Long Term Care

Long Term Care (“LTC”) Insurance has been one of the fastest-growing types of insurance sold in recent years and many companies now offer LTC policies. These policies are typically purchased privately outside of the employment setting and are governed by state law, which typically provide a broader array of damages for policyholders than do policies that are governed by the Employee Retirement Income Security Act (“ERISA”) (see the “FAQs” section of our website for more information on LTC policies and ERISA).

California law implies in every insurance contract the covenant of good faith and fair dealing, also more commonly known as insurance bad faith. If an insurer denies an insurance claim and does so by engaging in bad faith conduct (see the “FAQs” section of our website for more information on what actions constitute bad faith), a policyholder may sue for policy benefits due under the policy, “consequential damages” that are caused by the bad faith conduct, emotional distress, punitive damages, attorneys’ fees and interest on past-due benefits (typically at the legal rate of 10%). LTC insurance policy denials are on the rise as companies seek to avoid losses.

We have had extensive experience litigating ERISA and insurance bad faith cases involving life, health and disability claims. No attorneys in California are better suited than we are to litigate your insurance claims. We can and will aggressively litigate your case to achieve maximum success.

Call or email us for a free consultation.