Long-Term Care Insurance Lawyers

The aging of the baby boomer generation has necessitated a growing need for insurance coverage providing reimbursement for assistance in senior care facilities or in the home. Many people purchase long-term care insurance with the expectation that it will help defray the costly expenses of long-term care and protect themselves and their assets in the event they need care during their senior years. However, despite the high cost of long-term care insurance, collecting benefits can be difficult and challenging.

Whether you purchased long-term care insurance through your employer or individually through a broker, you have legal options if the insurance company denies, discontinues or delays payments that you have a contractual right to receive.

But will the coverage be there when they need it? Many leading long-term care insurance companies have run into financial problems, while others have either dramatically increased premiums or curtailed coverage.

How a Long-Term Care Insurance Lawyer Helps With Claims?

Long-term care insurance is extremely complex and contains many loopholes. For example, are assisted living facilities covered? What about assistance in the home? Even if such facilities or coverage are included, there are frequently additional requirements imposed by insurance companies that preclude coverage such as the specific licensure of the facility, whether a physician or nurse is on premises 24-hours-a-day, whether home health aides require certification, and other complexities.

Recent litigation has clarified some of these issues, but not all. And as premiums keep rising, the two most common questions are: Should I keep my coverage? Or, for those who are contemplating buying long-term care insurance, is it a good investment?

While the answers to all of these questions depend on individual circumstances, the attorneys at DeBofsky Law can help families seeking to enforce their right to obtain benefits under existing long-term care insurance policies. We can also represent families whose claims have been wrongfully denied in courts throughout the country.

Consult An Experienced Attorney About LTC Insurance Claim Denial

At DeBofsky Law, we handle long-term care insurance disputes for clients throughout the U.S. With offices in Chicago and Seattle, our firm has been recognized as one of the leading insurance litigation firms in the country, and founding attorney Mark D. DeBofsky is among the best in the nation. The firm’s 63+ years of combined legal experience handling insurance and employee benefits cases has demonstrated a proven track record and has resulted in numerous precedent-setting cases in various U.S. Courts of Appeals.

Any one of our seasoned attorneys can handle your case through every step of the claim process, claim appeals, and litigation. We have dealt with near every major insurance company on issues involving long-term care insurance and know how to handle your claim to achieve the best possible results efficiently and effectively.

Collecting The Benefits You Deserve

We put our clients first, and we are dedicated to our work. We are ready to take on cases where long-term care insurance companies have denied benefits for clients seeking in-home assistance, and coverage for care in assisted living and other senior care and skilled nursing facilities needed to perform activities of daily living.
We can hold your insurance company accountable for bad faith insurance practices, violations of state and federal laws, and delay or denial of reasonable claims.