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Has your insurance coverage declare for long-term care been wrongfully denied? Our attorneys will help.
Lengthy-term care insurance coverage is an insurance coverage product that provides protection for care that may be expensive and that’s sometimes not lined by non-public well being care insurance coverage or authorities packages comparable to Medicaid.
Personal medical insurance and authorities packages sometimes solely cowl expert nursing care. Lengthy-term care insurance coverage covers care that’s obligatory for an individual to dwell independently and nonetheless preserve high quality of life. This care includes actions of each day dwelling, or ADLs, comparable to bathing, dressing, making ready meals, strolling and different each day actions. Lengthy-term care insurance coverage can present protection that retains aged or frail adults of their properties, relatively 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 will help you perceive your rights and choices. Contact us in the present day 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 gives reimbursement as much as a set quantity every day, comparable to $100 or $150, for suppliers to help with actions of each day dwelling in a policyholder’s dwelling and even in an establishment. To be lined, the policyholder should be disabled throughout the which means of the coverage, comparable to somebody who can now not carry out actions of each day dwelling (ADLs) or somebody who has a cognitive impairment.
As attorneys dealing with insurance coverage declare denials, now we 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 influence if the policyholder has to enter a talented nursing facility after deteriorating at dwelling. We would like our purchasers to obtain the care that they’re entitled to, and to remain of their dwelling or preserve the highest quality of life attainable, 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 Immediately
When you or somebody you’re keen on has been denied protection for long-term care, contact Donahue & Horrow, LLP, in the present day to arrange a session. We work on a contingency foundation — we is not going to be paid except we get hold of an insurance coverage settlement for you. We’re keen to talk to you even earlier than a declare has been denied you probably have questions on long-term care insurance coverage.
Los Angeles Lengthy-Time period Care Claims Disputes Attorneys
Serving all of California. When you or somebody you’re keen on has been denied protection for long-term care, contact Donahue & Horrow, LLP, in the present day to arrange a session. We work on a contingency foundation — we is not going to be paid except we get hold of an insurance coverage settlement for you. We’re keen to talk to you even earlier than a declare has been denied you probably 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 whole shock. I puzzled 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 arduous work. I do know Michael couldn’t have accomplished what he did with out you. You could have been so helpful by this complete course of. It’s individuals such as you that make individuals like me consider. 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’re 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 could have been so useful, and sort, and so supportive, and…
Thanks Nichole, for all you may have accomplished on my behalf. There aren’t sufficient phrases (at the very least in my vocabulary) to precise my gratitude.” — RS
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