Long-Term Care Insurance Claims in Houma

Insurance companies commonly deny long-term care claims in an attempt to save money. When you or someone you care for needs placement in a nursing home or other long-term care facility, there are several factors that go into whether your insurance covers it. Understanding when a denial is within the policy terms and when it is not can be difficult without experienced legal help.

When the denial of the claim is in bad faith, you could be eligible for compensation through a civil claim. Insurance companies use different tricks to avoid payment, even if they should be covering those costs. For help with long-term care insurance claims in Houma, reach out to an experienced insurance claims attorney at Kopfler & Hermann. We can help you pursue the compensation you deserve after unfair treatment from an insurer.

What is Long-Term Care?

Long-term care involves many different services meant to meet a person’s health and personal care needs. This is very common for those who are elderly and become unable to take care of themselves. However, long-term care can be necessary for people of any age who are injured or disabled and need care for an extended period. These facilities help people with activities of daily living in addition to their medical treatment, which can include meals, transportation, and other services.

Different Kinds of Long-Term Care Facilities

There are many different kinds of long-term care, each with its own focus. These include:

At-Home Care: Many receive long-term care at home so they can remain independent. This requires a worker to come to a person’s home to help them with medical concerns and daily living issues.

Nursing Homes: Nursing homes are live-in facilities that provide both assisted living services and medical care. They typically house vulnerable populations and may be subject to insurance coverage.

Assisted Living Facilities: These facilities provide personal care in a home-like setting. They are often classified differently than a nursing home, even when they offer the same or similar services.

Senior Transportation Services: Paratransit and other transportation services may be necessary to assist those with long-term care needs to get to appointments and other places.

An individual could face a bad faith claim denial by their insurance company at any type of long-term care facility in Houma. When this occurs, a dedicated attorney can provide legal guidance.

Handling Bad Faith Long-Term Insurance Care Claims

Louisiana Revised Statutes § 22:1892 sets forth state law on bad faith insurance claims—including those for bad faith denials of long-term care. Bad faith practices often include:

Failing to investigate a claim before denial
Delaying long-term care in violation of the insurance contract
Refusing to settle
Delaying or denying needed treatment
Taking too long to process a claim

There are significant penalties for companies that arbitrarily fail to pay claims or deny them outright. With the help of a knowledgeable lawyer in Houma, an individual can pursue compensation for what they are owed under their long-term care policy.

Seek Compensation for Denials of Long-Term Insurance Claims in Houma

Long-term care is a crucial part of life for many people. When claims for this care are denied, the results can be dangerous or even fatal for those who depend on long-term treatment.

If you believe your long-term care insurance claim in Houma was denied in bad faith, it is crucial to obtain skilled legal counsel as soon as possible. Bad faith denials are not permitted under state law, and you could be eligible for compensation if your insurer did not act in good faith. To learn more about your legal options after an insurance claim denial, reach out to our office today.