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By Sandstone Law Group
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September 9, 2026 | Long-Term Care Insurance
Long-Term Care Insurance Claim Requirements
Most families file a long-term care insurance claim in the middle of a crisis: a fall, a hospital discharge, a...
September 1, 2026 | Long-Term Disability
Why Was My Long-term Disability Claim Denied After 24 Months?
If your benefits were approved without much of a fight for the first two years, and then got cut off...
August 18, 2026 | Long-Term Care Insurance
Genworth vs. CareScout: What Legacy Long-Term Care Policyholders Need to Know in 2026
If you received a letter, a phone call, or a denial notice that mentioned CareScout and you own an old...
August 4, 2026 | ERISA
What Lawsuits Against Cigna & LINA’s Disability Claim Tactics Have Revealed
Cigna’s disability insurance business, Life Insurance Company of North America (LINA), has a documented track record — not rumor, not...
July 30, 2026 | Uncategorized
Disability Journals: How Symptom Tracking Protects Your Disability Claim
A diagnosis alone doesn’t ensure you can receive disability benefits or win a disability claim denial. Insurance companies want proof...
July 22, 2026 | Long-Term Care Insurance
When an Insurance Company Says Your Care Provider Isn’t Licensed
Not every long-term care denial is about your medical condition. Sometimes it’s about who’s providing your care. If your insurer...
July 21, 2026 | Long-Term Care Insurance
Long-Term Care Insurance Denied for Incomplete Documentation? What Insurers Are Really Looking For
Most long-term care claims aren’t denied because the need for care isn’t real. They’re denied because a form was unsigned,...
July 14, 2026 | Insurance Bad Faith
Transamerica Long-Term Care Insurance Claim Denied? Here’s What That Letter Isn’t Telling You
You opened the envelope expecting approval. Instead, you got a denial letter full of policy citations, vague explanations, and a...
June 15, 2026 | Insurance Bad Faith
The Delay Tactic: What State Law Says about Slow Claims Processing From LTC Insurers
Months of silence from a long-term care insurer, shifting document requests, and vague responses serve a purpose: to exhaust you...
May 4, 2026 | Insurance Bad Faith
State Bad Faith Laws and Your Insurance Denial: What Policyholders Need to Know
Where you live—and what kind of policy you have—determines whether your insurer faces real consequences for denying a legitimate claim....
April 1, 2026 | Long-Term Care Insurance
The Helper Bees And Why They May Be Involved in Your LTC Claim
Your long-term care insurance policy was supposed to be straightforward: you need care, you file a claim, you get paid....
February 10, 2026 | Long-Term Disability
Chronic Pain and Fibromyalgia – Invisible Disabilities & LTD Denials
Your insurer can’t see your pain on an X-ray. That’s exactly why they think they can deny your claim. Long-term...