Assurant Health Long-Term Care Insurance Claim Denials

Why Hire a Lawyer for LTC Claim Denials? How Sandstone Law Group Can Help You

Choosing the right law firm to represent you in an Assurant Health long-term care insurance claim denial case can make a big difference in the outcome. At Sandstone Law Group, our experienced attorneys go beyond just filing paperwork or issuing demands.

Here’s why our clients trust us with their long-term care insurance claim denial cases:

2- Proven Track Record of Success

Time and again, we’ve secured favorable settlements and court verdicts for policyholders who were wrongfully denied benefits. Our legal team has recovered millions of dollars in compensation for clients, helping them regain their financial security.

4- Transparent Communication

We prioritize keeping our clients informed, providing updates at every stage of the legal process. You’ll never be left wondering about the status of your case or your legal options.

With Sandstone Law Group, you’re not just hiring a lawyer. You’re choosing a legal team of advocates who are dedicated to securing justice for policyholders like you.

Eligibility for Compensation for Denied LTC Insurance Claims

If Assurant Health denied your long-term care insurance claim, you may still have a right to benefits. Understanding your eligibility is key, and a thorough review of your policy can reveal covered benefits that the insurer may be trying to avoid paying.

Common scenarios include:

• Claim Denials Based on Technicalities
  Some denials arise from alleged payment lapses or missing documentation. For instance, Assurant Health might deny your claim due to an unintentional error, such as failing to submit a form on time. 

However, state laws, like those in Arizona, often protect policyholders from such oversights.

• Disputes Over Medical Necessity
  Insurers frequently reject claims by arguing that the care isn’t medically necessary, even when your doctor provides evidence that it is. This is especially common for policyholders requiring in-home assistance or memory care.
• Misinterpretation of Policy Terms
  Policies can be written ambiguously, leaving room for insurers to dispute coverage. For example, certain coverage might apply to custodial care, but insurers could wrongly interpret it otherwise.

If you’ve encountered any of these scenarios or others, call us for a free policy review. With our long term care benefits denied attorneys by your side, you’ll gain clarity on your policy’s benefits and the steps needed to pursue compensation.

Common Injuries and Impacts When Long-Term Care Insurance Is Denied

When long-term care insurance claims are denied, the consequences often ripple far beyond just finances. These denials can lead to serious physical, emotional, and economic hardships for policyholders and their families. 

Below, are some of the most common and devastating outcomes:

Worsening Medical Conditions

Denied claims can mean vital care is delayed or entirely inaccessible. For older 

individuals or those with pre-existing conditions, this delay often results in rapid health deterioration. 

Patients with mobility issues who are denied physical therapy or assistive equipment could face permanent loss of function or increased susceptibility to injuries like fractures.

Even chronic illnesses such as diabetes or heart disease can spiral out of control without proper management, leading to more severe complications like strokes or kidney failure. The lack of timely care doesn’t just affect one’s physical condition but can result in reduced quality of life overall.

Physical and Emotional Strain

A denied claim often forces family members to take on caregiving responsibilities, especially when someone they love urgently needs professional assistance. However, caregiving comes with its own set of challenges. 

Physically, it can involve strenuous tasks, such as lifting a loved one to help them bathe, dress, or get out of bed. Untrained caregivers can suffer back injuries, chronic pain, and fatigue over time.

Emotionally, stepping into this role without adequate support brings significant stress. Caregivers may feel overwhelmed, isolated, or even resentful as they try to juggle their personal lives with the round-the-clock demands of caregiving. 

This emotional toll has been linked to anxiety, depression, and in severe cases, caregiver burnout, which can harm both the caregiver and the patient.

Financial Hardships

The costs of long-term care are staggering. When insurance denies coverage, families often have no choice but to cover these costs out of pocket.

These financial burdens deplete retirement savings, college funds, or even emergency accounts. Families may need to sell assets like their homes or take on additional debt just to keep up with their loved ones’ care needs. 

Over time, these economic hardships can lead to foreclosure, bankruptcy, and even strained personal relationships as financial tensions rise.

Isolation and Emotional Distress for Patients

Denied care doesn’t just affect the caregiver; for the patient, it creates a world of uncertainty. Many older people feel they burden their families when they need financially or physically challenging care. 

This guilt, combined with the lack of proper support, can lead to feelings of isolation, depression, and loss of dignity. Such emotional impacts often worsen an individual’s overall health, creating a vicious cycle that becomes increasingly harder to break without intervention.

Impact on Quality of Life

The effects of physical deterioration, emotional strain, and financial stress ultimately erode a family’s overall quality of life. Vacations are canceled, family time becomes focused solely on caregiving and finances, and future planning turns into constant crisis management. 

Denied claims disrupt lives by forcing families into survival mode, leaving little space for joy, relaxation, or personal endeavors.

A denied claim isn’t just a financial issue; it’s a personal crisis that affects health, stability, and well-being. Partnering with an experienced attorney can help alleviate these burdens by ensuring access to the funds that make care possible.