Long Term Care Disability Insurance

As the American population ages, the insurance industry has enacted more policies for long term disability insurance.

Consumers should be aware that insurance agents must provide an outline of the coverage in the policy, including a description of the benefits, and any limitations or excludions, terms under which the policy may be returned, the relationship of the cost of care and related benefits, and the terms under which the policy may be continued.

Insurers are also under the obligation to use suitability standards to determine whether nor not the policy is appropriate for the purchaser. This includes the applican't ability to pay for the coverage, the applicant's goals in regards to long term disability care, and examining existing insurance to compare the value, benefits and costs to the proposed coverage.

All insurers owe a policyholder a "duty of honesty and good faith" when selling a long term disability care insurance policy. If you feel your long term disability care policy has not been adequately represented to you, of if you have been denied long-term disability care benefits, you may wish to present your claim to an insurance lawyer.

Register your Long Term Care Disability Insurance Complaint

If you have had a long term disability insurance policy falsely represented to you, or been denied a long term care disability insurance claim, you may qualify for damages or remedies that may be awarded in a long term disability fraud insurance lawsuit. Please click the link below to submit your complaint to an insurance lawyer for a free evaluation.

Please click here for a free evaluation of your case

Last updated on Aug-3-09