Long-Term Care Insurance Denials
Long-term care insurance is an insurance product that offers coverage for care that can be costly and that is typically not covered by private health care insurance or government programs such as Medicaid.
Private health insurance and government programs typically only cover skilled nursing care. Long-term care insurance covers care that is necessary for a person to live independently and still maintain quality of life. This care involves activities of daily living, or ADLs, such as bathing, dressing, preparing meals, walking and other daily activities. Long-term care insurance can provide coverage that keeps elderly or frail adults in their homes, rather than allowing them to deteriorate to a condition that requires skilled nursing in a nursing home or other medical facility.
If your claim for long-term care benefits has been denied, a lawyer at Donahue & Horrow can help you understand your rights and options. Contact us today for a free consultation. We serve clients in the Los Angeles area and statewide throughout California.
Limits of Long-Term Care Coverage
Long-term care insurance typically provides reimbursement up to a set amount each day, such as $100 or $150, for providers to assist with activities of daily living in a policyholder's home or even in an institution. To be covered, the policyholder must be disabled within the meaning of the policy, such as someone who can no longer perform activities of daily living (ADLs) or someone who has a cognitive impairment.
As attorneys handling insurance claim denials, we have seen insurers deny long-term care coverage for persons suffering from Alzheimer's or dementia and in other instances where policyholders or their family members are unaware of their rights under the policy.
At Donahue & Horrow, L.L.P., we assert the policyholder's rights to coverage under the policy because we understand the physical, emotional and financial impact if the policyholder has to enter a skilled nursing facility after deteriorating at home. We want our clients to receive the care that they are entitled to, and to stay in their home or maintain the best quality of life possible, especially when they have purchased an expensive long-term care policy for this very reason.
Contact Donahue & Horrow Today
If you or someone you love has been denied coverage for long-term care, contact Donahue & Horrow, L.L.P., today to set up a consultation. We work on a contingency basis — we will not be paid unless we obtain an insurance settlement for you. We are willing to speak to you even before a claim has been denied if you have questions about long-term care insurance.
