Long Term Care Insurance Services

At Steven M. Dunn, P.A., my team and I have successfully assisted hundreds of clients with their long-term care policies. Inevitably, we have been exposed to the countless pitfalls that our clients face, and as a result, we have mastered an effective approach to addressing any and every stage of the insurance claims process.


Thoroughly review and provide a breakdown of your insurance policy

Understanding your policy is an essential tool in managing your care (or the care of your clients) and potentially avoiding a denial down the road. Whether you are looking for a brief description of policy benefits, or a thorough review and breakdown of your insurance policy, we can help.


Discuss and advise you about the provisions of your policy

There are many policy nuances such as elimination period, period of expense, restoration of benefits, and others, that can materially affect your right to benefits under your policy.


Assist with placement decisions; Assisted Living or In-Home Care

Deciding whether to opt for assisted living or in-home care can be a stressful decision, with a lot of factors to consider. We would love to go through these options together. We will help you determine which route you should take, and how to maximize your policy benefits based on these circumstances.


Manage and/or negotiate an initial claim

Negotiating and/or managing an initial claim takes time and expertise. Fortunately, we have both the time and expertise to do this. We are happy to navigate you through the process, collect all of the necessary documentation for a ‘perfect’ claim-submission on your behalf, and manage an ongoing claim for you once it has been submitted.


Appeal an improper denial of a claim

The denial of a claim can have catastrophic consequences. We have successfully overturned hundreds of denials either through direct negotiations with insurance companies or through a lawsuit.


Reinstate policies that have unintentionally lapsed

Due to failing health, many people lose the capacity to manage their affairs, including paying policy premiums. When a policy has lapsed due to non-payment of premium, the consequence is catastrophic. We will work to have your policy reinstated.


We can partner with providers, facilities, and other advocates in processing and managing claims

We can partner with providers, facilities, and other advocates in presenting and processing initial claims and/ or collecting benefits on behalf of clients, so you don’t have to. This alleviates you from much of the headache and burden that comes from claim handling and allows you to focus on providing optimal care and services to your clients.


Apply benefits towards assisted living facilities

Many policies offer only nursing home or home-care benefits. However, staying at home or entering a nursing home may not be your best options. In cases such as this, we have been successful in applying those policy benefits towards assisted living.


If necessary, sue the insurance company to enforce your rights

If your insurance claim has been unjustly denied, our firm may be able to obtain compensation not only for policy benefits, but also for other losses incurred, such as emotional distress and general damages, lawyers’ fees, and other out-of-pocket expenses. In extreme cases, the court may even award punitive damages.

We are ready to help you

Contact us today to arrange a consultation and policy review.

Client testimonials

I was beyond pleased with the outcome of my father’s case. Mr. Dunn and his staff were thorough and left no stone unturned. His team is a pleasure to work with, and I was especially pleased with Gladys, his legal assistant, who was always pleasant and extremely attentive to all of my needs. I cannot recommend Mr. Dunn and his team enough!”

Victoria Castillo- Santa Maria, California

Michael Sachs, the son of Jeanne Sachs, reached out to Mr. Dunn to assist him in getting the insurance benefits of his mother’s long-term care “home only policy” to be used in an assited living facility, so she wouldn’t have to pay out-of-pocket. Mr. Sachs said he was “extremely impressed” with the way Mr. Dunn was able to get his mother her benefits, and is so grateful that he didn’t have to deal with the heavy burden of incurring such costs.

Michael Sachs, Sunrise FL