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Individual and Group Long-Term Disability Insurance Companies Play Games With Your Claims

Posted July 19, 2018

If you’re one of many fortunate Americans, you have paid for your own individual long-term disability coverage, or you have a policy provided by your employer. Having an individual or group long-term disability policy in place gives some much-needed peace of mind—if something happens and you can no longer perform the important duties of your […]

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Understanding Alzheimer’s Disease as a cause of long-term care claims

Posted November 17, 2017

The need for long-term care is expected to rise. According to the U.S. Department of Health and Human Services, 70 percent of people who reach age 65 will need LTC services at some point in their lives. Even more troubling is the prediction that the prevalence of Alzheimer’s will rise as well. More than five […]

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Common Causes of Long-Term Care Insurance Claims

Posted October 30, 2017

According to the U.S. Department of Health and Human Services, 70 percent of Americans who reach age 65 will need LTC services at some point in their lives. Unfortunately, many Americans underestimate the likelihood of developing a disability or chronic condition that requires long-term care, and therefore do not acquire long-term care insurance. Lincoln Financial […]

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Policy reinstated: A welcome update to a difficult story

Posted July 28, 2017

We recently discussed how payment by check is a method not going away anytime soon despite technological advances. Though no longer the only payment format, checks are still preferred by many business owners – from landlords to utility companies. As people write fewer checks in this high-tech age, consumers are more prone to costly drafting […]

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What are my options for long-term care?

Posted July 21, 2017

We previously discussed why it’s so important to undertake long-term care (LTC) planning sooner rather than later. We also talked about how the unfamiliar language of LTC policies can make considering the coverage a challenge. Today we continue by helping you plan for your golden years. Specifically, we will examine the many options and price ranges available […]

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Are you fluent in long-term care?


The idea of sitting down to plan for long-term care is not appealing to many individuals. The reluctance often stems from worries about shortages ofmoney or the thought of dying. Some people are unwilling to address a possible issue when it seems to be in the distant future. People need to realize that long-term care […]

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The importance of checking your work

Posted July 14, 2017

Technology has advanced considerably in terms of payment options. All it takes to complete various transactions is now a swipe, scan or click. However, many of us are still reaching for our checkbooks because everyone from landlords to daycare providers are reluctant to abandon this old-fashioned payment method. As we get further away from checking’s hay […]

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Is a reverse mortgage really a viable alternative to a long-term care policy?

Posted June 30, 2017

Individuals in their 50s and 60s who are close to retirement feel both excitement and trepidation. The former relates to leaving the workforce, while the latter relates to longevity of assets. People have rightful concerns about health care expenses rapidly consuming their retirement savings. Is long-term care (LTC) insurance the answer? Experts aren’t always sold […]

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Consider these steps when filing a claim for long-term care benefits

Posted June 23, 2017

On behalf of DarrasLaw posted in Long-Term Care Insurance on Friday, June 23, 2017. We’ve explored why insurers are reluctant to pay claims and the questionable tactics they use to justify denials. Our intent was to embolden policyholders, but it’s possible that you now have some uncertainty about your coverage. It’s important to remember that not […]

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Why insurers deny long-term care benefits – II

Posted June 22, 2017

Care costs for the elderly are steadily increasing. Long-term care expenses not only includes medical outlays, but also the cost of living. While Medicare can be relied upon for some healthcare payments, there is no such guarantee in getting imbursements to cover living expenses. Incorporating long-term care insurance into retirement planning is a wise decision. Coverage can […]

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DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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