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Long Term-Care Insurance Policy Applications, Claims & Denials

Get Your Plan In Place

Long-term care is an important consideration for you or your loved one. Long-term care assistance can help with disability, old age, or various other circumstances. Our specialized team can help walk you through understanding the process of choosing a policy, making a claim, application denials, and more.


The Basics of Long-Term Health Insurance

Long-term care can range from assistance with basic activities to skilled medical care from professionals.

When it comes to long-term care, Medicare may cover a brief stay in a nursing home or limited at-home care, but may not meet the needs of an individual who needs long-term assistance.

Long-term care insurance policies have a variety of coverage options - choosing a flexible one is a good idea since you are unable to predict your future care needs. Some policies cover day care, care coordination, and may even help cover costs associated with needed modifications to your home.

Who This Service is For

A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, disability or disorder such as Alzheimer's disease. Most policies will reimburse you for care given in a variety of places, such as your home, nursing home, or assisted living facility.

Important Considerations for Long-Term Insurance

Age & Health

Often it is best to purchase long-term care insurance when you are younger. If you are older or have a health condition, coverage may cost more. 

Policy Premiums

If you have financial difficulties or a low income, spending thousands on a policy may not make sense. Medicaid may be a better option for the foreseeable future. 

Nearby Support

Do you have nearby family or friends who may be able to provide for your long-term care? Consider what they could offer. 

Built-Up Savings

Our attorneys can help you understand how your long-term care expenses may impact your savings and investments. 

Speak with an experienced lawyer:

Claims & Denials

Understand the type of care you may qualify for based on your chosen policy.

It can be difficult to find a major medical health provider that accepts long-term care insurance, since most insurance companies downgrade their fees to nominal payments. However, LTC companies are much more open to accepting payments from long-term care insurance.

Many insurance providers will even provide a care coordinator who can help you understand your benefits and choose a medical provider who will accept your policy's requirements.


Want to Learn More?

According to the U.S. Department of Health and Human Services, 70% of 65-year-olds will use some form of long-term care. Regular health insurance doesn’t cover long-term care, and Medicare covers only short nursing home stays or limited amounts of home health care requiring skilled nursing or rehab. It does not pay for custodial care, which includes supervision and help with day-to-day tasks.

If you don’t have insurance to cover long-term care, you’ll have to pay for it yourself. You can get help through Medicaid, but only after you’ve exhausted most of your savings.

People buy long-term care insurance for two reasons:

  1. To protect savings. Long-term care costs can deplete a retirement nest egg quickly.
  2. To give you more choices. If you have to rely on Medicaid, your choices will be limited to the nursing homes that accept payments from the government program.

Buying long-term care insurance might not be affordable if you have a low income and little savings. The National Association of Insurance Commissioners says some experts recommend spending no more than 5% of your income on a long-term care policy.