After paying premiums for years you finally file a claim ... and now the company won't pay.
At age 93, Rudolph passed away a few months ago. His last years were spent in a nursing home in Hosmer, SD. Rudolph had purchased nursing home insurance in case he ever needed help later in life. He didn't want to be a burden to his children. As it turned out, he did need help. His insurance company paid for his nursing home care for three years, but then abruptly wrote Rudolph a letter saying his benefits were being cut off. They wrote the same letter to a lot of other people living in nursing homes. When we found out about it, we sued them, and as soon as we sued, the company started paying again. Unbelievable? We think so. Rudolph should not have had to spend the last year of his life hiring lawyers and fighting insurance companies.
This website is designed to provide free information to elderly policyholders, their families, and care providers, in an effort to help get your claim paid without having to hire a lawyer. If you don't find the answer on this website, we also provide whatever help we can by phone or e-mail, and we don't charge for it.
You are not alone. Many people are in the position where their own insurance company unreasonably
denies or delays payment of claims. We give you tips on what to look for in your own policy to understand and deal with the insurance company arguments.
Who are we, and why give free help? You can visit our main website at www.abourezklaw.com and learn more about that.
Meanwhile, here are articles we have written which may help you get your long term care insurance claim paid.
- The 5 first steps you need to take after your insurance company denies your claim
- Common benefit triggers in the insurance policy which qualify a policyholder for coverage
- How to research your insurance company
- Activities of Daily Living (ADLs) defined
- How to file a complaint with your state's Department of Insurance
- Common insurance company bad faith practices and/or common reasons for denial and what to do about it:
- What is 'Post Claim Underwriting'
- 10 things you should know about your insurance company
- Frequently asked questions
- Glossary of Terms
