Long-Term Care Insurance Lawyers

Getting You the Benefits You Paid For

The aging of the baby boomer generation has necessitated a growing need for insurance coverage providing reimbursement for assistance in senior care facilities or in the home. Many people purchase long-term care insurance with the expectation that it will help defray the costly expenses of long-term care and protect themselves and their assets in the event they need care during their senior years. However, despite the high cost of long-term care insurance, collecting benefits can be difficult and challenging.

Whether you purchased long-term care insurance through your employer or individually through a broker, you have legal options if the insurance company denies, discontinues or delays payments that you have a contractual right to receive.

But will the coverage be there when they need it? Many leading long-term care insurance companies have run into financial problems, while others have either dramatically increased premiums or curtailed coverage.

How a Long-Term Care Insurance Lawyer Helps With Claims?

Long-term care insurance is extremely complex and contains many loopholes. For example, are assisted living facilities covered? What about assistance in the home? Even if such facilities or coverage are included, there are frequently additional requirements imposed by insurance companies that preclude coverage such as the specific licensure of the facility, whether a physician or nurse is on premises 24-hours-a-day, whether home health aides require certification, and other complexities.

Recent litigation has clarified some of these issues, but not all. And as premiums keep rising, the two most common questions are: Should I keep my coverage? Or, for those who are contemplating buying long-term care insurance, is it a good investment?

While the answers to all of these questions depend on individual circumstances, the attorneys at DeBofsky Law can help families seeking to enforce their right to obtain benefits under existing long-term care insurance policies. We can also represent families whose claims have been wrongfully denied in courts throughout the country.

Consult An Experienced Attorney About LTC Insurance Claim Denial

At DeBofsky Law, we handle long-term care insurance disputes for clients throughout the U.S. With offices in Chicago and Seattle, our firm has been recognized as one of the leading insurance litigation firms in the country, and founding attorney Mark D. DeBofsky is among the best in the nation. The firm’s 63+ years of combined legal experience handling insurance and employee benefits cases has demonstrated a proven track record and has resulted in numerous precedent-setting cases in various U.S. Courts of Appeals.

Any one of our seasoned attorneys can handle your case through every step of the claim process, claim appeals, and litigation. We have dealt with near every major insurance company on issues involving long-term care insurance and know how to handle your claim to achieve the best possible results efficiently and effectively.

Collecting The Benefits You Deserve

We put our clients first, and we are dedicated to our work. We are ready to take on cases where long-term care insurance companies have denied benefits for clients seeking in-home assistance, and coverage for care in assisted living and other senior care and skilled nursing facilities needed to perform activities of daily living.
We can hold your insurance company accountable for bad faith insurance practices, violations of state and federal laws, and delay or denial of reasonable claims.

Know Your Rights

Understand your rights, and speak with an experienced LTC Insurance attorney who can stand up for your benefits.

Does This Apply to You?

Contact DeBofsky Law for an attorney consultation. We will work with you to figure out your problem, and how we can help.

Contact us today!

You paid your long-term insurance premiums. You kept your end of the bargain. We’ll make sure your insurance company does the same.

These are some of the issues that frequently arise in the long-term care context: 

  • Large increases in premiums that appear contrary to the promises that were made about premium increases when the policy was purchased
  • How to qualify claimants to meet the policy requirements needed to be eligible to receive benefits


  • Making sure that all qualifying services are reimbursed
  • Securing coverage for senior care in assisted living facilities, community care facilities, and nursing care facilities, as well as coverage for the assistance of home health care aides and aides within facilities
  • Obtaining benefits for memory care
  • Challenging coverage defaults for non-payment of premiums due to dementia

At DeBofsky Law we can help you with all these issues and others as they may arise.

Insurance Benefits Lawyers with a Nationwide Practice

DeBofsky Law is proud to be the one of the largest plaintiff-side employee benefits practice in the United States.  We operate on a national level and have served clients from coast to coast. Using the latest video and other technology, we make sure our clients receive face time, no matter their location.  We have also cultivated relationships with local counsel throughout the country so that we can see your case through, from start to finish.

LTC Insurance Attorney - better care

“Your dedication to your clients is truly evident.”

“Marie, I am truly at a loss for words. Your support has been overwhelming to me. Your dedication to your clients is truly evident. Your kindness, respect and compassion that you exemplify and have personally shown me will never be forgotten. We are truly grateful to you, Mr. DeBofsky and Matthew.”

Kathy M | Client

Learn More About Long-Term Care Insurance to Protect Your Rights

What Steps Can I take if My Claim for Long-Term Care Insurance Benefits Is Denied?

What Steps Can I take if My Claim for Long-Term Care Insurance Benefits Is Denied?

Long-term care (LTC) insurance is very complex. The requirements for receiving coverage are far more demanding than what is needed to qualify for long-term disability insurance – the insured needs to be unable to perform or needs substantial assistance to perform at least two basic activities of daily living such as feeding oneself, dressing, showering or bathing, toileting, or transferring from a seated to standing position or vice versa. Alternatively, a substantial cognitive impairment would qualify someone to receive long term care insurance benefits. […]

Common Problems People Encounter When Seeking Long-Term Care Benefits

Given the high cost of nursing home care, assisted living, or home health care, many people have purchased long-term care insurance with the expectation that it will cover the costs of their care should they ever need such services. Unfortunately, those expectations have not always been met because insurance companies have challenged claims and shown reluctance to pay benefits under long-term care policies.

Contact Us to Get Started on Your Long-term Care Insurance Case

Whether this is your first filing or you need an appeal, we’ll review your case, and work with you to get it resolved in your favor. It’s your money. Let’s get you justice.

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