Has your insurance coverage declare for long-term care been wrongfully denied? Our attorneys can assist.
Lengthy-term care insurance coverage is an insurance coverage product that provides protection for care that may be expensive and that’s usually not coated by non-public well being care insurance coverage or authorities applications corresponding to Medicaid.
Personal medical health insurance and authorities applications usually solely cowl expert nursing care. Lengthy-term care insurance coverage covers care that’s obligatory for an individual to reside independently and nonetheless keep high quality of life. This care entails actions of day by day dwelling, or ADLs, corresponding to bathing, dressing, making ready meals, strolling and different day by day actions. Lengthy-term care insurance coverage can present protection that retains aged or frail adults of their houses, somewhat than permitting them to deteriorate to a situation that requires expert nursing in a nursing dwelling or different medical facility.
In case your declare for long-term care advantages has been denied, a lawyer at Donahue & Horrow can assist you perceive your rights and choices. Contact us at present for a free session. We serve purchasers 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 offers reimbursement as much as a set quantity every day, corresponding to $100 or $150, for suppliers to help with actions of day by day dwelling in a policyholder’s dwelling and even in an establishment. To be coated, the policyholder have to be disabled throughout the which means of the coverage, corresponding to somebody who can not carry out actions of day by day dwelling (ADLs) or somebody who has a cognitive impairment.
As attorneys dealing with insurance coverage declare denials, now we have 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 below the coverage.
At Donahue & Horrow LLP, we assert the policyholder’s rights to protection below 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 dwelling. We wish our purchasers to obtain the care that they’re entitled to, and to remain of their dwelling or keep the very best 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 As we speak
For those who or somebody you like has been denied protection for long-term care, contact Donahue & Horrow, LLP, at present to arrange a session. We work on a contingency foundation — we won’t be paid until 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 when you have questions on long-term care insurance coverage.
Los Angeles Lengthy-Time period Care Claims Disputes Attorneys
Serving all of California. For those who or somebody you like has been denied protection for long-term care, contact Donahue & Horrow, LLP, at present to arrange a session. We work on a contingency foundation — we won’t be paid until 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 when you have questions on long-term care insurance coverage.
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