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When To Hire a Long Term Care 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. If your insurance company delays or denies payment of insurance proceeds, you may need the help of a qualified Dallas long-term care insurance attorney from Grisham & Kendall, PLLC.
Our large hotel was severely damaged by hail. After significant delays by the insurance company, our claim was denied. We hired Bill Kendall and Grisham & Kendall soon after. Through Bill’s efforts during our lawsuit, we were able to reach a favorable settlement close to trial. We would certainly recommend Grisham & Kendall, PLLC to any property owner whose insurance company isn’t treating them fairly.D. Patel – Hotel Hail Claim
My wife and I thought we were heading into a complicated legal odyssey with a destroyed commercial property until we hired Bill Kendall. His sustained focus and hard work was so effective that we had a great settlement within hours of the first deposition.F. Jones – Multi-Family Property Claim (Dallas, TX)
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.
Contact a Long Term Care Insurance Attorney in Dallas
Premiums for this type of insurance are generally very expensive. If your long-term care insurer has wrongly delayed or denied your claim for benefits in your time of need after faithfully paying your insurance premiums for years, please call the Dallas long-term care insurance lawyers of Grisham & Kendall, PLLC at (214) 308-2027 to discuss your case. The initial consultation is free, and we work with the majority of our clients on a contingency-fee basis where you don’t owe us anything unless we make a recovery from your insurance company through settlement or litigation.