Has your insurance coverage declare for long-term care been wrongfully denied? Our attorneys might help.
Lengthy-term care insurance coverage is an insurance coverage product that gives protection for care that may be expensive and that’s usually not lined by personal well being care insurance coverage or authorities applications equivalent to Medicaid.
Personal medical health insurance and authorities applications usually solely cowl expert nursing care. Lengthy-term care insurance coverage covers care that’s crucial for an individual to stay independently and nonetheless keep high quality of life. This care entails actions of each day residing, or ADLs, equivalent to bathing, dressing, making ready meals, strolling and different each day actions. Lengthy-term care insurance coverage can present protection that retains aged or frail adults of their properties, somewhat than permitting them to deteriorate to a situation that requires expert nursing in a nursing residence or different medical facility.
In case your declare for long-term care advantages has been denied, a lawyer at Donahue & Horrow might help you perceive your rights and choices. Contact us at the moment for a free session. We serve shoppers within the Los Angeles space and statewide all through Southern and Northern California.
Limits of Lengthy-Time period Care Protection
Lengthy-term care insurance coverage usually supplies reimbursement as much as a set quantity every day, equivalent to $100 or $150, for suppliers to help with actions of each day residing in a policyholder’s residence and even in an establishment. To be lined, the policyholder should be disabled throughout the which means of the coverage, equivalent to somebody who can now not carry out actions of each day residing (ADLs) or somebody who has a cognitive impairment.
As attorneys dealing with insurance coverage declare denials, we have now seen insurers deny long-term care protection for individuals affected by Alzheimer’s or dementia and in different situations the place policyholders or their members of the family are unaware of their rights underneath the coverage.
At Donahue & Horrow LLP, we assert the policyholder’s rights to protection underneath the coverage as a result of we perceive the bodily, emotional and monetary influence if the policyholder has to enter a talented nursing facility after deteriorating at residence. We would like our shoppers to obtain the care that they’re entitled to, and to remain of their residence or keep the highest quality of life attainable, particularly after they have bought an costly long-term care coverage for this very cause.
For A Free Session With Skilled Lengthy-Time period Care Insurance coverage Declare Attorneys, Contact Donahue & Horrow At the moment
In case you or somebody you like has been denied protection for long-term care, contact Donahue & Horrow, LLP, at the moment to arrange a session. We work on a contingency foundation — we is not going to be paid except we get hold of an insurance coverage settlement for you. We’re prepared to talk to you even earlier than a declare has been denied in case you have questions on long-term care insurance coverage.
Los Angeles Lengthy-Time period Care Claims Disputes Attorneys
Serving all of California. In case you or somebody you like has been denied protection for long-term care, contact Donahue & Horrow, LLP, at the moment to arrange a session. We work on a contingency foundation — we is not going to be paid except we get hold of an insurance coverage settlement for you. We’re prepared to talk to you even earlier than a declare has been denied in case you have questions on long-term care insurance coverage.
“I’m certain you heard the information. Wow, what an expertise! I used to be completely overwhelmed with the method, emotionally bankrupt. On the finish of the day, I believe I used to be in whole shock. I puzzled round in an emotional daze for hours. The excellent news, I woke as much as a Model New Day. I haven’t seen this sort of day in years. Simply thought I’d share that with you.
I additionally wish to thanks for all of your arduous work. I do know Michael couldn’t have carried out what he did with out you. You may have been so beneficial by this entire course of. It’s individuals such as you that make individuals like me imagine. Your work is spectacular however, what I really feel you signify as a human being is most spectacular. I felt you holding my hand, and I’m grateful to you for that. You might be wonderful. You have been on the pulse of the case always. Not as soon as did I really feel that I wanted to speak to Michael for clarification (a primary for me, particularly, within the authorized world). You may have been so useful, and type, and so supportive, and…
Thanks Nichole, for all you might have carried out on my behalf. There are usually not sufficient phrases (not less than in my vocabulary) to precise my gratitude.” — RS
