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April 2015 Archives

LONG TERM CARE POLICIES AND DENIALS

Accepting that it's now time for a parent, loved one, or even yourself to seek the benefits provided by the long term care policy procured years ago and for which the premiums have been paid ever since is often difficult and life-changing. The one solace is that there is a policy to be utilized and thus much of the high cost of home health care and/or nursing care will be covered by the long term care benefits. Unfortunately, obtaining the long term care benefits to which the insured is entitled has become extremely difficult as insurers have become more reluctant to pay. Many insurance companies now employ numerous delay and denial tactics to avoid paying what often amounts to thousands of dollars in benefits per month for their insured.

Applying for Disability Benefits Requires a Properly Completed Application

When applying for disability insurance benefits it is extremely important that the application for benefits is properly completed and that there are no ambiguities that can be misrepresented or misinterpreted by the insurance carrier. The application is the insured's opportunity to tell his or her story and provide detailed information about their medical condition, limitations, and inability to perform the duties of their occupation.

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