The need for long-term care can quickly wipe out your savings, and this important fact has prompted many people to invest in long-term care (LTC) insurance. However, when it comes time to file a claim, many insureds are learning the hard way that insurance companies often go to great lengths to deny or reduce benefits.
If you have questions or concerns about a long-term care claim – of your own or a loved one’s – an experienced Berkeley long-term care insurance lawyer from Monahan Tucker Law can help. Contact us today.
While long-term care benefits are most often needed by those who are well beyond the age of retirement, this is by no means always the case. As such, some employers offer LTC coverage as an employee benefit that is designed to attract top employees, and these private policies are regulated by the federal Employee Retirement Income Security Act (ERISA). LTC policies can also be purchased by individuals.
Long-term care benefits cover instances when an individual needs the kind of long-term care that is offered by nursing homes and assisted living facilities, but they can also kick in for individuals who need assistance with the activities of daily living (ADLs) in their own homes. The kinds of activities addressed by ADLs include the following:
Providing thorough and accurate documentation to support the need for care is critical to a successful long-term care claim. An experienced Berkeley long-term care insurance lawyer can help you gather the best evidence available and submit the necessary documents.
While every long-term care policy is specific to its own contractual language, there are certain kinds of benefits that are generally included, such as:
The insurance provider that is handling your claim is in the business of turning massive profits, which means the company is invested in denying your claim outright – if possible – or limiting your benefits. Obtaining the benefits to which you’re entitled is possible, and a seasoned LTC lawyer has the skill and focus to help get the job done.
The compassionate Berkeley long-term care insurance lawyers at Monahan Tucker Law recognize the importance of your LTC claim, and we are committed to zealously advocating for an advantageous resolution that supports your best interests. Your case is important, and we are here to help – so please don’t put off reaching out and contacting us for more information about what we can do for you today.
Our attorneys have decades of experience with insurance litigation and an unparalleled track record of success.
Your trust is important to us. From our first consultation through litigation, we will be transparent with you, and we will hear you every step of the way.
We are one of the rare firms that can provide first-hand knowledge of how your insurer thinks and reacts, and has consistently prevailed in some of the most complex and high value insurance disputes seen in ERISA and non-ERISA litigation.
Our attorneys trained at some of the most aggressive large law firms in the world. Though we believe there are usually better ways to litigate and resolve disputes, our opposition does not always agree. When necessary, we are masters of unrelenting, tenacious litigation. When you hire us, you turn the insurer’s previous weapon against it.
We do this work because we want to be here, for you. We understand what you have been through, and that everyone has times where they need support. One of the strongest steps for yourself and your family is to ask us for help. Together, we’ve got this.
I empathize with you that you find yourself in need of a Disability Insurance Attorney. Stacy Tucker empathized, and compassionately assisted me throughout a very difficult, complicated and drawn-out legal process. I was very satisfied with the result we ultimately...
Stacy Tucker is a knowledgeable, skilled attorney who you want on your side. In a difficult LTD case, with complicating factors, Stacy fought hard to get me the best possible outcome. I was wrongly denied benefits by my LTD carrier...
Excellent attorney! Could not be any better! Stacy helped me with my long-term disability case. After fighting with the insurance company on my own, I was exhausted and frustrated. After the very first conversation with Stacy, I knew I could...
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