Serving Florida and Nationwide
Call For A Free Consultation
(954) 989-9000
Serving Florida and Nationwide
Call For A Free Consultation (954) 989-9000

Holding Insurance Companies Accountable For The Coverage They Promised and The Benefits You Deserve. Serving Florida and Nationwide.

Long-Term Care Insurance Claim Attorney in Fort Lauderdale, FL

At Disability Insurance Law Group, our Fort Lauderdale long-term care insurance claims lawyers represent individuals in Florida and across the nation who are facing resistance in the form of disputes or denials from their insurance providers.

Our Broward County insurance claims attorneys know that individuals and families purposefully seek long-term care insurance policies to help ensure they will not have to pay for costly future care needs that health insurance does not cover out of their pockets.

No matter where they live or work in the U.S., or if they are retired, most long-term care policyholders would never imagine their insurance provider disputing or denying their claims. Unfortunately, it happens all the time, and it is impacting some of the country’s most vulnerable residents.

According to a study from the Urban Institute and the U.S. Department of Health and Human Services, about 70% of Americans who reach age 65 will need some long-term care during their remaining years. For those who do not have family members who can provide free, part- or full-time help, nearly half will need some paid assistance. What is more, approximately 24% will need more than two years of paid care and around 15% will spend two-plus years in a nursing home. These expenses can be astronomical and devastate any savings you were counting on going forward.

If you and your family were counting on your long-term care insurance to pay for your medical and ongoing care needs, and were met with a letter of dispute or denial instead, contact our skilled insurance claims attorneys today for help. Our law firm represents insured clients across the country and works tirelessly to ensure their provider pays for the coverage they were counting on from their long-term care insurance policies.

Why Do People Need Long-Term Care Insurance?

Regular health insurance does not cover long-term care, including home healthcare, assisted living care, or nursing home care.

For those who are hoping Medicare will pick up where their health insurance leaves off, they are often surprised to learn it only covers short nursing home stays or limited amounts of home healthcare.

If you do not have insurance to cover long-term care, these expenses must be paid out of pocket, which can devastate your savings while leaving you with extremely limited care options.

The best time to pursue long-term care insurance is while you are healthy and planning for the future. If you wait until you are suffering from a debilitating disease, it will be too late to secure a policy. Talk to your family and your insurance provider about potential coverage options, so you are ready for anything that may come your way — even if it doesn’t.

What to Do When Insurers Fail to Cover Long-Term Care Expenses

Long-term care insurance is intended to provide essential care necessary when an injury or medical condition interferes with a person’s ability to independently care for him or herself. Long-term care insurance covers costs not usually covered by traditional health insurance or Medicare, and long-term care expenses average $56,000 per year, which is not a feasible expense for most people.

Benefits available under a long-term care insurance policy can include:

  • Help with daily activities in your home.
  • Adult daycare and other community programs.
  • Nursing home care.
  • Visits by nurses or other home health care professionals.
  • Medical devices.
  • Transportation.

Many long-term care insurance policies are drafted by insurance company attorneys and contain provisions specifically designed to limit the responsibility of the insurer or to make it more difficult for policyholders to obtain coverage and compensation. It is therefore essential that policyholders’ rights are protected against bad-faith insurance practices designed to make it more difficult for individuals to receive the long-term care benefits they are due. We can help. Contact our nationwide long-term care insurance attorneys today to ensure your rights are protected from the start of your claim, so you can get the coverage you are entitled to from your policy.

Disability Insurance Law Group is Here to Protect Your Long-Term Care Benefits

Disability Insurance Law Group can effectively protect your rights for the duration of your claim. Our experienced and accomplished insurance lawyers have advocated clients’ rights against unfair treatment by major long-term care insurance companies, including:

Our extensive experience enables us to rapidly identify situations in which insurers are failing to live up to their legal and contractual obligations. Our attorneys are well versed in the specific processes and procedures involved in pursuing a claim and protecting our clients’ rights under state and federal law. We work tirelessly to help policyholders obtain the full limits of long-term care coverage to which they are entitled. We can also answer your questions about long-term care insurance.

Contact our skilled long-term care insurance claims attorneys in Florida today by calling 954-989-9000 or contact us online to schedule a completely free and confidential case assessment, so we can put our over 50 years of combined experience to work for you.

Frequently Asked Questions For Our Long-Term Care Insurance Claims Attorneys In Florida

What is the Cost of Long-Term Care Insurance?

The rates insurance companies charge for long-term care policies vary from company to company and policy to policy.

The premium you pay will depend on multiple factors, including your:

  • Age.
  • Health.
  • Gender.
  • Marital status.
  • Amount of coverage.

When is it Too Late to Pursue Long-Term Care Insurance Coverage?

Typically, most people will apply for long-term care insurance long before they need it, so they are not denied coverage, since each insurance carrier has a maximum age for insuring long-term care policies. In addition, individuals and families should pursue long-term care coverage while they are healthy. Applying after you have suffered a major health crisis may place your eligibility in doubt.

What Happens if I Cannot Afford Long-Term Care Insurance?

Talk to your family members about the cost of your long-term care insurance premium to see if they can help keep the coverage going. The alternative may be far more expensive, including any long-term hospitalizations, assisted living needs, or nursing home residencies.

Can the Insurance Company Increase My Long-Term Care Insurance Premium to Get Me to Stop the Coverage?

No. That is illegal. Long-term care insurance premiums are intended to remain level. The insurance company cannot change your premium unless they get approval to raise everyone in a specific class from your state’s insurance department.

Can the Insurance Company Cancel My Long-Term Care Insurance?

Long-Term Care Insurance is guaranteed renewable, which means the insurance company can never cancel the policy if you have paid the premium.

Do You Need Legal Counsel? We Invite You To Contact Us For A Free Consultation.

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  • 3201 W. Commercial Blvd. Suite 227
  • Fort Lauderdale, FL 33309
Call For A Free Consultation (954) 989-9000

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