Long-term care insurance is designed to help individuals cover the costs associated with long-term care services, such as nursing home care, assisted living, and in-home care, not typically covered by health insurance or Medicare.
The reality is that, in total, Americans spend $475.1 billion annually on long-term care.
This means long-term care insurance can be a valuable financial tool for certain individuals and their families. There is peace of mind in knowing their future care needs are covered by insurance, and they will not have to pay for these potentially extraordinary costs out of pocket if needed.
At Disability Insurance Law Group, our Tampa long-term care insurance claims lawyers know this coverage is only valuable when the insurance pays their policyholder’s claims. 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, we want to help you obtain the benefits your policy promises.
Our Hillsborough County long-term care insurance claims attorneys represent policyholders in Florida and nationwide to help ensure their rights are protected. Whether submitting an initial claim, responding to a dispute, or having already been denied benefits, you do not have to navigate the complex insurance process alone. Contact us today for help.
An estimated 12 million people in the United States require long-term care. This number is expected to increase to 27 million people by 2050.
Long-term care is care given to someone who can no longer perform activities of daily living. The average length of stay in long-term care is 3.2 years, and over 20% of residents will require care for five years or longer. According to the U.S. Department of Health and Human Services, nearly 70% of 65-year-olds will need long-term care in their lifetimes.
No matter your age, if the time comes when you do need long-term care benefits, the last thing you will want to add to your list is fighting with the insurance company to ensure your expenses are paid in full. While you may not always need an attorney to file a long-term care insurance claim, there are situations where having legal representation can be beneficial.
Here are some reasons why you might consider partnering with an attorney when dealing with a long-term care insurance claim:
Long-term care insurance policies can be complex, and the claims process may involve various documents, medical records, and legal terms. If your claim is particularly complicated, our Tampa insurance claims attorneys can help you navigate the process and meet all the requirements and deadlines.
Partnering with experienced long-term care insurance claims attorneys protects your legal rights throughout the claims process. We can provide legal advice, prevent you from making statements that could harm your case, and represent your best interests from the start of your claim.
Sometimes, there may be disputes between you and the insurance company regarding the terms and coverage of your policy. Our experienced attorneys can review your policy, interpret its provisions, and negotiate with the insurer on your behalf to ensure you receive the benefits you are entitled to.
If your long-term care insurance claim is denied or delayed, an attorney can help you understand why and work to resolve the issue. Insurance companies may deny claims for various reasons, including disputes over policy interpretation or allegations of fraud. An attorney can advocate for your rights, challenge a wrongful denial by gathering the necessary evidence, and present a strong case for overturning the denial.
In cases where negotiations and appeals fail to resolve the dispute, you may need to take legal action against the insurance company. Our long-term care insurance claims attorneys are experienced in litigation and can represent you in court, file a lawsuit, and pursue your claim through the legal system.
Our attorneys can work to maximize your benefits by exploring all available options and advocating for additional coverage or services that you may be entitled to under your policy.
While not every long-term care insurance claim requires legal assistance, having an attorney can be valuable in challenging situations, especially when dealing with claim denials, policy disputes, or complex issues.
Our Tampa 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 Tampa 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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