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What are Long-Term Care and Long-Term Care Insurance Benefits?

If you are a family caregiver, then you have probably heard the term “long-term care.” But what does it mean? And how can it help people with disabilities? In this blog post, we will discuss the basics of long-term care and how it can benefit people with disabilities. We will also talk about the different types of long-term care services available and how to choose the right one.

Long-Term Care

Long-term care is a term used to describe assistance with activities of daily living (ADLs), such as getting dressed, eating, bathing, and using the bathroom. It can also include help with basic medical needs like taking medications or monitoring vital signs. Long-term care services are generally provided by caregivers in one's home or in a facility such as an assisted living community or nursing home. These services can be provided for short periods of time—such as after an injury or illness—or on a long-term basis for those who need more ongoing assistance.

There are several types of long-term care services available, including in-home health aides, respite care, day programs, and skilled nursing facilities. Each type of service provides different levels of care and support for your loved one. To choose the right type of care for your loved one, you should consider their needs, lifestyle, and preferences.

Finally, it is important to note that long-term care services can be expensive. If you have long-term care insurance, you may qualify for benefits under the policy.

Long-Term Care Insurance Claims

People with long-term insurance policies can submit a claim for benefits to assist with the cost of their care. You can obtain this kind of insurance either through an employer or on your own as an individual policy.

It is important to understand what your long-term care policy requires you to prove to qualify for these benefits. This includes looking at the definition of activities of daily living and cognitive impairment in the policy. Activities of daily living (“ADL”) generally include:

  • Bathing
  • Toileting
  • Transferring
  • Eating
  • Dressing
  • Continence

Next, you should also understand what information you will need to provide with your claim, such as forms and records from your treating provider. Your doctors will need to confirm which ADLs you cannot perform and why.

Lastly, it is important to know whether you must already be under the care of a home health aide or living in a facility.

Understanding the policy before you submit the claim can make a difference in whether your claim is approved, delayed, or denied.

Help from a Lawyer with Experience in Long-Term Care Insurance

  1. Our law firm focuses on long-term care insurance claims. That means we have experience with every major long-term care insurance company.
  2. Have successfully obtained long-term care benefits for our clients.
  3. We have represented clients across the nation.

Our lawyers can help you with the following:

  • Submitting a long-term care insurance claim;
  • Appealing a long-term care insurance claim denial;
  • Negotiating a lump-sum settlement; or
  • Filing a lawsuit against your long-term care insurance company.

Hiring an experienced long-term care insurance attorney is important. Because federal law applies to group long-term care insurance claims, our lawyers do not have to be located in your state.

Call for a free consultation with an experienced long-term care attorney. Pay no fees or costs unless you get paid.

Contact Dabdoub Law Firmtoday at (800) 969-0488 or fill out the online contact formto speak with an experienced attorney about your case.