Many long-term care insurance policies contain provisions specifically designed to limit the responsibility of the insurance company or are drafted in a manner that makes it more difficult for policyholders to obtain the coverage and compensation they should be entitled to. It is therefore essential that policyholders’ rights are protected against bad faith insurance practices designed to make it more difficult for individuals to receive the long-term care benefits they are due.
PROTECTING YOUR BENEFITS
Leader, Leader & Zucker, PLLC is experienced in dealing with insurance companies. We know health care and, more specifically, long-term care, inasmuch as our founding partners have worked in the long-term care arena for over 40 years.
Our attorneys are innovative, skilled, experienced, knowledgeable and aggressive. We have vigorously advocated for our clients’ rights against unfair treatment by insurance companies in a countless number of cases. The following is a list of insurance companies with which you may have a long-term care insurance policy for which you are not getting the benefits you deserve. In many instances, WE CAN HELP and at NO COST to you!
|Aetna||Allianz||American Republic||Bankers Life and Casualty|
|Berkshire Life||Conseco||Continental Casualty Company (CNA)||Genworth (GE)|
|John Hancock||Knights of Columbus||Mass Mutual||MedAmerica|
|MetLife||Mutual of Omaha||Northwestern||New York Life|
|Penn Treaty American||Prudential Financial||State Farm||Unum|
Our background and experience assists us in promptly evaluating your claim and identifying potential shortcomings of your insurance company in the manner they have handled, and often improperly denied your claim. At Leader, Leader & Zucker, PLLC, we are well-versed in the specific procedures involved in pursuing a claim and protecting our clients’ rights under state and federal law. We work tirelessly in order to help policyholders obtain the full limits of long-term care insurance coverage to which they are entitled.
TURN TO EXPERT LONG-TERM CARE ATTORNEYS FOR HELP
There are all sorts of technical legal and/or medical issues in which a long-term care insurance company may attempt to use to deny coverage. For example, some may provide coverage only for specific kinds of treatment and contest requests for in-home care or assisted living based on their hired consultant’s opinion that you do not meet the necessary need for assistance with activities of daily living.
Sometimes it is based on your doctor’s notes, or orders that intend for you to get the treatment but are not written properly. Instead of asking your doctor for further clarification, or to add necessary information or advising you that is all that may be needed, they sometimes merely deny the claim. Your claim for long-term care insurance benefits may also be denied if the insurance company determines that you made the slightest error in a certain step of the process– sometimes as petty as how you filled out a form. Although, they may try to deny coverage on such a basis, it is often not legally justified and can be successfully challenged.
The insurance company knows that once it denies a claim, a large percentage of people will merely accept the denial, thus allowing the company to get off the hook completely for substantial benefit they owe you and/or your family. They know most claimants are not experts in medical or insurance facts and laws that apply, but Leader, Leader & Zucker, PLLC has the knowledge, skill and experience to combat these improper denials on your behalf.