When To Hire a Long Term Disability Insurance Attorney
As the United States population as a whole grows older, and more of the approximate 70 million baby boomers enter retirement, the issue of long-term care coverage is increasingly becoming an important matter for many people. Long-term care generally refers to hands-on assistance provided for an extended period of time to people who can’t take care of themselves due to a prolonged disability, illness, cognitive impairment such as Alzheimer’s disease, or some other debilitating condition.
A person generally qualifies for long-term care when a physician or other health professional certifies that you are unable to independently perform at least two ADLs (activities of daily living), such as bathing, dressing, eating, transferring to or from a bed or chair and continence. Long-term care insurance usually provides for the cost of a nursing home, an assisted living center, or home health care.
Long Term Disability Lawyer Near Me
If your insurance company delays or denies payment of insurance proceeds, you may need the help of a qualified long term disability insurance claim lawyer from Grisham & Kendall, PLLC.
Reasons Given by Insurers to Delay or Deny Long Term Care Benefits
When a long-term care insurance provider denies coverage, there are many reasons they may use to do so, depending on your policy, including:
- Ineligible care provider (e.g., policy requires that facility have a specific license and specific personnel and care)
- No prior hospitalization (typically, older policies have wording requiring policyholders to have had hospitalization confinement, a nursing home stay, or both before claims are paid)
- No benefits for personal care
- Failure to pay claims due to cognitive impairment
- Absence of required ADLs (activities of daily living)
When vulnerable populations who both need and have paid for these services are denied access to them, it cannot be allowed to stand. If you or a loved one was denied long term disability, contact the long term disability denial attorneys at Grisham & Kendall today for a free consultation.
See also:
Long Term Disability Attorney Dallas
Long Term Disability Attorney Houston
