Many people need long term care as they age due to a decline in physical health or mental cognition. If you or someone you love needs to move into a long term care facility, you want them to be as comfortable and well-cared for as possible. However, these facilities and services are costly, and you want to be sure you have the benefits you need to cover the costs without depleting all of your or your family member’s assets and property.
When it comes time to access long term care benefits, many people come up against obstacles, delays, and other frustrations. You should not hesitate to speak with long term care lawyers near Malvern about your benefit needs. The Garner Firm, Ltd. is committed to representing policyholders during the long term care benefits claim process, and we are ready to assess your situation.
When you file a claim for the benefits you or a loved one needs, you might be shocked to learn the claim was denied. Even though premiums are covered for years, insurance companies can still find many reasons to deny your claim. You should receive a written letter stating specifically why your claim was denied.
Once you receive a denial letter, it is generally not a good idea to try to decipher the denial reasons and address the matter yourself. Time is of the essence when you need to cover the costs of a long term care facility, so you should take your denial letter to a skilled claim attorney as soon as you can.
We will review the circumstances of your situation and the reasoning given for a denial, and we can assess the best course of action to take to get you or your family member’s rightful benefits as quickly as possible, so there is no interruption in care or unnecessary bills.
Many denials are unfair or completely wrongful. When we review your denial letter, we can evaluate the strongest manner of appeal. This can involve gathering information to present to the insurance company in the most persuasive manner possible to challenge their denial reasons. We directly address reasons for the denial and know how to argue that neither your policy nor the facts of your situation support that denial.
We handle all communications with the insurer and ensure that all appeal deadlines are met. In some cases, if the insurance company will not budge and refuses to grant benefits, we can file a lawsuit against the insurer on your behalf. Lawsuits can claim insurance bad faith and other causes of action and seek the full benefits you deserve under your policy.
The Garner Firm, Ltd., represents clients and their loved ones who rely on their long term care benefits but are pushed around by insurance companies. If you need assistance with a long-term care claim or appeal, contact us to speak with our long term care lawyers near Malvern today.
Adam helped me with my LTD case. His knowledge and thoroughness was outstanding. He communicated every aspect of the process and case in an extremely detailed and timely manner. He also took the time to answer any questions I had as a person going through it for the first time. I could not recommend him more for anyone in a similar situation.
Adam and his team are great. They did an excellent job helping my family when we were really losing hope. Adam is very professional and has excellent knowledge to protect your rights. If you choose Adam you will talk directly with him. It was a truly pleasant experience. I’m extremely thankful that I chose the Garner firm. I highly recommend them.
Adam Garner provided excellent courteous and considerate service in helping me resolve a long term disability claim. He was accessible, knowledgeable and exercised the good judgement necessary for us to be successful. I heartily recommend his expertise and services
This review is long over-due!
If you’re looking for professional and sound legal advice, The Garner Firm is where you want to start!
Throughout my relationship with The Garner Firm, there was never a time that I felt uninformed where my case stood. Attorney Adam Garner focuses on making sure his clients are well informed throughout their legal battle. I can reassure any prospective clients that Adam will maximize all his resources and fight to the MAX in order you’re reasonably compensated.
I invite you to take the opportunity to contact The Garner Firm – YOU WILL NOT REGRET IT!