Berkeley Long-Term Care Insurance Lawyer

Berkeley Long-Term Care Insurance Lawyer

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.

Long-Term Care Coverage

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:

• The ability to dress oneself
• The ability to prepare one’s own meals
• The ability to feed oneself
• The ability to use the toilet
• The ability to get in and out of one’s own bed or chair

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.

The Benefits Afforded by LTC Coverage

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 expense of a nursing home or assisted living facility
• The cost of in-home care for assistance with the activities of daily living
• The cost of modifications to your home that allow you to continue living in it
• The cost of assistive devices that make remaining in your home possible

Advocating for Your Rights

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. 

You Need an Experienced Berkeley Long-Term Care Insurance Lawyer on Your Side

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.