Boston Long Term Care Insurance Attorney

Insurance serves a vital role in our economy. It protects us from financial calamity from undesired but predictable events. Insurance companies are in business to make money. Insurers do this by generating more in premiums than they pay out on claims, and by investing premiums in the stock and bond markets. Setting premiums too low, or making unsound stock and bond investments can have dire consequences for an insurance company's ability to pay claims and to still make a profit. Insurance policies designed to cover future, long-term nursing care or home healthcare needs seemed like an ideal way for insurers to generate significant revenue from a large, aging population. Unfortunately, getting old isn't a maybe, it is a given. That has caused a higher incidence of claims than insurance company actuaries predicted. Consequently, valid claims for long-term-care benefits are sometimes denied.

The National Association of Insurance Commissioners (NAIC) has drafted model statutory language to protect purchasers of long-term care insurance. Not all states have adopted these minimal protections. Some states, such as California, have passed legislation protecting policy buyers, but not every state.

Denied Long Term Care Insurance? Claim Terminated?

As an increasing number of elderly policyholders submit claims for long-term care, they are being told by insurers that services they have paid for over the years are not covered by their policy. Insurance companies are inventive in denying claims, claim denials are common and there are many unresolved legal concerns with these insurance plans. Other elderly policyholders have had their claims terminated despite being paid for years.

Carving a path through this relatively new area of law, and a history helping people address ERISA and non-ERISA medical benefits and claim denials, the Boston, Massachusetts, law firm of Jonathan M. Feigenbaum has the knowledge, resources and litigation experience with healthcare benefits and insurance law to help people fight for the long-term care benefits they need and deserve.

Contact our Boston denied long term care insurance attorney today.

Help Understanding Long-Term Care Coverage and Limitations

Created to provide the elderly and disabled with quality care, long term care insurance plans offer a wide array of coverage levels and complexities. It is important for policyholders to carefully review the terms of a long term care policy with a knowledgeable attorney regarding such concerns as:

• Applying for benefits you have diligently paid for
• Choice of at-home care or inpatient care at a nursing home or assisted living facility
• Level of care doesn't limit long-term care to designed providers only
• Services help avoid the need to settle for only state-run nursing home care
• Long-term care insurance does not disqualify them for Medicaid
• 24-hour care is available for home health aides, medical equipment, transportation and other important services

Assistance with Claim Denials for Long-Term Care and Terminated Claims

Denied claims come down to specific policy terms and an insurer's interpretation of the contract terms. Where some policies allow family members providing home care to seek reimbursement for expenses, others require entrusting home care to an outside provider, and even limiting payments for care to designated facilities. Insurers often refuse to pay for related medical necessities like access ramps for a home, transportation services, even wheel chairs and other common equipment. We can help ensure you and your loved ones find the care and support you paid for.

Contact Our Massachusetts Terminated Claim Attorney

From examining long-term care insurance plans to appealing claim denials to handling terminated claims, our firm offers an experienced and caring perspective on choosing the proper course of legal action regarding your long-term care insurance needs. Contact our Massachusetts terminated claim lawyer to schedule a consultation.