- 1050 Marina Village Pkwy.,
Suite 105, Alameda, CA 94501
- (510) 992-6130
- 19839 Nordhoff St,
Northridge, CA 91324
- (818) 886-2525
When you purchase long term care insurance (“LTC” or “LTCI”), it is supposed to pay for the expense of long-term care beyond a predetermined period. A benefit of long term care insurance is that it typically covers care that is not covered by Medicare, Medicaid, or health insurance. Long term care insurance is for individuals who are unable to perform the basic activities of daily living (ADLs). These ADLs include tasks such as toileting, continence, dressing, bathing, eating, getting in and out of a bed or chair, and walking.
Did you know, about 70% of people over age 65 will require at least some type of long term care service?
Many insurance companies sell long term care insurance, but if you actually have a claim, the process can take a long time and be quite frustrating. And unfortunately, individuals who need long term care are not in the position to battle with the insurance company over their denied claim. We believe that insurance companies count on people being too sick and tired to fight them such that they end up with all of the money you paid in premiums but do not have to pay any benefits.
If an insurance company has denied your long term care insurance claim, it is likely based on some inconspicuous language in the policy governing the payment of benefits. The insurance company may be applying plan terms in a manner that saves them money rather than pay meritorious claims. Or, the insurance company may engage in procedural irregularities such as losing documents you send them, hiring doctors who will find in their favor, or failing to inform you of your rights under the policy.
At Kantor & Kantor LLP, we have a combined decades of experience dealing with insurance denials. We know the methods insurance companies employ to deny righteous claims and how to effectively combat them. Because we handle all long term care insurance claims on a contingency fee basis, you do not have to spend any more resources trying to get your claim approved. Let us do the work for you.
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