Oakland Long Term Care Insurance Claims Lawyer
Experienced Long Term Care Insurance Claims Attorneys In Oakland, CA
If you are like many today, you may have invested in long-term care insurance to offset the future costs of a nursing home or home health care. Unfortunately, we have seen far too many who have trusted that those benefits would be there when they needed it only to get denied when they submitted a claim for benefits. Our Oakland long term care insurance claims lawyers can help.
At Pillsbury & Coleman, LLC, we are experienced Oakland long term care insurance claims lawyers who have dedicated our careers to holding large insurance companies accountable to their policyholders. For over three decades, we have gone up against some of the nation’s largest insurance companies to force them to pay the benefits that they were contractually obligated to pay. If you have been denied benefits from your long-term health insurer, let us go to work for you.
Few people are able to pay for the enormous costs of long-term care out of pocket. This was the whole point of long-term care insurance. While insurance companies have sold many of these policies over the years, now, with policyholders aging and needing benefits, insurance companies are finding ways to minimize their financial exposure. In many cases, these are purely in bad faith.
Insurance Is A Profitable Business
Insurance companies bank on taking in far more in premiums than they have to pay out in benefits. But in the case of long-term care, particularly, policyholders are aging as costs are skyrocketing. Although these companies have tried to keep up by charging ever more expensive premiums, they now see that their anticipated large profits are dwindling.
In the meantime, elderly adults, often on fixed incomes, may have struggled for years to afford their premiums so they could have these benefits when they needed them. As experienced Oakland long term care insurance claims lawyers, we see these individuals get denied the benefits they deserve by an industry that is more concerned with large profits than policyholders.
Common Reasons For Denials
Insurance companies are taking extra care to find ways they may deny claims in the interest of protecting their profits. Our Oakland long term care insurance claims lawyers frequently see insurance companies deny valid claims with the following excuses:
- Unpaid premiums led to a coverage lapse
- The facility or provider is not covered under the policy
- The services that the providers offer are not covered under the policy
- The policy requires hospitalization or nursing home confinement to pay benefits
- The policy doesn’t cover “personal care”
- The patient is able to perform some limited activities of daily living
And other standard excuses. If your insurance company is trying to limit your benefits or deny them altogether, we may be able to help.
Understanding Your Coverage
In the state of California, there are different types of long-term care insurance. While some specifically cover nursing home and residential care facilities, others may only cover home care scenarios. Each of these policies can limit who cares for you and what benefits they will pay for. Comprehensive policies will consider both residential care scenarios as well as home health care scenarios.
Each policy will be different in their coverage. It’s critical to understand what kind of coverage you have and what you can legally expect in the way of benefits and under what conditions you will be eligible.
At Pillsbury & Coleman, LLC, our team of Oakland long term care insurance claims lawyers have spent our careers holding large insurance companies accountable for paying the benefits that their policyholders are entitled to under the terms of their policies and California’s insurance laws. When you have trusted that your benefits will be there for you when you need them, you should not have to fight the insurance company every step of the way.
Getting The Legal Help You Need
Because of the increasing costs of long-term care and the aging of our society, we see insurance companies using more tactics than ever before to deny benefits to their policyholders. If you have run into problems getting benefits under your long-term care policy, contact the experienced Oakland long term care insurance claims lawyers at Pillsbury & Coleman, LLC to discuss how we can help.