You thought ahead and purchased an insurance policy that would provide you benefits to cover the cost of an assistant care giver to help you when you needed it most. Your policy is supposed to provide you help when you need it most. It supposed to help and assist you with activities of daily living that you no longer can do by yourself. The policy will either help pay for a nursing home or for in-home assistance or what is commonly referred to as home health services.
What are activities of daily living? These are the routine things people have been doing everyday of their lives until due to either their age, a health condition or some other disabling condition, prevents that person from helping themselves.
Most insurance policies required that a person need assistance with at least 2 of the following activities of daily living: Eating, Bathing, Dressing, Toileting, Transferring (basically walking) and continence. Most people have doctors who advise them that its time they have someone help with the daily activities of daily living. It can be as little as a few hours a day or twenty four hours a day care.
Insurance companies will do whatever it takes NOT TO PAY for your help. Even though you have been paying every month for years, the insurance companies will try to find a way to get out from paying for your assistance that you rightfully need and deserve. Your premiums continue to go up yet the insurance company doesn’t want to pay for what they promised. The insurance company will do whatever it takes to avoid paying your rightful benefits, they will try to confuse you, make you fill out numerous forms, send and resend medical records and more paperwork hoping you get tired and frustrated or just plain forget.
The Law Offices of Todd Krauss is ready to help you. If you have improperly been denied long term care benefits by your insurance company, even though your doctors say you need assistance we are here to help. Fighting insurance companies is not easy. You need attorneys who know how to win and make insurance companies pay! Our office has been fighting insurance bad faith cases for over twenty years and helping people like you get what they rightfully deserve. Contact us today!