Seattle Long-Term Care Insurance Lawyer

Seattle Long-Term Care Insurance Lawyer

Over the years, long-term care (LTC) insurance coverage has generated more and more consumer interest. As our population ages, insurance companies are overwhelmed by the rising number of long-term care claims. Many insurers have stopped selling these policies or drastically reduced the benefits they offer. However, they are still obligated to honor the policies they have already sold, even if it puts them in a financial bind.

At Monahan Tucker Law, we understand the challenges you face when filing a claim for long-term care benefits. We have the skills and tenacity to guide you through this complicated landscape. If you or someone you love has an LTC claim, turn to an experienced Seattle long-term care insurance lawyer for the help you need. 

Long-Term Care Coverage

Long-term care insurance is designed to cover care requirements that are ongoing or long-term. This form of care is most often required by the elderly, but younger people are by no means immune to this need. Every LTC policy’s benefits and limitations are specific to the policy at hand, but the kinds of benefits that are generally covered include the following:

• Residency in an assisted living facility or nursing home
• In-home care related to the activities of daily living (ADLs) 
• Home modifications designed to accommodate remaining in the home
• Adaptive physical devices designed to accommodate remaining in the home

Providing sufficient evidence of the need for these services or accommodations is vital to obtaining benefits. When you work with a Seattle long-term care insurance lawyer, they can help you understand the documentation that is needed to submit a successful claim.

Eligibility for Long-Term Care

Eligibility for LTC benefits is often based on a serious condition that leaves you unable to continue providing your own care or an inability to perform two or more activities of daily living. The kinds of issues that generally will qualify for long-term care include the following:

• A significant physical or mental disability
• A chronic illness
• A debilitating cognitive impairment, such as those associated with Alzheimer’s

The basic categories of activities of daily living related to eligibility include:

• Continence and toileting 
• Personal hygiene
• The ability to prepare your own meals and feed yourself
• Ambulation and transference – or getting in and out of your own bed or chair
• Getting yourself dressed

Protecting Your Claim

If you have long-term care needs and have LTC coverage, it’s important to know that receiving the benefits to which you are entitled is not a given. Insurance companies do what they can to keep benefits low, and LTC insurance providers are no exception. This is why one of the most important steps you can take in pursuit of an LTC claim for yourself or a loved one is reaching out to the professional legal counsel of a reputable Seattle long-term care insurance lawyer early in the process. 

Experienced Seattle Long-Term Care Insurance Lawyers Care about Your Claim

The practiced Seattle long-term care insurance lawyers at Monahan Tucker Law care about you and your claim and are well-positioned to help you successfully navigate the path to receiving the benefits to which you’re entitled. Obtaining fair benefits can make a considerable difference in your and your family’s future, and we’ll leave no stone unturned in our quest to help. For more information about what we can do for you, please don’t wait to contact us today.