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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 provides protection for care that may be expensive and that’s usually not coated by personal well being care insurance coverage or authorities packages reminiscent of Medicaid.
Non-public medical insurance and authorities packages usually solely cowl expert nursing care. Lengthy-term care insurance coverage covers care that’s needed for an individual to reside independently and nonetheless keep high quality of life. This care includes actions of every day residing, or ADLs, reminiscent of bathing, dressing, making ready meals, strolling and different every day actions. Lengthy-term care insurance coverage can present protection that retains aged or frail adults of their houses, quite than permitting them to deteriorate to a situation that requires expert nursing in a nursing house 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 offers reimbursement as much as a set quantity every day, reminiscent of $100 or $150, for suppliers to help with actions of every day residing in a policyholder’s house and even in an establishment. To be coated, the policyholder should be disabled inside the which means of the coverage, reminiscent of somebody who can not carry out actions of every 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 relations 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 impression if the policyholder has to enter a talented nursing facility after deteriorating at house. We wish our shoppers to obtain the care that they’re entitled to, and to remain of their house or keep the very best quality of life potential, 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 Right this moment
In the event 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 won’t be paid except we receive an insurance coverage settlement for you. We’re prepared to talk to you even earlier than a declare has been denied if 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 the event 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 won’t be paid except we receive an insurance coverage settlement for you. We’re prepared to talk to you even earlier than a declare has been denied if in case you have questions on long-term care insurance coverage.
“I’m positive 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 feel 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 might share that with you.
I additionally wish to thanks for all of your arduous work. I do know Michael couldn’t have completed what he did with out you. You may have been so useful by way of this entire course of. It’s folks such as you that make folks like me consider. Your work is spectacular however, what I really feel you characterize 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 sort, and so supportive, and…
Thanks Nichole, for all you’ve gotten completed on my behalf. There should not sufficient phrases (at the least in my vocabulary) to precise my gratitude.” — RS
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