In my years of handling Long Term Care Insurance claims, I have seen several issues cropping up on a regular basis. The first issue I dealt with of course, was my father's case in which John Hancock Insurance Company refused to cover the cost of care my father received in an Assisted Living Facility (ALF). Since that time, we have been successful in many cases against several insurance companies on the same issue-whether a "home care" policy, should cover the cost of care in an Assisted Living Facility. We have had this issue with … [Read more...]

The first step is to get a lawyer who understands the insurance policies, the insurers who sell them,  and the laws and administrative codes that regulate them. The lawyer should make a demand for the company to honor your claim. If the denials persist, then the attorney should file an action against the insurance company and represent you in court. The lawyer will have to lay out for the judge why the policy is not written with clarity, or if it is clear be prepared to show the judge why the individual should be getting the benefits covered … [Read more...]

In the past five years I have assisted hundreds of individuals who have had problems with their long term care insurance. I have also assisted home health agencies, nurse registries and assisted living facilities in cases where their services have been denied by insurance companies. If you are an individual who has a problem with your long term care insurance company or are curious about what your policy provides for you, or if you represent an assisted living facility, registry, or home health agency, click on the buttons to the right and … [Read more...]

The blog is set-up to inform the public of the issues surrounding long-term care insurance, the difficulties people are having with their insurance company, and how to deal with it. Please visit the long-term care blog....your comments and input are welcome! … [Read more...]