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FAQ - Long-Term Care Insurance Disputes



A: The rising cost of long term care, compared to the total premium costs,makes this type of insurance worthwhile. An out-of-pocket long-termcare commitment can lead to quick financial depletion and eventualbankruptcy. Home health care and facility care are among the highest inthe health care industry, especially if needed long term. It is wise topurchase long-term care, especially for older individuals, asstatistics show your odds of needing long term care increase greatly asyou age. It is important to remember the need for long-term care canhappen to anyone, at any time.

A: Although each individual policy may define the parameters of "long termcare" differently, it is generally recognized as a condition in whichthe policyholder is unable to perform activities of daily livingwithout assistance. Serious physical limitations and severe cognitiveimpairment are grounds for receiving long-term care, either in anaccredited facility, or at home with licensed medical visitation.

A: You may be entitled to partial or full coverage, depending on theprovisions of your policy. An experienced long-term care insurancelawyer can help you unravel the language of your policy to determinethe exact amount of benefits you are entitled to.

A: These types of contracts can be very convoluted and contain numeroushidden loopholes. Policyholders depend on the security of a long-termcare contract, but are left facing a mountain of long-term care billswhen a claim is denied. Because long term claims usually meansubstantial and ongoing benefit payouts, insurance companies may tryevery angle to deny benefits. Unfortunately, many times thepolicyholder is not adequately informed of the provisions of his or herpolicy upon purchase. Getting a lawyer to stand up for your rights, andexpose the inconsistencies in the contract, may help you get thebenefits you need.

A: Long-term care insurance does not cover hospital or temporary medicalexpenses, psychological disorders, addictive diagnoses, self-inflictedinjuries, doctor's office visits, rehabilitation and surgery expenses.

A: Share Lawyers does not require a down payment or retainer from its critical care insurance clients. Our lawyers operate on a contingency fee basis, where all costs are covered up front by our firm, and the lawyer collects his or her fee only in the event of a recovery.

A: There are time limits to all long-term disability insurance claims andany delay in proceeding may be subject to a deadline. You should notdelay in proceeding with your claim or obtaining legal advice toclarify these deadlines.