Facing a Long-Term Care Crisis And No Help From Your Insurance?

Long-term care insurance policies have been heavily marketed since the 1990s, promising to provide financial support for individuals who can no longer perform the activities of daily living independently. However, the reality often falls short of these promises. 

Thousands of aging individuals and their families discover, only when care is urgently needed, that their long-term care insurance policy doesn’t deliver the benefits they expected. Claims are delayed, underpaid, or flat-out denied, just when families are navigating a medical or cognitive crisis. 

At DL Law Group, we are proud to advocate for individuals and families across San Francisco and the greater Bay Area who are struggling with wrongfully denied long-term care claims. With over 80 years of combined legal experience, our attorneys have built a strong reputation for taking on the largest insurance companies in the country and holding them accountable. 

We’ve helped clients recover tens of millions of dollars in verdicts and settlements because we know how critical these benefits are when your independence or your loved one’s care is at stake. 

Why Long-Term Care Coverage Matters 

Long-term care insurance exists to alleviate the financial burden of extended care in settings such as nursing homes, assisted living facilities, or at home. These policies typically help cover costs related to: 

• Personal care assistance (bathing, dressing, going to the bathroom, etc.) 
• Skilled nursing or therapy 
• Memory care for dementia or Alzheimer’s 
• In-home support from caregivers 
• Residential care facilities 

In San Francisco, where elder care costs can exceed $10,000 per month, long-term care benefits often make the difference between receiving proper support and going without critical care. Denial of these benefits can put immense emotional and financial strain on individuals and families who are already vulnerable. 

Long-Term Home Care: Aging with Dignity in Familiar Surroundings 

For many San Franciscans, staying at home while aging is not just a preference, it is a necessity. It’s a vital part of maintaining independence, comfort, and dignity. Long-term care policies often include coverage for in-home care. This type of care allows individuals to remain in familiar surroundings, maintain routines, and stay close to loved ones. 

Unfortunately, insurance companies frequently dispute these claims. They may argue that the care provided doesn’t meet policy definitions or that caregivers aren’t “qualified” under narrow contractual standards. At DL Law Group, we fight back against these tactics. We work to ensure you or your loved one can access long-term home care benefits without unjust barriers, because aging with dignity shouldn't require a legal battle. 

Common Reasons for Denied Long-Term Care Claims 

Insurance companies are aware that long-term care is expensive, and many have significantly underestimated the amount they'll need to pay out. In response, they’ve turned to increasingly aggressive tactics to avoid honoring their commitments. 

Common reasons used to deny claims include: 

• Arguing that the policyholder is not “functionally impaired” enough 
• Claiming the facility or caregiver is not “eligible” under the policy 
• Requiring outdated or unreasonable documentation 
• Failing to conduct proper investigations 
• Rescinding the policy based on alleged misstatements made years ago 

Too often, families accept these explanations without realizing they have the right to challenge the denial and that insurers can be held accountable for bad faith conduct. 

Why Work with DL Law Group? 

Our San Francisco-based attorneys have deep experience in long-term care insurance litigation, including complex disputes involving memory care, degenerative conditions, stroke recovery, and end-of-life care. We are familiar with the local healthcare system, including its providers and insurers, operating in the Bay Area. 

We don’t just fight back, we build strategic, evidence-based cases that force insurance companies to uphold their promises. 

When you work with DL Law Group, you receive: 

• One-on-one attention from experienced attorneys 
• Honest assessments and strategic advice 
• Aggressive representation against national insurers 
• Peace of mind knowing we don’t get paid unless you do 

We know how difficult it is to advocate for yourself or a loved one while managing declining health, financial stress, and emotional overwhelm. Let us carry the legal burden for you. 

Conveniently Located to Serve San Francisco and the Bay Area 

Our office is located in the heart of San Francisco, just minutes from the courthouses. Whether you’re in the Marina, Noe Valley, the Mission, Daly City, Oakland, or San Jose, we are here to support you. We handle long-term care insurance cases throughout Northern California and beyond. 

We offer free, no-obligation consultations, and we’ll take the time to understand your situation truly. We believe everyone deserves to age with dignity, and no one should be denied the care they’ve spent decades planning for. 

Get the Benefits You Deserve 

If your long-term care claim has been denied, delayed, underpaid, or disputed, don’t wait. Insurance companies count on policyholders giving up. We won’t let that happen. 

Call 415-678-5050 or contact us online to schedule your free consultation with an experienced San Francisco long-term care insurance attorney. There are no upfront fees.   

At DL Law Group, your care, your dignity, and your future matter. Let us help you secure the benefits you were promised.