Order an analysis of your long-term care insurance policy

Thorough review of long-term care insurance

The Long-Term Care Insurance Review service provides a professional analysis of your insurance policy to identify gaps, inconsistencies, or unfavorable conditions. The lawyers legal marketplace “Consultant” platform will help you understand complex terms, clarify what services are covered, and protect your interests in the event of a dispute with your insurance company.

Long-term care policy analysis: what exactly is reviewed?

Proper policy review involves analyzing a number of key parameters:

1. Duration and limits of payments — how long and to what extent care is covered.
2. Conditions for providing care — at home, in an institution, or through third-party service providers.
3. Exclusions and limitations — which cases are not covered.
4. Indexation — does the coverage amount increase with inflation?
5. The possibility of transferring benefits to spouses or other relatives.

These details significantly affect the possibility of receiving real coverage in the future, so it is important that a specialist checks each item.

When is it advisable to order a legal review of an insurance policy?

• You have just purchased a policy and want to make sure that the terms are favorable.
• You have received an updated version of the policy with changes.
• The insurance company is delaying or refusing to pay.
• You plan to transfer insurance coverage to a family member.
• You want to avoid conflicts when arranging care.

Legal services for policy review: what do we do?

Our team offers comprehensive legal support, which includes:

• Analysis of the policy content for compliance with applicable law.
• Risk assessment for the client and recommendations for minimizing risks.
• Verification of the insurance company's good faith.
• Explanation of complex insurance terms and mechanisms.
• Preparation of appeals, complaints, or claims, if necessary.
• Support in legal disputes with the insurer.

The main advantages of consulting a lawyer:

• You will not miss important details that could deprive you of your payments.
• A lawyer will identify “pitfalls” in the wording of the insurance contract.
• You will receive an independent professional opinion.
• We will protect your rights in dialogue with the insurer.
• You will be able to confidently plan your future care expenses.

Common legal problems with care insurance policies

• Non-obvious exclusions from coverage that are activated only after the event occurs.
• Conditions that limit the choice of medical facility or personnel.
• Insufficient payment period that does not cover the entire care period.
• Cancellation or termination of the policy without notice.
• Increase in premiums without legal justification.

The “actual need” provision for care is one of the most common clauses used by insurance companies to deny claims. It is important to clearly understand how the insurance company interprets this concept in your policy.

What does the Long-Term Care Insurance Review service include?

1. Careful reading of the insurance contract
2. Identification of weaknesses in the contract
3. Comparison with market standards
4. Preparation of written recommendations
5. Conducting online consultations
6. Legal support in disputes, if necessary

Recommendations before signing or reviewing a policy:

• Read all the appendices to the main contract.
• Do not sign the updated version of the policy without a lawyer's analysis.
• Consult with experts if you suspect unfair terms.
• Be sure to compare the terms of your policy with others on the market.