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.

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How Do I File an Appeal for a Denied Long-Term Disability Claim?

At Disability Insurance Law Group, our long-term disability insurance claims attorneys represent policyholders nationwide whose claims have been denied. We understand the devastating impact a denial letter can have on you...

Disability Insurance Law Group Files Appeal and Wins Long-Term Disability Benefits for Claimant Denied by Unum

Sandra A. was an executive in a large multi-national corporation. Her job required frequent travel and onsite inspections. When new products were about to launch, Sandra would give presentations to...

Why Should I Appeal A Disability Claim?

Finding out that your disability insurance provider has denied your claim can be frustrating, confusing and frightening. You and your family were likely counting on those benefits to help make...

Compassionate Long-Term Care Insurance Claims Attorneys in Miami, Florida and Nationwide

At Disability Insurance Law Group, our Miami, Florida and nationwide long-term care insurance claims lawyers represent policyholders in Florida and nationwide to help ensure their rights are protected throughout the claim process.

Our Miami-Dade County claims attorneys know that, in most cases, it takes years — sometimes decades — for individuals to use their long-term care insurance policies. This is because the best time to buy long-term care insurance coverage is when they do not need it. Most policyholders view the coverage as an investment and then count on it to be there when they require home healthcare, assisted living care, or nursing home care.

When their insurers delay, undervalue, or deny their claims, it is unfair and can devastate their savings, leaving them with minimal care options. If you and your family are counting on your long-term care insurance to pay for your medical and ongoing care needs and are now facing a coverage dispute or denial, contact our skilled Miami, Florida and nationwide insurance claims attorneys today for help.

Long-Term Care Insurance Claims Attorneys

Does Medicare Cover the Same Expenses as Private Long-Term Care Insurance?

Long-term care insurance is intended to cover costs not usually covered by traditional health insurance or Medicare.

When you require essential care after an injury or medical condition interferes with your ability to care for yourself independently, your long-term care insurance is a safety net that protects your assets and savings from being used for home healthcare, assisted living care, or nursing home care expenses.

Our Miami long-term care insurance claims attorneys represent insured clients across the country and work tirelessly to ensure their provider pays for the coverage they were counting on from their policies, so they are not left paying for these exorbitant expenses out of pocket.

Contact our long-term care insurance attorneys in Miami, Florida and nationwide 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.

Why is the Insurance Company Denying My Long-Term Care Claim?

Long-term care insurance is guaranteed renewable, which means the insurance company can never cancel your policy if you have paid the premium. If your policy is in good standing, the insurance company should pay for the coverage included in your unique policy.

This is typically where the confusion lies when it is time to pursue your coverage.

Because insurance companies know the extensive financial liability associated with long-term care insurance policies, they purposefully underwrite the policies to contain provisions designed to make it more difficult for policyholders to obtain coverage and compensation.

Common reasons long-term care insurance providers deny claims include but are not limited to:

  • The facility or caregiver is not an “Eligible Care Provider.”
  • The policyholder is still able to care for themselves independently.
  • Exclusions and limitations in the policy’s fine print, including outdated language, mandatory waiting periods, and excluded conditions.
  • Medical records or physician statements dispute the severity of the policyholder’s needs and conditions.
  • Unpaid insurance policy premiums.

If your long-term care insurance provider has denied your claim, you do not have to take their word for why the coverage was denied. In many cases, insurance companies will dispute a claim upon receipt and force the insured to provide the supporting evidence necessary to approve the claim. The idea behind this protocol is that the insurance company hopes the policyholder will give up if it provides resistance. This is unfair.

Our Miami, Florida and nationwide long-term care claims attorneys at Disability Insurance Law Group can effectively protect your rights as more than lawyers but advocates for clients’ rights against unfair treatment by major insurance companies.

Our extensive experience enables us to rapidly identify situations in which insurers fail to meet their legal and contractual obligations. No matter where you live in the U.S., our attorneys are well-versed in the processes and procedures involved in pursuing a long-term care insurance claim and protecting our client’s rights under state and federal laws.

We work tirelessly to help policyholders obtain the total limits of long-term care coverage, so they can pursue, receive, and maintain the care they need to thrive. Contact our Miami, Florida and nationwide long-term care insurance claims lawyers today to learn how we can help you, too.

What Can I Do If the Insurance Company Denies My Long-Term Care Insurance Claim?

In many cases, long-term care insurance companies will immediately respond that the policyholder’s condition does not meet the policy’s guidelines. This broad approach to denying a claim leaves policyholders in a challenging position because they honestly do not know where to go from here.

Our Miami, Florida and nationwide long-term care insurance claims attorneys can help you understand why your insurer is disputing your claim, no matter where you live in the U.S., so you can file a persuasive appeal that affords you and your well-being a second chance at receiving the care you are entitled to through your insurance coverage.

Many wrongful denials of insurance benefit claims can be overturned without the cost, frustration, and delay of filing a lawsuit simply by supplying the correct information and knowing how to respond to your insurance company’s accusations. This is why we are here.

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Contact Our Skilled Long-Term Care Insurance Claims Attorneys Today

Contact our skilled long-term care insurance claims attorneys in Miami, Florida and nationwide 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.

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

Toll Free:855-599-3247