Joan Odorowski

Attorney at Law

18530 Mack Ave., Suite 286
Grosse Pointe Farms, MI 48236

(313) 926-6688

Email:
This e-mail address is being protected from spambots. You need JavaScript enabled to view it.

Websites:
www.michiganinsurancelawyerfreeconsultation.com
www.counselorjoan.com

Contact Information
Call Today!

(313) 926-6688

Articles

Long Term Care Insurance Denials

LONG TERM CARE INSURANCE

Many consumers have never heard of long-term care insurance, and there's a common misconception that long-term care is paid for by Medicare. This is not the case. Long term, or chronic, care is basically "custodial" care for those suffering the after-effects of a stroke, Alzheimer's disease or other disabling condition.

Health insurance does not pay for this kind of treatment, nor does Medicare, generally speaking. Who does? You do. The consumer pays out of pocket until his assets are exhausted, at which time Medicaid (not Medicare) kicks in. Those on Medicaid often wind up in nursing homes. Those with scads of money or with a good long term care policy may be able to stay at home with the help of paid assistants or check into a comfortable assisted living facility.

However, an increasing number of elderly policyholders who submit claims under their long-term care policies are being told by insurers that services they have paid for over the years are not covered by their policy. Insurance companies are inventive in denying claims, claim denials are common and there are many unresolved legal concerns with these insurance plans. Other elderly policyholders have had their claims terminated despite being paid for years.

Attorney Odorowski has the experience in all aspects of insurance law to help people fight for the long-term care benefits they need and deserve.

Understanding Long-Term Care Coverage and Limitations

Created to provide the elderly and disabled with quality care, long term care insurance plans offer a wide array of coverage levels and complexities. It is important for policyholders to carefully review the terms of a long term care policy with a knowledgeable attorney regarding such concerns as:

  • Applying for benefits you have diligently paid for
  • Choice of at-home care or inpatient care at a nursing home or assisted living facility
  • Level of care doesn't limit long-term care to designated providers only
  • Services help avoid the need to settle for only state-run nursing home care
  • Long-term care insurance does not disqualify them for Medicaid
  • 24-hour care is available for home health aides, medical equipment, transportation and other important services

Assistance with Claim Denials for Long-Term Care and Terminated Claims

Denied claims come down to specific policy terms and an insurer's interpretation of the contract terms. Where some policies allow family members providing home care to seek reimbursement for expenses, others require entrusting home care to an outside provider, and even limiting payments for care to designated facilities. Insurers often refuse to pay for related medical necessities like access ramps for a home, transportation services, even wheel chairs and other common equipment. I can help ensure you and your loved ones find the care and support you paid for.

Contact Attorney Joan Odorowski regarding your Long Term Care denial

From examining long-term care insurance plans to appealing long term care denials to handling terminated claims, Attorney Odorowski offers an experienced and caring perspective on choosing the proper course of legal action regarding your long-term care insurance needs.

Contact Info

Joan Odorowski

Attorney at Law

18530 Mack Ave., Suite 286

Grosse Pointe Farms, MI 48236

(313) 926-6688

e-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it.