Long-Term Care Insurance Attorneys in Los Angeles
Call Long-Term Disability Attorneys in Los Angeles
Living with a long-term disability requires a level of preparation and knowledge that most people don't need to learn. That's where our firm comes in. Our Los Angeles long-term disability lawyers help our clients navigate the long-term care industry to make sure they have everything they need to thrive and move forward. Part of that is helping our clients file LTC claims, learn what constitutes eligibility for LTC care in the first place, and draft a plan of care.
One of the worst fears anyone with a long-term disability faces is the discontinuation of their care. Our work ensures that you'll always be prepared with the documents and counsel you require to receive uninterrupted and affordable assistance. In the event that your long-term care insurance claim is denied, we can file an appeal quickly, getting your case resolved as soon as possible.
Call (818) 495-8298 as soon as possible to learn how we can help you.
What Is Long-Term Care Insurance?
Long-term care insurance is purchased to help cover costs related to:
- Assisted living
- Nursing homes
- Home health care
- Adult day care facilities
- Other services related to the care of seniors
How Is Coverage of Long-Term Insurance Triggered?
Coverage is triggered when the insured individual is not able to perform at least two of six activities of daily living without the assistance of another person. Coverage can also be triggered if a determination is made from a medical standpoint that the insured is a danger to themselves or others due to a mental condition or cognitive decline.
Our Los Angeles long-term care insurance attorneys can help you submit your LTC claim. Call The Disability Specialists today at (818) 495-8298 or fill out our online contact form to schedule a free consultation and get started today.
Most insurance companies require that the assisted living facility or nursing home chosen to provide long-term care meet their criteria for the eligible care provider.
In most cases, the long-term care insurance policy will require that the facility have the appropriate personnel and care, in addition to a specific license. If the facility chosen does not meet your insurance company’s criteria, your claim is likely to be denied.
What Are the Six Basic Activities of Daily Living?
LTC policies require that in order for a person to be covered, they must be medically proven to be unable to perform at least two of the six basic Activities of Daily Living. These activities include:
- Eating
- Bathing
- Dressing
- Toileting
- Mobility
- Personal hygiene
Is A Plan of Care Required for a LTC Claim?
Most insurance companies will require that insured present a written Plan of Care when filing a long-term care insurance claim. If a Plan of Care is not provided the claim will most likely get denied.
However, having a Plan of Care does not mean that you will be automatically approved. If the Plan of Care is not well written, the insurance company may disregard it and deny your claim.
The process of submitting a LTC claim can be overwhelming, especially when dealing with a medical condition or cognitive difficulties. An experienced insurance benefit attorney can be of great help in assisting you to complete this process quickly and efficiently.
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If you are having difficulty with submitting your LTC claim, or if you are facing a denial of benefits by your insurance company, contact The Disability Specialists for a free consultation.
