At Disability Insurance Law Group, our St. Petersburg long-term care (LTC) insurance claims lawyers have 50 combined years of experience representing policyholders in Florida and nationwide to help ensure their rights are protected throughout the claim process.
Our Pinellas County LTC attorneys know that when individuals and families pursue a claim for long-term care, it is because they require critical services associated with their difficulty performing daily activities independently due to aging, illness, disability, or cognitive impairment.
When our clients need assistance with activities of daily living (ADLs), long-term care insurance is designed to help them pay for the costs associated with long-term care services, typically not covered by health insurance or Medicare.
Whether the insured chooses in-home care, help from an assisted living facility, requires adult daycare supervision and interaction, or is admitted into a nursing home, their long-term care insurance can mean the difference between receiving covered quality care and paying these enormous expenses out of pocket.
When insurers delay, undervalue, or deny long-term care benefits, individuals and families are in a challenging position that can impact their physical, emotional, and financial well-being.
We want to help.
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 experienced insurance claims attorneys today for help.
Long-term care insurance is designed to provide coverage for a range of services and support needed when you have a chronic illness, disability, or cognitive impairment that prevents you from performing basic activities of daily living without assistance.
The specific services and benefits covered can vary depending on your policy and the insurance provider, but here are some common uses for long-term care insurance:
Long-term care insurance can cover staying in a nursing home or skilled nursing facility when you require around-the-clock medical and personal care.
Some policies cover expenses related to residing in an assisted living facility, which helps with activities of daily living but offers more independence than a nursing home.
This includes services provided by home health aides or visiting nurses who assist with bathing, dressing, medication management, and other tasks in your home.
Coverage may extend to adult daycare centers, where you can receive supervision, social interaction, and various therapeutic activities during the day while allowing your family caregivers to work or take a break.
Some policies cover hospice care, which focuses on providing comfort and support to individuals with terminal illnesses and their families during the end-of-life period.
This offers temporary relief to family caregivers by covering the cost of short-term, in-home care or temporary placement in a care facility for the person needing care.
Some policies include coverage for home modifications to make your residence more accessible and safer, such as installing ramps or grab bars.
Long-term care insurance policies often provide access to care coordination services to help you navigate and coordinate the various aspects of your care.
For individuals with Alzheimer’s disease or other forms of dementia, specific policies may cover specialized memory care facilities or services tailored to their needs.
Coverage may extend to assistance with activities like bathing, dressing, eating, and mobility, as well as help with medication management and supervision to ensure your safety.
It is essential to thoroughly review your long-term care insurance policy to understand what is covered and what is not, as policies can vary widely regarding coverage limits, waiting periods, and benefit triggers.
Additionally, eligibility for benefits often depends on meeting specific criteria, such as being unable to perform a specified number of ADLs or having a cognitive impairment. Our St. Petersburg long-term care insurance claims lawyers can help you understand your coverage’s terms, conditions, and exclusions so you can pursue the benefits you are entitled to.
If you believe your claim has been wrongly denied or face challenges in the appeals process, contact our skilled St. Petersburg long-term care insurance claims attorneys to get the guidance and assistance you need to navigate the appeals process successfully.
Our St. Petersburg 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.
Our extensive experience enables us to identify situations where 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.
Contact our skilled long-term care insurance claims attorneys in St. Petersburg today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our over 50 years of combined experience to work for you.
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