Long term care is incredibly expensive. Currently, a private nursing home in the Chicagoland area can cost more than $100,000 per year. Even less intensive forms of long term care can still break the bank for most families. When the time comes, you need access to your benefits. If you have long term care coverage through your job, your plan is likely covered by the Employee Retirement Income Security Act (ERISA). While ERISA provides key protections to beneficiaries, getting access to long term care benefits can still be challenging. If your claim is denied, you may need the assistance of a Chicago long term care attorney.
At the Law Offices of Michael Bartolic, our Chicago long term care attorneys have the legal skills and tenacity to handle the full range of ERISA cases. If your long term care claim was denied or underpaid in Cook County, Illinois, please do not hesitate to reach out to our law firm to arrange a free consultation.
Under ERISA, insurers are required to provide written denial letters that include a basic explanation of the reasoning for the rejection. You need to carefully review and make sure you understand your denial letter. In the appeals process, you will have the opportunity to directly address the insurance company’s reasoning. It is crucial that you have evidence and a well-reasoned argument to push back against the denial. Some common reasons why long term care claims are denied include:
Our Chicago long term care lawyer will take whatever action is necessary to help you and your family get the benefits that you deserve. This starts with conducting a review of your denial letter and a comprehensive assessment of your entire case. We will help you put together a strong appeal.
Our goal is always to get you long term care coverage without going through the full litigation process. In many cases, our Chicago ERISA lawyers have been able to achieve full settlements in long term care claims. Still, we will always be prepared to file a long term care lawsuit to protect your rights.
Our law firm is here for you. At the Law Offices of Michael Bartolic, our top-rated Chicago long term care lawyer fights aggressively for long term care claimants. If your long term care application was denied or underpaid, please do not hesitate to contact our Chicago law office at (312) 635-1600 for a free case evaluation.