| Long-term disability(LTD) insurance is designed to | | | | requires less specialized, daily care |
| protect individuals, employees, business owners or | | | | - Custodial care - "personal care" patients are |
| professionals who may need skilled nursing, | | | | given assistance with routine daily activities, but |
| intermediate care, or custodial care following an | | | | do not need daily medical assistance |
| injury or illness. | | | | If you or a loved one has become disabled and |
| This type of insurance may prove critical in | | | | need to make a long-term disability claim against |
| covering the cost of long-term disability care, and | | | | an insurance company, you should hire an |
| preventing policyholders from having to sell off | | | | experienced lawyer who is well versed in LTD |
| personal or business assets. Contrary to critical | | | | claim disputes law and contract language. If your |
| illness insurance which typically provides benefits | | | | claim has been denied, a long-term disability |
| up to age 65, long term care insurance may | | | | lawyer at David Share Associates can help you |
| provide benefits up to age 80. | | | | sort through the details of your contract to figure |
| LTD care can be based in a nursing home or | | | | out how much protection you are entitled to. |
| other care facility or at home. As this type of | | | | We can help you get the most out of your |
| permanent care can be extensive and costly, this | | | | policy's many provisions and make sure you get |
| type of insurance more than pays for itself when | | | | the maximum benefits legally allowed. Your daily |
| claims are granted, and defraying the cost of | | | | benefit amount, deductible or waiting period, |
| long-term care can protect a policyholder's financial | | | | guaranteed renewable, maximum policy benefit, |
| stability and assets. | | | | pre-existing condition limitations, and policy |
| Long-term disability care can include skilled nursing | | | | exclusions are just a few of the provisions our |
| care, intermediate care, and/or custodial care. | | | | lawyers will thoroughly explore. |
| Have your lawyer review your policy carefully for | | | | If your LTD claim dispute has been denied, you |
| specific restrictions and provisions: | | | | need the legal guidance of David Share |
| - Skilled nursing - under doctor's orders, skilled | | | | Associates. |
| nursing is usually mandated for severe injuries or | | | | There are time limits to all claims and any delay in |
| illness and usually requires around the clock care, | | | | proceeding may be subject to a deadline. You |
| either in home, or in a facility | | | | should not delay in proceeding with your claim or |
| - Intermediate nursing care - usually ordered for | | | | obtaining legal advice to clarify these deadlines. |
| injuries or illnesses that are somewhat stable and | | | | |