visit and write a report. This person will meet with you, observe you in your home and document your struggles. This is a very helpful piece of evidence demonstrating the need for assistance.
Get Help from Experienced Long Term Care Lawyers
Our long term care insurance attorneys can help if your claim was denied or delayed due to lack of medical evidence, policy provisions or some other reason. You should even talk to us during a free consultation if your long term care claim was denied for a seemingly valid reason. Our investigation could reveal that the reason was not valid, and you still have a chance to demand the compensation that you deserve.
Let us help you throughout the claims or lawsuit process by:
- Reviewing and explaining your long term care policy to you.
- Creating and filing a claim on your behalf.
- Submitting an appeal if the claim is denied.
- Negotiating with the insurance company to reach a settlement.
- Going to court on your behalf if necessary.
Choose the Firm That Can Win – Call Now
At Dabdoub Law Firm, we are proud of our track record of success for our clients in difficult cases, including long term care claim denials. Not only have we won for countless people across the nation throughout our 20+ years of practice, but many of our greatest victories were achieved through settlements without the need to go to trial. In this way, we have been able to secure benefits sooner for many of our clients and with much less stress.
See how Dabdoub Law Firm can help with your long term care insurance policy claim or denial by dialing (800) 969-0488 at any time.
