Long-term care insurance assisted living facility claim denials: Whoโs affected?
If your or your family memberโs long-term care insurance claim for assisted living expenses was denied, you may qualify for a class action lawsuit investigation. Fill out the form to learn more.
The primary motivation for individuals who purchased long-term care insurance decades ago was to safeguard their financial well-being in the future against the high costs of long-term care, including assisted living facility stays, in their older years when dementia, Alzheimerโs disease, or physical limitations prevented them from safely living alone. However, when an insurance provider denies an applicant’s legitimate claim, the consequences are severe. The policyholder and their loved ones are responsible for paying for essential l long-term care, assisted living facility expenses and more, out-of-pocket despite paying premiums for decades. When policyholders pay premiums for decades, and were even subjected to multiple rounds of premium increases in recent years, they are expect the insurance carrier to do the right thing when it is time to file a long term care insurance claim for assisted living facility coverage.
If you or a loved one recently had an insurance claim for an assisted living facility stay denied by a long-term care insurance company, options may still be available. A class action lawsuit investigation is currently examining insurance carriers accused of wrongfully rejecting claims for long-term care coverage at assisted living facilities. Your experience could provide valuable insight into this matter. Please submit your details using the form on this page.
Do you qualify?
Did your long-term care insurance provider deny your claim for assisted living expenses? You may be eligible to pursue compensation through a class action lawsuit investigation. Fill out the form to learn more.
Fill out the form on this page to see if you qualify for a free case evaluation.
Why do assisted living claims get denied by long-term care insurance companies?
The investigation centers on the widespread denial of claims for assisted living facility expenses, which many policyholders depend on for their long-term care. Although long-term care insurance policies were sold decades ago with the assurance of financial protection against costly care needs, insurers are now searching for ways to deny valid claims, often resorting to illegal or unethical practices.
Insurance carriers routinely present multiple reasons for denying assisted living facility insurance claims. Carriers often claim that an insuredโs Alzheimerโs disease symptoms are not severe enough to warrant an assisted living facility stay. Other times carriers misrepresent the terms of the long term care insurance policy when denying assisted living facility claims. Carriers will also argue that the policy only covers skilled nursing facilities and not assisted living facilities, despite certain laws that can forbid this. Assisted living facility claims are often expensive claims for a carrier to cover, therefore carriers resort to a host of tactics to avoid coverage.ย
Fill out the form on this page to see if you qualify for a free case evaluation.
See If You Qualify
Join an assisted living insurance denial class action lawsuit investigation
By submitting your information, you agree to receive communications from Top Class Actions and to be contacted by an attorney or law firm or their agents to discuss the details of your potential case at no charge to you if you qualify.
After you fill out the form, an attorney(s) or their agent(s) may contact you to discuss your legal rights.
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