Long Term Care Insurance
Helping people when insurance companies don´t keep their promises.
Long Term Care Insurance

Frivolous? Rudolph didn't think so.

At age 93, Rudolph passed away a few months ago. His last years were spent in a nursing home in Hosmer, SD. Rudolph had purchased nursing home insurance in case he ever needed help later in life. He didn't want to be a burden to his children. As it turned out, he did need help. His insurance company paid for his nursing home care for three years, but then abruptly wrote Rudolph a letter saying his benefits were being cut off. They wrote the same letter to a lot of other people living in nursing homes. When we found out about it, we sued them, and as soon as we sued, the company started paying again. Unbelievable? We think so. Rudolph should not have had to spend the last year of his life hiring lawyers and fighting insurance companies.

If you or a loved one have long term care insurance

and are being treated unfairly by your insurance company, you have come to the right place. Our website is designed for you. It contains information on long term care insurance and long term care insurance companies. Long term care includes nursing home care, assisted living care and home health care. There are stories and links here involving current developments about the insurance industry and its internal polices. This can help you understand what may be happening behind the closed doors of your insurance company. We also give you tips that you can use, without hiring a lawyer, to help get your claim paid.

You are not alone. Many people are in the position where their own insurance company unreasonably denies or delays payment of claims. We know this because we handle many cases where an insurance company has denied or delayed payment for long term care. We have successfully fought against unreasonable or flat out inaccurate rationales that insurance companies give to deny claims. You will find articles in our website that explain the most common reasons insurance companies give to deny claims. We then give you tips on what to look for in your own policy to defeat those insurance company arguments. But don't feel like you have to go at this all alone. If you need help, you are free to use whatever information is provided in our website. Or you can call us or email us. There is no obligation to hire us and we wont charge you a penny for talking to us.

Not all lawyers have dealt with these insurance companies again and again as we have. This is a unique area of the law. We hope this website helps you and saves you time. Because your time is better served caring for your loved ones than fighting with your insurance company.

This is a list of articles we have written which may help you get your long term care insurance claim paid.

  1. The 5 first steps you need to take after your insurance company denies your claim
  2. Common benefit triggers in the insurance policy which qualify a policyholder for coverage
  3. How to research your insurance company
  4. Activities of Daily Living (ADLs) defined
  5. How to file a complaint with your state's Department of Insurance
  6. Common insurance company bad faith practices and/or common reasons for denial and what to do about it:
  7. What is 'Post Claim Underwriting'
  8. 10 things you should know about your insurance company
  9. Frequently asked questions
  10. Glossary of Terms
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Abourezk Law Firm

Call us with any questions

(605) 342-0097

or visit our office
2020 W. Omaha
P.O. Box 9460
Rapid City, SD


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