Long-term care insurance provides coverage for the gaps that exist in between Medicare, Medicaid, and private health insurance. If you or a loved one needs long-term care, you may be forced to bring a claim against this type of policy. Some of these claims are brought against plans regulated under the Employee Retirement Income Security Act (ERISA). Though, many other claims are also brought against individual plans.
Unfortunately, many long-term care claims are unfairly denied. At Roberts Disability Law, our dedicated Daly City long-term care lawyers know just how important it is for families to get full long-term care benefits for a vulnerable loved one. We have the skills and legal knowledge needed to hold the big insurance companies accountable. If your claim was denied, you need to take action now.
Your Daly City long-term care claim should be paid out in the full amount, without any unreasonable delay. Sadly, in many cases, the claims process is far more complex. Wholly valid long-term care claims are rejected by insurance companies for a wide variety of different reasons. If your claim was denied, you need to figure out why that happened. Only when you have a complete understanding of the insurance company’s reasoning will you be able to effectively counter. Under California law and U.S. federal regulations, the insurance company has a legal duty to explain its position in your denial letter. You should be sure to get this denial letter to an experienced Bay Area long-term care lawyer for a comprehensive analysis.
Insurance companies try to make the long-term care claims process as complicated as possible. By using fine print, complex policy language, and other procedural irregularities, they confuse and frustrate applicants. They may even try to use biased doctors, who will not give you or your loved one a fair shake. Our Daly City long-term care attorneys know all of the tricks and strategies used by the insurance companies. If your claim was denied, we can prepare a strong appeal on your behalf to help you get the full benefits that you were promised under the terms of your policy.
At Roberts Disability Law, our top-rated Daly City long-term care lawyers have helped many people get their benefits. If your long-term care claim was denied in Northern California, please contact our office today at (510) 230-2090 to schedule a free review of your case.
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