Has your insurance coverage declare for long-term care been wrongfully denied? Our legal professionals will help.
Lengthy-term care insurance coverage is an insurance coverage product that gives protection for care that may be pricey and that’s usually not coated by non-public well being care insurance coverage or authorities applications corresponding to Medicaid.
Non-public medical insurance and authorities applications usually solely cowl expert nursing care. Lengthy-term care insurance coverage covers care that’s needed for an individual to stay independently and nonetheless preserve high quality of life. This care includes actions of each day residing, or ADLs, corresponding to bathing, dressing, getting 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, fairly 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 will help you perceive your rights and choices. Contact us immediately 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 supplies reimbursement as much as a set quantity every day, corresponding to $100 or $150, for suppliers to help with actions of each day residing in a policyholder’s dwelling and even in an establishment. To be coated, the policyholder should be disabled throughout the which means of the coverage, corresponding 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’ve seen insurers deny long-term care protection for individuals affected by Alzheimer’s or dementia and in different cases the place policyholders or their relations 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 dwelling. We would like our purchasers to obtain the care that they’re entitled to, and to remain of their dwelling or preserve the very best quality of life potential, particularly once 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 In the present day
Should you or somebody you like has been denied protection for long-term care, contact Donahue & Horrow, LLP, immediately to arrange a session. We work on a contingency foundation — we won’t be paid until we acquire an insurance coverage settlement for you. We’re keen 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. Should you or somebody you like has been denied protection for long-term care, contact Donahue & Horrow, LLP, immediately to arrange a session. We work on a contingency foundation — we won’t be paid until we acquire an insurance coverage settlement for you. We’re keen to talk to you even earlier than a declare has been denied in case you have questions on long-term care insurance coverage.
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