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Will you face difficulty with a long-term care insurance claim?

On Behalf of | Mar 3, 2022 | Insurance

Most Oklahoma residents understand the basic concept of any type of insurance – you pay a premium, usually monthly, and when a situation arises when you need that insurance coverage to be there to cover expenses, it does so. However, anyone who has ever submitted a claim to an insurance company – be it for health insurance, car insurance or any other type of insurance – probably knows that these companies don’t just say “sure, no problem,” when it comes to your claim. Difficulty and insurance coverage seem to go hand-in-hand.

So, will you face difficulty with your insurance claim? For those with long-term care insurance, the answer ultimately may be “yes.” You may have all the evidence in the world that you need to be admitted to a long-term care facility, nursing home or assisted-living center, but your long-term care insurance company will probably still grill you over the details of your supposed need.

Why is it so difficult?

Insurance companies, it seems, are basically making a bet – a bet that more of their customers will never need coverage than those who ultimately will. In that way, the insurance company makes its profits. As our readers can probably see, this is the basic concept of why an insurance company would fight your claim. The fewer claims they actually pay out, the more money they make.

At our law firm, we take pride in holding insurance companies responsible when they don’t treat their customers right. We fight for Oklahoma residents to get the insurance coverage they deserve. For more information, please visit the long-term care insurance coverage section of our law firm’s website.