The language in a long-term care insurance policy can feel like a puzzle, with each definition shaping when benefits begin, how much is covered, and what types of care qualify. When policy terms and language becomes a barrier to recovering benefits, or an insurer’s interpretation feels unjust or skewed, having a long-term care insurance claim […]
Long-term care insurance has become increasingly complex in 2026, with families across California and nationwide facing new challenges when filing claims or purchasing policies. At Kantor & Kantor, LLP, we’ve observed significant shifts in how insurance carriers handle long-term care benefits—changes that directly impact policyholders who have paid premiums for years, expecting coverage when they […]
As a caregiver, few things are more frustrating than watching your loved one struggle with daily tasks while their long-term care (LTC) insurance company denies the benefits they desperately need. You’ve paid premiums for years, followed the rules, and submitted all the required paperwork—yet the claim was rejected. If this sounds familiar, you’re not alone. […]
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 […]
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. […]
Planning for the future is never easy. It is one of those things we know we should do, but it often gets pushed to the back burner. If you are in your fifties or early sixties, you might think, I am healthy now—why should I worry about something that may not even happen? It is […]
Long-term care (LTC) insurance is designed to provide financial peace of mind, ensuring that you or your loved ones can afford the care needed later in life. But with inflation driving up the costs of care, the premiums for these policies have been steadily climbing. The issue becomes even more complex when you consider that […]
Your loved one living with Alzheimer’s disease deserves care. Learn about resources that support the process of filing a long-term care insurance claim.
1. My parents have a long term care policy. What kind of insurance benefits are they entitled to? Generally, long term care insurance provides benefits to pay for care when one is no longer able to perform “activities of daily living” or has a “severe” cognitive impairment. The type of benefits provided depends upon the […]
