Let A Long Term Care Insurance Attorney Fight for You

If you purchased long term insurance coverage, chances are you’re finding that collecting on your policy is more difficult than you thought it would be. In fact, it’s been reported that many insurance companies don’t respond to complaints in the hope that claimants will simply go away or die. That sounds harsh, but the truth of the matter is that many insurers didn’t realize how much health care costs would rise and now can’t afford to pay what they agreed upon. It’s no wonder that many consumers feel frustrated, ignored and just want to give up. But we say…

Don’t Give Up!

Policyholders should not give up if their claims have been denied. Write a letter to the insurer confirming the denial of coverage and keep a copy in your file if you eventually have to file a lawsuit. Many insurers, such as Conseco, Bankers Life & Casualty and Penn Treaty American, have admitted to handling claims poorly and are settling claims in record numbers. As we all know, dealing with insurance companies can be difficult, tiresome, frustrating which is why having an attorney who understands long term care insurance and can intervene on your behalf can make all the difference. Even if you’re able to settle your case without going to court, you’ll still benefit from the negotiation skills of an experienced attorney.

Tips on Finding the Right Attorney

When seeking legal assistance, here are some tips that will help you find the right attorney to handle your complaint:

Experience. Make sure that the attorney you hire knows the insurance industry, especially bad faith litigation, and has specialized experience with long term care claims.
Location. Each state has different insurance laws which they must follow. Hiring an attorney who practices in the same state as the insurer will make the process easier.
Fees. It’s important to know that some attorneys charge fees for their service up front. If that’s not an option for you, look for an attorney who will take on a case and not charge for their services until you receive compensation. There are many.

Case Studies: Overcoming Long-Term Care Insurance Claim Challenges

Case Study 1: John’s Denied Claim

John, a policyholder who purchased long-term care insurance, recently had his claim denied by his insurance company. Frustrated and unsure of what to do next, John decided to seek legal assistance. He hired an attorney who specialized in long-term care claims and had extensive experience with the insurance industry.

The attorney helped John write a letter to the insurer confirming the denial and kept a copy for future reference in case a lawsuit was necessary. With the attorney’s intervention, the insurance company eventually settled the claim in John’s favor, providing him with the coverage he deserved.

Case Study 2: Sarah’s Successful Negotiation

Sarah, another policyholder facing challenges with her long-term care insurance claim, chose a different approach. She decided to work directly with an experienced attorney who had a deep understanding of the insurance industry and bad-faith litigation.

The attorney skillfully negotiated with the insurance company on Sarah’s behalf, using their expertise to ensure a fair settlement without the need for a lawsuit. Sarah benefited greatly from the attorney’s negotiation skills and received the compensation she was entitled to, avoiding the additional stress of a court battle.

Case Study 3: Mark’s Attorney in a Different State

Mark, residing in one state, found himself in a dispute with his insurance company based in another state. Aware of the differences in insurance laws across states, Mark sought out an attorney who practiced in the same state as the insurer.

This decision proved beneficial, as the attorney’s familiarity with the local laws simplified the process and facilitated effective communication with the insurance company. Mark’s attorney was able to navigate the complexities of the case, ensuring that Mark’s rights were protected and increasing the likelihood of a favorable outcome.