Serious injuries can lead to big long-term care needs, and special insurance coverage is often needed. It’s important for injured parties and their families to understand how insurance can help with these needs.
Unfortunately, issues often arise when dealing with insurance companies, especially after a catastrophic auto accident. Knowing what kind of coverage is available can make a big difference in handling medical expenses and rehabilitation costs.
Types of insurance coverage
Different types of insurance can help with long-term care after a serious injury. These include health insurance, car insurance, and long-term care insurance. Health insurance usually pays for medical treatments, hospital stays, and rehab. Car insurance might help if the injury was from a car accident. In Pennsylvania, personal injury protection (PIP) is required and can also help with some medical expenses, but it might not cover everything needed for long-term care.
However, getting the full benefits from these policies can be challenging, as insurance companies may try to limit payouts.
Long-term care insurance
Long-term care insurance helps cover the costs of care that other insurance doesn’t. This can include care at home, assisted living, or nursing homes. Pennsylvania requires insurance companies to provide certain protections, like making sure policies can be renewed, so people can keep their coverage when they need it. However, insurance companies may delay or deny claims, making it difficult for individuals to get the care they need.
Dealing with coverage limits
Insurance policies often have limits, which can be a problem for people who need long-term care. On top of that, insurance companies sometimes dispute claims or try to minimize their payouts. It is important to understand the specific limits of each policy.
People may need to look at other options, like Medicaid, to help pay for ongoing care. Talking to an experienced insurance or personal injury lawyer can help people understand their options and get the most out of their benefits.
Planning for long-term care after an injury
Planning for long-term care after a serious injury means knowing about different insurance options and understanding how to deal with potential issues with insurance companies.