Disabilities can happen due to injuries, illnesses, and chronic health conditions. As a result, you may require care in a nursing home or other facility. Unfortunately, even a short stay can end up costing hundreds of thousands of dollars. It can come as a shock when long-term disability insurance benefits you have paid into for years refuse to cover these costs. At the Law Offices of Michael Bartolic, we intervene on your behalf in these situations. As experienced Chicago long-term care lawyers, we provide trusted legal representation to help you get the benefits you need and deserve.
The Social Security Administration (SSA) reports that roughly nine million people throughout the United States suffer some form of disability. As many as one out of every four 20-year-olds will eventually become disabled before reaching retirement age.
When disabilities do occur, you may need the types of services which can be obtained only through a long-term care facility, such as around-the-clock nursing, ongoing medical treatment, and help with personal tasks. When you require this level of care, long-term disability insurance can help offset the costs. Benefits through your employer or through an individual policy can protect you from going bankrupt in this situation. However, insurers are often quick to deny or dispute claims. Common reasons for this include:
At the Law Offices of Michael Bartolic, we can guide you through every aspect of dealing with a long-term disability, from helping you find the types of services you need to negotiating on your behalf with insurance representatives. Our Chicago long-term care lawyers act as a strong legal advocate on your side, holding insurers accountable when they fail to pay.
Appealing a denied claim is a complex process, but our firm has extensive experience in this area. If your policy was provided through an employer, the U.S. Department of Labor advises that under the Employee Retirement Income Security Act (ERISA), insurers can be held liable and may be subject to civil penalties for denying you the coverage to which you are entitled.
At the Law Offices of Michael Bartolic, we are here to help you get the long-term care and benefits to which you are entitled. Call or contact our Chicago long-term care lawyers online and request a free consultation today.