As the population ages, more individuals and families are facing the realities of cognitive decline, including dementia and Alzheimer’s disease. These conditions require specialized care that can be both emotionally and financially taxing. For many families, long-term care (LTC) insurance is a crucial resource. But a common question arises: Does long-term care insurance cover dementia […]
When navigating the complex world of long-term care (LTC) insurance, one term you may encounter is “lack of medical necessity.” This phrase can feel overwhelming and frustrating, especially in the context of claims denial. To help you understand what this term means and how it affects your LTC insurance, Kantor & Kantor, LLP, explores its […]
When you file a disability insurance claim, you expect your insurance company to honor the contract you have been faithfully paying premiums on for years. Unfortunately, the reality is often far different. Behind the scenes, insurance companies deploy sophisticated investigation tactics designed not to verify the legitimacy of your claim, but to find any possible […]
Dealing with a disability can be an arduous journey, one filled with emotional and financial strain. If you find yourself in the position of filing a disability claim, you may be surprised to learn that your insurance company could be closely monitoring your activities. The American Bar Association claims that surveillance in disability claims has […]
In today’s job market, understanding the relationship between employer-provided insurance and the Employee Retirement Income Security Act (ERISA) is essential for employees looking to navigate their benefits effectively. Employer-provided insurance may include health, disability, and life insurance, and ERISA regulates these plans, offering protections and guidelines designed to ensure employees receive their entitled benefits. What […]
In today’s world, awareness of various health conditions has undergone significant evolution. However, the recognition of ‘invisible illnesses’—health conditions that do not have visible symptoms—still faces substantial challenges, particularly in the realm of disability insurance. Conditions such as mental health disorders, autoimmune diseases, Myalgic Encephalomyelitis/Chronic Fatigue Syndrome (ME/CFS), and Long COVID can profoundly impact a […]
1st in a Series on Long-Term Care (LTC) As we grow older, many of us become acutely aware of the care needs and financial arrangements necessary for aging parents. Long-term care insurance (LTC) is designed to assist with the costs associated with various forms of assistance, including in-home care, assisted living, and nursing home facilities. […]
Experiencing the devastating impact of a wildfire can be life-altering. The emotional and physical toll is immense, especially when you lose your home. After the January 2025 California wildfires, many residents will start to pick up the pieces. Kantor & Kantor LLP Insurance Attorneys offer some tips to help you navigate the aftermath of this […]
The 2025 California wildfires destroyed over 11,000 homes and displaced more than 80,000 people. Kantor & Kantor LLP wants to educate wildfire victims about the best steps to take as they navigate the complexities of insurance claims and recovery. Here is a list of frequently asked questions about CA wildfire insurance claims. Homeowners’ Fire Insurance […]
As many are still grappling with the aftermath of the devastating LA wildfires, a common question emerges: “Do I need an attorney right away?” While it may seem like an understandable instinct to seek legal assistance following such a catastrophic event, the decision can be more nuanced than it appears. At Kantor & Kantor LLP, […]
