Long Term Care Insurance Claim Attorney
Long-term care insurance serves as supplemental insurance to the health insurance you may already have. Typically, middle-aged adults will have purchased long-term care insurance to guarantee that their care needs will be met when they get older. Long-term care insurance is specifically designed to cover the cost of care associated with the issues people are likely to encounter as they get older. These issues can come in the form of requiring assistance with activities of daily living such as feeding, bathing, dressing, continence, and transferring. The policies can also cover the cost of care and supervision associated with cognitive impairment. This form of insurance also covers different care settings, including home care, assisted living, and nursing homes.
Long-term care insurance claim attorney Steven M. Dunn along with attorney Kevin Dunn empathetically and compassionately help those who have had their long-term care insurance claims denied or have, through no fault of their own, had their policies lapse. The long-term care claims attorneys fight for the elderly to ensure they maintain their dignity and get the benefits they deserve.
Background on Long Term Care Insurance
Nobody knows what the future has in store for them. The questions of how we will age and how long we will live concern everyone. For most people, the uncertainty of aging is a scary thing to think about. This issue certainly was at the forefront of the planning for people who have purchased long-term care insurance. People who purchase long-term care insurance realize that while we do not know what the future has in store for us, we know that we want to ensure that our care needs are covered no matter how we age.
Long-term care insurance was marketed and sold as a mechanism to pay for the exorbitant and escalating costs of long-term care. These policies come with a variety of different coverages and benefits. While not every policy provides the same coverages, some of the more prevalent coverages include home care, assisted living, and nursing home care. The policies also cover a variety of ancillary coverages, including home modifications, durable medical equipment, and homemaker services.
If understood and used correctly, long-term care insurance policies can be an important tool for aging gracefully and with dignity.
If you or a loved one are having problems accessing their long-term care insurance benefits or just want a better understanding of how the policy works, call a long-term care insurance attorney today.