About Long-term Care Insurance Claims Denials
Long-term care insurance is highly regulated in some, but not all states. As part of that regulation, long-term care insurance policies and insurance carriers must comply with certain specific requirements. Some of these regulations may prohibit certain types of exclusions or require that certain benefits be provided without certain conditions. Unfortunately, most consumers are not aware of their legal rights under long-term care rules and statutes. If they are denied benefits, they simply take the insurance company’s “word for it” and find themselves saddled with enormous costs of care.
Not all denials of insurance benefits are incorrect. However, your insurance company should be very clear about the reasons why your claim has been denied. If it does not specify why your claim was denied; ask for a written explanation detailing the reasons for the denial.