Hoyt and Blewett PLLC handles claims for long term disability insurance benefits in Montana. As Montana long term care attorneys we have helped numerous disabled individuals recover the insurance benefits they are owed. Many long-term care insurance companies rely on complex and ambiguous policy language to deny legitimate claims for insurance benefits. However, under Montana law, any ambiguous term in an insurance policy will be construed against the insurance company. In order to collect benefits under a long term care insurance policy, the claimant does not necessarily have to be fully disabled, bedridden or relegated to a nursing home.
Many long term care insurance claimants live independently, but require assistance with certain aspects of daily living. Other claimants have developed psychiatric illnesses, such as dementia, Alzheimer’s, schizophrenia, which qualify them for insurance benefits as a result of the constant supervision they require.
The unfair claims handling practices of certain long term care insurers were subject to an in-depth expose by the New York Times several years ago. This investigative report featured a women from northern Montana who purchased a long term care policy from a door-to-door salesman only to have the insurer wrongfully deny her insurance claim after her doctors determined that she needed to move into an assisted living facility. Unfortunately, many insurance consumers have been subjected to similar treatment from long term care insurers.
In order to obtain the insurance benefits under the terms of a long-term care policy it is important to have a trial attorney who has a well-established record of taking insurance companies to court and obtaining jury verdicts. If you or a loved one is struggling to obtain the insurance benefits under a Montana long-term care insurance contract, please contact the Montana long term care insurance claim lawyers at Hoyt and Blewett PLL for a free consultation.