Long-term Care Insurance Claim
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Long-term care insurance provides financial benefits to the elderly and infirm who need nursing care, home care and other health care services to assist them as needed and as provided for in their insurance contracts. This insurance is available outside of government benefits and is critical to the well-being of the millions of people who cannot fully take care of themselves.
Tomlinson Law Group can help establish whether you or a loved one qualifies for long-term care insurance benefits. Our skilled lawyers will fight to enforce the terms of the long-term care policy and get the benefits you or your loved one deserves.
Insurance Types
Tomlinson Law Group has substantial experience handling all types of long-term care insurance policies, including:
While additional services may be offered in your policy, these services are the most common:
Additional services could include: adult daycare services, home modification or adaptation services, and care coordination services. Some policies will cover future services and alternative plans of care. Tomlinson Law Group will help determine the types of services your policy offers and whether certain facilities meet your state’s licensing standards.
One of the biggest difficulties insureds face when applying for long-term care benefits is establishing whether they are unable to perform certain activities of daily living. Tomlinson Law Group can help you make that determination, and properly present it to an insurance company to maximize the likelihood that the claim will be approved.
To qualify for benefits under these policies, you must prove your inability to perform certain “activities of daily living,” which include:
If a healthcare professional can certify that you cannot perform anywhere from 2 or 3 out of these 6 activities (refer to your policy for specifics), you should qualify for benefits.
Cognitive impairments, such as dementia and Alzheimer’s disease, are also qualifiers for benefits under long-term care policies. If you don’t have impairments that affect your ability to conduct your activities of daily living, but you suffer from a cognitive impairment, we can still help you claim your benefits.
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