Long Term Care Law Office Blog

Restoration of benefits: The golden-ticket to extended benefits?

Dec 7, 2016   written by Kelsey Dunn

Some people have lifetime polices, which essentially never “expire”-as long as the insured keeps the policy active by paying the premiums. The majority of people though, have limited-time policies. In order to maximize these limited-time policies, it is crucial to understand how to utilize and maximize their features in order to fully benefit the policyholder.
One of the most crucial yet overlooked policy features is called restoration of benefits. Perhaps the most important characteristic of this “restoration of benefits” feature is its ability to essentially transform a limited time policy into a perpetual policy, when used properly.



The Importance Of Following a Plan Of Care (And Why It Doesn’t Always Happen).

Nov 4, 2016   written by Steven Dunn

A serious issue that I have encountered in the long term care world is when an insurance company undercuts a plan of care for an insured person. Oftentimes, even though a plan of care has been approved by an insured’s physician, the insurance company will disagree with the amount of care hours assigned. This is probably one of the biggest problems in the industry because there is a lot at stake for everybody.

Allow me to explain.

Nurse Regestries & Agencies: How to Increase Revenue Stream and Quality of Service

Sep 29, 2016   written by Kelsey Dunn

Many of my registry clients are told that their policy benefits have been maxed out. Consequently, when registries or agencies are no longer getting paid by the insurers, they look to their clients to step in and pay. In many cases, these clients cannot afford to pay, and more often than not, the registry or agency will stop providing care, and essentially lose their client as a result.

This happens primarily for two reasons: