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By Sandstone Law Group
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October 14, 2025 | Long-Term Disability
What is the Difference Between Group and Individual Disability Insurance Denials?
The main difference between group and individual disability insurance is who controls the policy and what laws govern it. Understanding...
October 10, 2025 | Long-Term Care Insurance
Premium-Rate Litigation & the NAIC Multistate Framework
Long-term care insurance policyholders across the country are facing an unprecedented crisis. Insurance companies that sold policies decades ago are...
October 2, 2025 | Long-Term Disability
Can I Fight a Disability Denial on My Own?
Fighting a disability denial on your own could lead to costly mistakes that further delay the benefits you need. Experienced...
September 26, 2025 | Insurance Bad Faith
The Most Common Bad Faith Tactics in Long-Term Care Insurance Denials
Purchasing a long-term care (LTC) insurance policy should provide peace of mind in the face of future care needs. Yet,...
September 24, 2025 | Long-Term Care Insurance
Who Is Really Handling Your Long-Term Care Insurance Claim?
It is easy to assume that a large, reputable insurance company directly handles every aspect, but the reality is often...
September 24, 2025 | Long-Term Care Insurance
Level of Care Denials in Long-Term Care Insurance: Why Home Care Is Often Treated Differently Than Assisted Living or Nursing Homes
The promise of long-term care (LTC) insurance is clear: to provide financial support when you can no longer perform daily...
August 26, 2025 | Long-Term Disability
Glossary of Terms: Long-Term Disability Insurance
Long-Term Disability (LTD) insurance is a crucial financial safety net designed to replace a portion of your income if you...
August 22, 2025 | Long-Term Care Insurance
ADL Assessment Guide for Long-Term Care Insurance (LTCI)
Receiving a denial letter for long-term care insurance (LTCI) benefits is devastating. You planned ahead. You paid your premiums. Now,...
August 22, 2025 | Long-Term Care Insurance
The Growing Wave of Lawsuits Against LTC Insurers
Across the United States, individuals and families who purchased long-term care (LTC) insurance decades ago are now discovering a harsh...
August 9, 2025 | Sandstone Law Group News
Sandstone Law Group Partner Kyle Shelton Appointed Chair of the Arizona Attorney Editorial Board for 2025–2026
Sandstone Law Group proudly announces that partner Kyle Shelton has been appointed as Chair of the State Bar of Arizona’s...
July 23, 2025 | Long-Term Care Insurance
Glossary of Terms: Long-Term Care Insurance
Understanding a long-term care insurance (LTCI) policy should not require a law degree, but too often, it feels that way....
June 25, 2025 | Long-Term Care Insurance
Why Most Long-Term Care Claims Get Denied (And What to Do Next)
Long-term care (LTC) insurance is supposed to help cover the cost of in-home care, assisted living, or nursing home expenses...