Finding safe, comfortable, affordable care for seniors is incredibly challenging. Even if you have long-term care insurance, it may not offer the protection you hoped for.
As our population ages, insurance companies are struggling to keep up with long-term care claims. People are living longer, which means more claims and financial strain for insurers. Many companies have stopped selling these policies or significantly reduced the benefits they offer. However, they are still obligated to honor the policies they have already sold, putting them in a tough financial position. They are losing money on these policies and are therefore motivated to deny claims.
While long-term care is commonly associated with retirees and the elderly, the need can arise at any age. To discuss your LTC coverage questions and concerns, reach out for the skilled legal guidance of an experienced San Francisco long-term care insurance attorney.
Most long-term care policies offered by employers are subject to the federal restrictions outlined by the Employee Retirement Income Security Act (ERISA). Individuals can also purchase their own policies.
LTC insurance and the benefits it affords vary from policy to policy, but the kinds of benefits that are generally addressed include the following:
A knowledgeable San Francisco long-term care insurance attorney can help you understand exactly what is covered by your policy and help you seek the full benefits you are entitled to.
Those who are eligible for LTC benefits include policyholders or covered individuals who’ve experienced a condition like the following that requires ongoing assistance or care:
The kind of assistance related to the activities of daily living that generally trigger LTC benefits include the following:
Generally, you must have at least two ADL deficits in order to be eligible for LTC.
The capable San Francisco long-term care insurance attorneys at Monahan Tucker Law are well acquainted with the techniques insurance providers use to deny claims altogether and to provide decreased coverage, and we have the legal insight and experience to fight back. We have an impressive history of helping clients like you obtain the full range of benefits they’re owed, and we’re here for you, too. To learn more about what we can do to help, please don’t hesitate to reach out 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.
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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