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Long Term Disability Insurance

A Long Term Disability Lawyer in NYC Who Wins Long Term Disability Insurance Claims

Long term disability insurance policies vary widely in coverage. Moreover, many legal issues have yet to be resolved by the courts. As your long term disability lawyer can tell you, ailing, aged or incapacitated individuals and their families are devastated every day when their insurance carriers tell them that necessary long term care benefits are not covered by the expensive long term care policy they purchased. And these are the policies they have been paying heavy premiums for years and years.

A major reason for these insurance denials is that insurers are relying on the “wimp” factor. This is common malady with insureds. However, it is more likely to be a factor as people grow older and become more infirm. Many legitimate claims are never paid because insureds choose not to challenge a denial of benefits by an insurance company. Insurance companies love to take advantage of policyholders who take “no” for an answer. This is the case even when the denial of benefits is wrongful. The lesson is clear: do not accept “no” without challenging it.

long term disability insurance, long term disability lawyerExperienced Long Term Disability Lawyer in NYC

Mike Quiat is a leader in this burgeoning field of law. As a New York long term disability lawyer, he offers more than 30 years of experience in litigation and insurance law. If you have an inkling that you or a family member is being denied benefits when your policy calls for them, Contact Uscher, Quiat, Uscher & Russo, P.C. immediately.

Long Term Care Insurance

Long term care (LTC) insurance plans were devised to assure high quality care when a person needs it most. Policyholders and those thinking of buying an LTC policy should be sure that the terms of their policies permit them to choose an inpatient facility or an at-home care plan so as to avoid state-run nursing homes. Proper long term care policies also eliminate the need to get rid of personal assets so as to qualify for Medicaid. This is because a good LTC policy largely negates the shame and indignity of having to “qualify” for Medicaid.

Most policies cover 24-hour care and other needs:

  • Nursing homes
  • Assisted living facilities
  • Home health aides Medical equipment

But, these policies also include exclusions and limitations which can sink a claim before it even starts. For more help in ascertaining your needs and how to time your purchase of an LTC policy take a look at this article.

Why Insurers Sometimes Deny Claims

Often the fine print in your LTC policy or the way the insurer interprets the policy language results in a denial of benefits. For instance, some policies will reimburse a family member who is willing to provide home care, but many do not. This forces families to give up care of their loved one to strangers. Or, the insurer deny payment for medical necessities, such as home appliances, wheelchairs, assisted transportation, lifts or home improvements to meet certain medical requirements.

Many times the insurer hangs its denial on a report provided by the policyholder’s doctor. Busy physicians don’t always take the time to fully and completely explain a patient’s condition. When that happens, an experienced LTC lawyer sees to it that the doctor’s report fully describes the policyholder’s medical status relative to the need for long term care.

When your claim is denied, Mike Quiat examines the specifics of your LTC policy and advises you on the best course of action. Some insurers negotiate. Other insurance companies take a hard stand, necessitating litigation. Mike Quiat is a veteran trial lawyer. He has had successful experience on behalf of clients against most major insurance companies.

To Assure The Best Long Term Care For Your Loved One, Make Arrangements With a Long Term Disability Lawyer in NYC

We have many years of experience in the long term disability insurance laws of New Jersey and New York. Long term disability lawyer Mike Quiat can review an LTC policy if you are planning for care. Or he can represent you vigorously if a claim has been denied.

Responsive Legal Representation Offices in  NJ: 1-800-797-5575

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What Our Clients Say

  • Mr. Quiat was very specific about my options, chances of a successful appeal, and the costs of same. We did discuss the possibility of taking […]

    ~ Kevin

    unum disability claims
  • Mr. Quiat, and his Team were able to re-instate my disability benefits discontinued by Aetna Insurance. Mr. Quiat was always available, and responded quickly to […]

    ~ Carlos

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  • Mr. Quiat . Is thorough , pleasant to work with . He exhibits complete competency of his profession . I would highly recommend him . […]

    ~ Insurance Client

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  • Mike took the time in our initial meeting to truly understand my situation and what I was up against. He listened to my concerns and […]

    ~ Kevin

    unum disability claims
  • As I was facing some of the most difficult times of my life with seemingly no way out, I was most fortunate to meet Michael […]

    ~ Long Term Disability Client

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  • HE IS THE BEST!!!! He listened very intently to me and took copious notes. At the end of my meeting with him I knew that […]

    ~ Arbitration Client

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  • GREAT ADVOCATE, CARING, HIGHLY ATTENTIVE, NOT GREED DRIVEN.
    Michael Quiat handled my long term disability case and did so in a very caring manner. […]

    ~ Barbara

    unum disability claims
  • TOP OF THE LIST OF ATTORNEYS Mr. Quiat responded to all of my phone calls and emails in a timely manner. Mr. He is very […]

    ~ Insurance Client

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  • SOLID EXPERTISE Solid expertise… Very responsive in client concerns\Effective advocate in handling interactions with opposing party.

    ~ Employee Benefits Client

    unum disability claims
  • THE MOST RESPONSIVE ATTORNEY Mike stands out as the most responsive attorney…He always made it as easy as possible for me to get things done, […]

    ~ Insurance Client

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  • EXTRAORDINARY ATTORNEY Mike Quiat is an extraordinary attorney…His extensive experience and expertise was instrumental in obtaining and maintaining my LTD benefits… The compassion he showed […]

    ~ LTD Client

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  • WE NEVER HAD TO GO TO COURT Mr. Quiat took over the case, and, due to a combination of his meticulous attention to detail in […]

    ~ Insurance Client

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  • EXCELLENT!They were very professional, responsive to my questions, and successfully represented me with my claim. I would highly recommend Michael Eli Quiat and Joe Russo […]

    ~ LTD Client

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  • WELL PREPARED AND PRESENTED Mr. Quiat’s appeal on my behalf was so well prepared and presented there is no doubt something like this is best […]

    ~ Insurance Client

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  • MIKE GOT RESULTS I’ve worked with many attorneys over the course of my business career. Mr. Quiat is not only knowledgeable and capable, but also […]

    ~ Insurance Client

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  • WE SUED AND WON… My disability insurance company stopped paying me. We sued and won and Mike got my payments reinstated… I trusted Mike completely, […]

    ~ Insurance Client

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  • GENUINE CONCERN FOR THE CLIENT I have personally seen Mike Quiat in action on ERISA long term disability cases. Mike takes a personal interest in […]

    ~ Insurance Client

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  • I NEVER HAD A PROBLEM… I have found him to be experienced, knowledgeable, but not over-bearing … I never had a problem getting appointments, reaching […]

    ~ Employee Benefits Client

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  • THE HIGHEST REGARD… Michael and his staff have always been very professional, polite, and well informed. … I have nothing but the highest regard for […]

    ~ Contracts Client

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  • RESPECT AND COMPASSION… I was very scared, anxious, intimidated and unsure of how to handle a particular disability insurance claim with a big company.Mike immediately […]

    ~ Arbitration Client

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  • “CAN DO” ATTITUDE… When my wife and I met Mr. Quiat my life was in turmoil. Mike sat us down and very calmly listened …When […]

    ~ Insurance Client

    unum disability claims
unum claims New York ERISA Attorney

Professional Affiliations

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