Let A Long Term Care Insurance Attorney Fight for You

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UPDATED: Jun 29, 2022

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Written By: Jeffrey JohnsonUPDATED: Jun 29, 2022Fact Checked

If you purchased long term insurance coverage, chances are you’re finding that collecting on your policy is more difficult than you thought it would be. In fact, it’s been reported that many insurance companies don’t respond to complaints in the hope that claimants will simply go away or die. That sounds harsh, but the truth of the matter is that many insurers didn’t realize how much health care costs would rise and now can’t afford to pay what they agreed upon. It’s no wonder that many consumers feel frustrated, ignored and just want to give up. But we say…

Don’t Give Up!

Policyholders should not give up if their claims have been denied. Write a letter to the insurer confirming the denial of coverage and keep a copy in your file if you eventually have to file a lawsuit. Many insurers, such as Conseco, Bankers Life & Casualty and Penn Treaty American, have admitted to handling claims poorly and are settling claims in record numbers. As we all know, dealing with insurance companies can be difficult, tiresome, frustrating which is why having an attorney who understands long term care insurance and can intervene on your behalf can make all the difference. Even if you’re able to settle your case without going to court, you’ll still benefit from the negotiation skills of an experienced attorney.

Tips on Finding the Right Attorney

When seeking legal assistance, here are some tips that will help you find the right attorney to handle your complaint:

Experience. Make sure that the attorney you hire knows the insurance industry, especially bad faith litigation, and has specialized experience with long term care claims.
Location. Each state has different insurance laws which they must follow. Hiring an attorney who practices in the same state as the insurer will make the process easier.
Fees. It’s important to know that some attorneys charge fees for their service up front. If that’s not an option for you, look for an attorney who will take on a case and not charge for their services until you receive compensation. There are many.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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