Long-term care insurance is designed to help cover the healthcare needs of those with long-term health concerns, which are often associated with aging. As the age expectancy increases, the number of people who will ultimately require long-term care increases. Long-term care insurance helps cover the immense expense associated with in-home health care, assisted living, and nursing home care. While long-term care is commonly equated with the elderly, a serious injury or illness can strike at any age, and this form of coverage is becoming more and more common.
If you have questions or concerns about your long-term care claim, don’t wait to consult with an experienced long-term care insurance lawyer near me.
Long-term care (LTC) insurance is private insurance that many people purchase for themselves. Some employers, however, also offer benefits like LTC coverage to help them attract and retain quality employees, and when they do, the Employee Retirement Income Security Act (ERISA) implements important federal restrictions that are designed to protect the rights of the employee recipients.
Those covered by LTC insurance who are eligible for the benefits offered generally fall into the following categories:
When it comes to the activities of daily living – also called ADLs – the deficits that tend to qualify a person for long-term care benefits include those requiring more serious assistance, including the following examples:
While claims vary, most require a minimum of two ADL needs before LTC benefits apply.
LTC policies vary considerably, and as a result, so do the benefits they offer. The basics when it comes to benefits, however, tend to include the following:
While long-term care insurance can help those with serious injuries or illnesses and those who need additional care to continue living in their homes, it doesn’t cover mortgage payments or the costs associated with everyday living.
At Monahan Tucker Law, our compassionate long-term care lawyers are committed to fiercely advocating for our clients’ rights and best interests, and we’re here for you too. The outcome of your claim is important to your future, so please don’t wait to learn more by contacting us 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.
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