Insurance companies deny claims for many reasons—from policy exclusions to bad-faith tactics. Here’s how denials happen and what legal steps you can take to challenge them.

Long‑term care insurance can cover many of the daily‑life tasks and supervision needs that health insurance or Medicare do not, but coverage is not automatic. Your plan likely has specific triggers, exclusions, waiting periods, and limits. 

It may take up to 30 days for the insurer to review the claim and make a decision. Additional time may be necessary if the patient decides to appeal the insurance company's decision or take legal action.

Many factors affect when you will hear from your adjuster after filing an initial claim. Some companies return calls within 24-48 hours, while other, smaller companies may take longer to contact you.

No one likes to be lied to, especially by a professional who is responsible for determining whether your insurance claim is valid. If you have been injured in an accident and have a sizable claim, you may find the tactics used by an insurance adjuster to be accusatory, shrewd, and downright dishonest. 

Planning for the golden years of your life can be difficult and overwhelming. Long-term care insurance steps in to bridge the gap, protecting your independence and quality of life.

Are you wondering if Lincoln Financial Group might be engaging in bad faith practices? An experienced insurance dispute attorney can help you fight a denied long-term care claim.

Long-term care insurance ensures a person with an extended illness can get reimbursed for assistance with basic needs like bathing and dressing. For some people, it's their only option.