Nationwide Representation For Long-Term Care Insurance

By 2030, nearly 70 million Americans will be over the age of 65. Many aging people are unable to care for themselves without some form of assistance.

Fortunately, as the need for long-term care increases, so does the awareness of long-term care insurance. Often referred to as LTC insurance, this type of coverage can protect against the potential financial consequences of a long-term illness or disability.

Did you know that the chances of a person spending at least 2.5 years in a nursing home are one in three? According to the U.S. Department of Health & Human Services, nursing home stays would cost nearly $100,000 based on average rates throughout the country. Depending on where you live, the cost could be as high as $75,000 per year.

Protecting Financial & Emotional Health

As more families face the prospect of paying for long-term care in the coming years, long-term care insurance can provide financial protection, emotional well-being and peace of mind. LTCI coverage can alleviate the potentially crippling fear of outliving your income and retirement savings.

Long-term care insurance can cover the cost of certain types of care if you need help with two of the six Activities of Daily Living (ADL) (or you have a cognitive impairment):

  1. Hygiene (grooming, shaving and oral care)
  2. Dressing
  3. Eating/feeding yourself
  4. Toileting (being able to use the restroom)
  5. Transferring (such as getting in and out of bed)
  6. Ambulating

However, it is important to remember that every policy is different, and the conditions for receiving long-term care insurance benefits may vary from company to company.

Understanding The Fine Print In Your Policy

Long-term care insurance policies have specific requirements you need to be aware of, which may include:

  • A policy may allow a family member to serve as caregiver; some require the caregiver to be a professional caregiver who is not a family member
  • Some policies allow you to continue living in your own home while you receive long-term care benefits, while others require a recipient of benefits to live in a facility.
  • Many policies will not offer benefits unless you are unable to perform, without assistance, two out of six activities of daily living or are cognitively disabled

Overcoming Insurance Company Obstacles

Unfortunately, long-term care coverage is only as valuable as your ability to obtain benefits when the need arises. Insurance companies have a history of unreasonable denials, acting in bad faith against older policyholders.

At DarrasLaw, we provide skilled representation coupled with a compassion borne from decades of experience pursuing insurance litigation.

Needing long-term care is a difficult change for any individual or family. No one should have to suffer the added insult of being denied the long-term care insurance benefits they paid for and rightfully deserve.

Our experienced attorneys are focused on minimizing the stress on your family, maintaining your personal dignity, and ensuring you receive the benefits you deserve.


Review: 5/5 – ★ ★ ★ ★ ★

“Jo-Ann, Just wanted to send you a note to thank you and the TEAM that helped me receive the funds I was due. I thought this was going to be a long drawn out thing with the insurance company but your team was super- fast on this. I will always remember your firm and if I hear of anyone else who needs your assistance. I know I can’t tell anyone about my deal but I will let them know there is real help at DarrasLaw. Tell everyone that I said hello and please thank them for me. Thank you Again!!!”

– LM

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Contact us today to find out how we can handle your legal issues so you can focus on your loved ones.

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Why Choose DarrasLaw?

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Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

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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