Unfair Denial or Delay of Long-Term Care Insurance Claims
Over 100,000 people in Arizona had the foresight to purchase long-term care insurance. Although contracts differ, usually long-term care insurance promises monies for care that a person needs as they get older. The in-home care coverage allows people to stay in their own homes by providing monies to pay for personal care services such as assistance with bathing, dressing, and feeding. The State of Arizona does not require these services be provided by a licensed home health agency. Unfortunately, some insurance companies ignore Arizona law and their own policies and require these services to be provided by a licensed home health agency. These insurance companies’ wrongful acts have lead to unreasonable denial of claims, delayed payment of claims, and insureds receiving less personal care services.
Goldberg & Osborne represents consumers in many types of insurance disputes, including disputes involving long-term care insurance coverage. The area of long-term care insurance became personal when one of our attorneys recently helped not just one, but two family members who had problems with their long-term care insurance companies. It was clear to us that the requested services for in-home, non-medical personal care were covered by their insurance policies and that both insurance companies’ insistence that the insureds go through a licensed home health agency violated Arizona law. However, claims for those services were wrongfully denied by the insurance companies. It was a long, tough fight, but we prevailed and the insurance companies paid for the services the family members needed.
It is this experience with long-term care insurance companies that leads us to believe that the wrongful denial of long-term care insurance claims may be quite prevalent. If you or a loved one has had a claim under a long-term care insurance policy denied or delayed contact us now by calling 1-800-THE EAGLE or submitting your information safely in the online form below. The attorneys at Goldberg & Osborne may be able to help get the requested services covered under the policy so that independence and quality of life can be maintained.