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Has your insurance coverage declare for long-term care been wrongfully denied? Our lawyers can help.
Lengthy-term care insurance coverage is an insurance coverage product that gives protection for care that may be expensive and that’s sometimes not coated by non-public well being care insurance coverage or authorities packages corresponding to Medicaid.
Non-public medical insurance and authorities packages sometimes solely cowl expert nursing care. Lengthy-term care insurance coverage covers care that’s crucial for an individual to stay independently and nonetheless keep high quality of life. This care entails actions of every day dwelling, or ADLs, corresponding to bathing, dressing, getting ready meals, strolling and different every day actions. Lengthy-term care insurance coverage can present protection that retains aged or frail adults of their houses, moderately than permitting them to deteriorate to a situation that requires expert nursing in a nursing dwelling or different medical facility.
In case your declare for long-term care advantages has been denied, a lawyer at Donahue & Horrow may help you perceive your rights and choices. Contact us today for a free session. We serve purchasers within the Los Angeles space and statewide all through Southern and Northern California.
Limits of Lengthy-Time period Care Protection
Lengthy-term care insurance coverage sometimes offers reimbursement as much as a set quantity every day, corresponding to $100 or $150, for suppliers to help with actions of every day dwelling in a policyholder’s dwelling and even in an establishment. To be coated, the policyholder should be disabled throughout the that means of the coverage, corresponding to somebody who can not carry out actions of every day dwelling (ADLs) or somebody who has a cognitive impairment.
As attorneys dealing with insurance coverage declare denials, we now have seen insurers deny long-term care protection for individuals affected by Alzheimer’s or dementia and in different cases the place policyholders or their relations are unaware of their rights beneath the coverage.
At Donahue & Horrow LLP, we assert the policyholder’s rights to protection beneath the coverage as a result of we perceive the bodily, emotional and monetary impression if the policyholder has to enter a talented nursing facility after deteriorating at dwelling. We wish our purchasers to obtain the care that they’re entitled to, and to remain of their dwelling or keep the very best quality of life potential, particularly after they have bought an costly long-term care coverage for this very cause.
For A Free Session With Skilled Lengthy-Time period Care Insurance coverage Declare Attorneys, Contact Donahue & Horrow At this time
Should you or somebody you’re keen on has been denied protection for long-term care, contact Donahue & Horrow, LLP, at this time to arrange a session. We work on a contingency foundation — we is not going to be paid until we get hold of an insurance coverage settlement for you. We’re prepared to talk to you even earlier than a declare has been denied if in case you have questions on long-term care insurance coverage.
Los Angeles Lengthy-Time period Care Claims Disputes Attorneys
Serving all of California. Should you or somebody you’re keen on has been denied protection for long-term care, contact Donahue & Horrow, LLP, at this time to arrange a session. We work on a contingency foundation — we is not going to be paid until we get hold of an insurance coverage settlement for you. We’re prepared to talk to you even earlier than a declare has been denied if in case you have questions on long-term care insurance coverage.
“I’m certain you heard the information. Wow, what an expertise! I used to be completely overwhelmed with the method, emotionally bankrupt. On the finish of the day, I believe I used to be in complete shock. I questioned round in an emotional daze for hours. The excellent news, I woke as much as a Model New Day. I haven’t seen this sort of day in years. Simply thought I’d share that with you.
I additionally need to thanks for all of your onerous work. I do know Michael couldn’t have performed what he did with out you. You’ve been so beneficial by way of this complete course of. It’s individuals such as you that make individuals like me imagine. Your work is spectacular however, what I really feel you signify as a human being is most spectacular. I felt you holding my hand, and I’m grateful to you for that. You might be wonderful. You had been on the pulse of the case always. Not as soon as did I really feel that I wanted to speak to Michael for clarification (a primary for me, particularly, within the authorized world). You’ve been so useful, and sort, and so supportive, and…
Thanks Nichole, for all you’ve gotten performed on my behalf. There will not be sufficient phrases (no less than in my vocabulary) to precise my gratitude.” — RS
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