Long Term Care Insurance
Long term care insurance has been the subject of much debate in Congress and in private homes throughout the country. As we get older, we tend to incur greater medical expenses due to prescription medications and preventative medical procedures. Our health insurance policies generally cover medical procedures and hospital visits, but they usually don't cover long term assisted living or nursing home treatment. According to recent government statistics, as many as 12 million older Americans will need long term health care by 2020. Long term care isn't just for older people. In fact, the US Government Accounting Office estimates that 40 percent of the people currently receiving long term care services are between the ages of 18 and 64.
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What to Look for in Long Term Care Insurance Policies If you're looking for long term care insurance, it's important to review your policy to make sure it covers all of your essential needs. You'll want to find out how much the policy pays for nursing home care per day, how long nursing home benefits last, how long you have to wait before preexisting conditions are covered, and the assessment criteria for coverage. If the process of signing up for long term health insurance sounds overwhelming, it's a good idea to consult with a financial advisor or attorney before selecting a policy. Also, many insurance companies are currently involved in lawsuits regarding long term care insurance claims. If your coverage is denied for any reason, you need someone on your side with experience fighting the big insurance companies for long term benefits. The law firm of Daley, DeBofsky and Bryant has over 50 years of combined experience, and they represent people like you in the fight for the treatment and dignity you deserve.
If you want to learn more, simply contact Daley, DeBofsky and Bryant at any time
by calling (312) 372-5200, emailing info@ddbchicago.com or
writing 55 W Monroe Suite 2440, Chicago, IL 60603.
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