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Can insurance companies deny long-term care insurance?

On Behalf of | Apr 27, 2023 | Insurance

If you have a long-term care insurance policy and you need to use it, you may expect your insurance company to pay for your care without any hassle. However, some Oklahoma insurance companies may deny your claim or delay your payments for various reasons.

This can be very frustrating and stressful, especially if you depend on your policy to cover your medical expenses. In some cases, this may also be illegal.

Insurance bad faith

Insurance bad faith is a term that describes when an insurance company acts unfairly or dishonestly towards its policyholders. For example, insurance companies may act in bad faith if it denies a valid claim without a reasonable basis, among many other reasons.

If you believe that your insurance company has acted in bad faith, you may have the right to sue them for damages.


Depending on the state laws and the circumstances of your case, you may be able to recover compensation for the benefits that you were entitled to under your policy. This is in addition to the costs of hiring an attorney to represent you, the emotional distress and mental anguish that you suffered and the punitive damages that are meant to punish the insurance company and deter future misconduct.

Not always easy

However, not every claim denial or delay is a sign of bad faith. Sometimes, there may be legitimate reasons why your insurance company cannot pay your claim or has to pay less than what you expected. For example, some common reasons why long-term care insurance claims are denied are you did not meet the age or health requirements.

Other factors include that you did not pay your premiums on time or in full, you did not submit the required documents or evidence to support your claim or you did not meet the criteria for qualifying as chronically ill or disabled.

Long-term care insurance

Long-term care insurance can be a valuable tool to help you pay for the care that you need when you are unable to perform the basic activities of daily living. However, if your insurance company denies your claim or treats you unfairly, you should not give up. You may have a valid case of insurance bad faith and be entitled to compensation.