When Benefits are Denied: Getting Long Term Care
Perhaps the only thing more frustrating than requiring long term care is having your request for long term care denied by your insurance company. For many, especially those who have no close relatives or who have little savings, insurance benefits are the only financially feasible way to obtain the long term medical care they need. If you are in this situation and have had your benefits denied, what should you do next?
Fortunately, you have stumbled upon the right place to get a quick overview of your options if you have had your request for long term care denied. In the next few paragraphs, you will learn the three most commonly used defenses for those who have been refused their rightful benefits. With a little luck and strategy, these steps could work for you, too!
Long Term Care Denied? Three Solutions
Welcome to "Long Term Care Denied? Three Solutions". While this article serves as a good overview of the steps you should take if you are serious about receiving your denied benefits, remember that it is ONLY a general overview. It is no substitution for extensive research or professional legal counsel.
The first step you should care if your long term care benefits are denied is to thorougly familiarize yourself with your particular insurance policy. Many insurance companies work under the assumption that their policy holders know little about their rights and will be easily confused by the use of lots of legal jargon. Once you are comfortable with your particular policy, however, you might discover important ways to fight against the initial denial.
Once you have become familiar with your rights as a policy-holder, hire a qualified disability attorney to help you file an appeal. Often, an appeal will result in benefits because it shows the insurance company that you are serious and will pursue a court case if necessary. Secondly, an appeal generally requires a competent attorney, who can often find legal loopholes that even your prior extensive research did not uncover.
Your third step is to take your insurance company to court. This step should be used only as a last resort, however. Before taking this type of legal action, carefully consider the pros and cons. While many individuals simply cannot survive without insurance benefits, those with short-term disabilities or large savings may find that a court case would not be financially advantageous. Additionally, court cases may take a large amount of time, and those with short-term disabilities may find themselves back at their jobs before a resolution is reached.
While having your long term care benefits denied may be frustrating and even a little scary, it does not have to be the end of the world. With a little patience and research, you might be able to get your insurance company to overturn their original decision and grant you the benefits you so much need and deserve. Good luck!
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