Phoenix Long-Term Care Insurance Lawyer

When Phoenix families finally need the long-term-care (LTC) benefits they’ve paid premiums on for decades, insurers too often answer with delay tactics or outright denials. Dawson & Rosenthal, P.C. stands up for Arizona policyholders who’ve been stonewalled by bad-faith claim handling.

Why Phoenix Policyholders Trust Dawson & Rosenthal

At Dawson & Rosenthal, P.C., we take a firm stand against insurance companies that have unfairly denied insurance benefits to our clients. Here is what sets us apart:

70+ years of combined legal experience
Decades of focused expertise in bad faith insurance litigation
Selective caseload to ensure each client receives full attention
Fearless trial advocacy when insurance companies refuse to do the right thing

What Is Long-Term Care?

Long-term care refers to the support services people need when they can no longer perform basic daily tasks due to aging, illness, or cognitive decline. These services help with activities of daily living (ADLs), such as:

Bathing
Dressing
Eating
Using the toilet
Getting in and out of bed or a chair (transferring)
Managing continence

This type of care can be provided in various settings, including assisted living facilities, nursing homes, or at home with the help of professional or family caregivers.

What Is Long-Term Care Insurance?

Depending on the policy, long-term care insurance provides benefits for assisted living. Whether you need long-term care assistance in an assisted living facility, or at home from a formal or informal caregiver, long-term care insurance may cover those costs.

Do I Have Long-Term Care Insurance?

Carriers like The Prudential Insurance Company of America, CNA Insurance, and MetLife, all sold long-term care insurance policies. However, these private companies, and many others, stopped selling long-term care insurance around or before 2012.

If you bought a policy before then and continue to pay premiums, your long-term care insurance policy remains active. If you stop paying the premiums before the need arises, this means you likely do not have an active policy and will not be entitled to coverage.

Does My Mom or Dad Have Long-Term Care Insurance?

This can sometimes be difficult to find out, if a policy is lost and your parent (or spouse, friend, etc.) does not remember. If your mom or dad has or had a financial planner, accountant, tax consultant, these are good people to contact and ask. If you think there is a long-term care insurance policy, and you know the insurance company, you can call them to find out.

What Are Common Diagnoses That Require Long-Term Care?

Long-term care is often necessary when individuals develop serious medical conditions that impact their ability to manage daily life without assistance. These conditions may be physical, cognitive, or psychological, and they often result in a need for extended support with activities such as bathing, dressing, eating, toileting, transferring, and maintaining continence. Some of the most common diagnoses that lead to long-term care needs include:

Alzheimer’s Disease and Other Forms of Dementia
Cancer
Chronic Fatigue Syndrome (CFS)
Stroke
Parkinson’s Disease
Multiple Sclerosis (MS)
Mental Illnesses
Arthritis and Mobility Disorders

In each of these cases, the need for long-term care may arise gradually or suddenly, and coverage under a long-term care insurance policy may be essential to afford the services required. If your claim has been denied, especially in connection with one of these serious conditions, you may have grounds for a bad faith insurance claim under Arizona law.

Was My Claim (or Claim for My Mom, Dad, Spouse, Etc.) Wrongfully Denied?

Under Arizona law insurers owe you a duty of good faith and fair dealing. A denial is likely bad faith if the carrier:

Ignored clear medical evidence
Misrepresented policy language
Delayed without a reasonable basis

Bad-faith victims can seek benefit damages, consequential losses, emotional-distress damages, and punitive damages. Contact the Phoenix long-term care insurance lawyers from Dawson & Rosenthal, P.C. to schedule your free case evaluation.

Get the Legal Help You Deserve

If your long-term care insurance claim has been denied, delayed, or underpaid, don’t try to fight the insurance company alone. At Dawson & Rosenthal, P.C., our Phoenix long-term care insurance lawyers have decades of experience holding insurers accountable for bad faith practices across Arizona. We understand the physical, emotional, and financial toll these denials can take and we’re here to help you fight back.

Call (928) 282-3111 or contact us online today to schedule a free consultation. We’ll review your policy, assess your denial, and explain your legal options at no cost to you.

Phoenix Office

Dawson & Rosenthal, P.C. – Phoenix

(928) 282-3111

7012 N 18th St,

Phoenix AZ 85020