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Long Term Care Insurance
If you or a loved one have been wrongfully denied Long Term Care (LTC) benefits, you may have legal recourse against the insurance company. We can help you whether your LTC claim involves payment or reimbursement of nursing services, rehab services, long term care, nursing home care or home health services. We can also explore whether the insurer has committed bad faith or otherwise violated Kentucky’s laws and regulations. If so, the insurance company may be liable for damages for mental anguish and / or punitive damages.
The details of Long Term Care insurance policies vary widely. Most policies provide for a per diem benefit payable for a limited duration, such as up to 3 or 5 years. Ideally, the policy contains a broad list of Activities of Daily Living (ADL’s) with coverage triggered by the insured’s inability to perform a given number of ADL’s, and a premium waiver in the event that benefits become payable.
While the LTC insurance company was happy to sell you the policy and collect its premiums, it may take a different approach when presented with a claim. We expect LTC claims to become even more difficult, as insurers are faced with the combination of increasing health care costs and plummeting investments.
For a free initial consultation, call attorney Will Driscoll at (502) 587-5052 or toll free at 1-877-587-5052.
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