Long-Term Care Insurance

Millions Of Dollars Recovered For Bad Faith Insurance Denials

Fighting For The Long-Term Care Benefits You Need

If your doctor believes that you are in need of home health care services or that you require admittance to an assisted living center, your long-term care policy gives you the right to file a claim with your insurance company. However, you may find that actually receiving the benefits you paid for is harder than it looks.

That is where Mansell & Engel comes in. With more than a century of combined experience, our Oklahoma lawyers know how to successfully fight for the benefits you deserve. We have recovered millions of dollars for victims of unscrupulous insurance companies and developed a reputation for real results nationwide.

“I find great satisfaction in holding insurance companies accountable and helping ensure that they treat people fairly. Every case we win acts as a force to prevent the insurance companies from taking advantage of other individuals in the future.” – Attorney Mark A. Engel

A Denied Claim May Simply Be A Ploy

The insurance company’s typical strategy is to claim that you are not entitled to benefits because of the type of care you are receiving. This is often just a ploy for the company to save money. Some common reasons given for a denied claim include:

Nursing assessments do not show cognitive impairment or need for assistance with daily living
The nursing facility you selected does not fit the insurance company’s definition of a “nursing home”
The insurance company requires unreasonable documentation or offers an unreasonable interpretation of your insurance policy

The odds are that you are entitled to your long-term care benefits. That is the whole reason you carried the policy for so many years – so that now, when you need it, you could receive nursing care and assistance. Trust Mansell & Engel to be your strong advocate and stand up for your rights.

You May Be Eligible For Extra Money Called "Punitive Damages"

If your insurance company acted in bad faith and wrongly denied your claim, you are likely entitled to not only the policy benefits, but also punitive damages. These punitive damages are essentially extra money awarded to you in order to motivate the company to treat other policyholders fairly in the future.

Frequently Asked Questions On Claim Denied For Long-Term Care

When long-term care insurance benefits are denied, it can be stressful and financially draining. Here are answers to common questions from clients dealing with denied long-term care benefits.

What steps should I take if my long-term care benefits are denied in Oklahoma?

If your claim has been denied, it is important to act quickly and follow the right steps to preserve your right to appeal. We recommend:

Request a written explanation of the denial. Insurance companies are required to give you reasons for their decision.
Review your policy carefully to understand what services are covered and what the insurer may be disputing.
Gather supporting records, such as medical assessments, care plans and provider documentation.
Speak with an attorney who handles insurance disputes. We can identify whether the denial is valid or if you have grounds for an appeal.
Submit a formal appeal within the deadline listed in your denial letter.

The sooner an attorney gets involved, the better the chance of reversing the denial before it causes further delay or hardship.

What evidence do I need to support my claim for long-term care benefits?

Strong documentation is the key to a successful claim. You should collect:

Medical records showing a need for assistance with daily activities like bathing, dressing or eating
Physician statements or evaluations confirming your condition
A detailed care plan from a licensed provider
Invoices or service logs from caregivers or facilities
A copy of your insurance policy and benefit eligibility details

We help organize and present this evidence clearly and persuasively.

How can I prevent my long-term care claim from being denied in the first place?

While some denials are unavoidable, you can lower the risk by:

Carefully reviewing your policy before starting care
Confirming that the provider or facility meets your policy’s requirements
Keeping clear, consistent records of all care and services
Submitting complete, accurate paperwork upfront

Even when you do everything right, insurers may still unfairly deny your claim. If that happens and you are in Oklahoma, our lawyers are ready to help. Mansell & Engel will protect your benefits and peace of mind.

Talk With One Of Our Attorneys Absolutely Free

For a free consultation about your long-term care insurance dispute and your legal rights, call Mansell & Engel at 405-232-4100. You can also email our Oklahoma City office. We only get paid if we are successful on your behalf, so you have nothing to lose.

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