Comprehensive vs. Non-Comprehensive Coverage in 2026 (Understand Your Options)
In a comprehensive policy, benefits are paid for service delivered in nursing facilities, assisted living facilities, adult day care centers, or at home...
Care Insurance Q & As
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What If I Miss A Premium Payment—Do I Lose My Insurance?
Long term care policies generally provide a 31-day grace period...
Do I need multiple policies to get enough coverage?
If you already have a policy, but the benefits are inadequate you should probably consider an additional policy rather than starting over with a replacement policy...
Return Of Premium
Many companies offer a return of premium option at an additional cost...
Restoration Of Benefits
Many policies have specific dollar maximums after which benefits are no longer payable...
Renewability
The provision of the policy, usually stated on the first page, that sets forth its term of coverage...
Incontestability
A provision in which your insurance company cannot contest your contract after it has been in force for a specified period of time...
Bed Reservation Benefit
Should you become hospitalized during a stay in a nursing home or assisted care facility, some policies will continue to pay benefits (for a period such as 21 days) to cover charges to reserve your ac...
What Is The Difference Between Benefits Paid On The Reimbursement Method And The Indemnity Method?
Under the indemnity method, once you are eligible to receive benefits, the company will pay you the amount specified in the policy, regardless of the cost of service...
Family Receives $7.5M after Hospital Administers Lethal Amounts of Radiation
An Illinois woman suffering from cancer was given an unfathomable 50% more radiation than prescribed on 17 different occasions which eventually led to her death. Her family sued the hospital for medi...
Family Receives $7.5M after Hospital Administers Lethal Amounts of Radiation
An Illinois woman suffering from cancer was given an unfathomable 50% more radiation than prescribed on 17 different occasions which eventually led to her death. Her family sued the hospital for medi...
How to File a Malpractice Claim
Malpractice lawsuits can arise from instances where a professional individual, a hospital, or organization made a serious error in providing a service that caused the client or patient physical or fin...
Is misdiagnosis considered medical malpractice?
Misdiagnosis can be medical malpractice when it is caused by the health care practitioner's medical negligence. That said, it is important to remember that doctors or other health care practitioners a...
My condo unit was recently flooded by my neighbor’s broken washing machine. My insurer says I have to ante up the $250 deductible. Why? It’s not my fault. The neighbors should pay.
Discussion of how to deal with your insurance company and problems in collecting damages from neighbor....
I underwent surgery that was later found to be unnecessary. Do I have a medical malpractice claim?
Unless there was no legitimate medical need for the operation, consent was procured by fraud, or the procedure departed from standard medical practice, a patient who undergoes unnecessary surgery will...
I underwent surgery that was later found to be unnecessary. Do I have a medical malpractice claim?
Unless there was no legitimate medical need for the operation, consent was procured by fraud, or the procedure departed from standard medical practice, a patient who undergoes unnecessary surgery will...
What happens if a hospital fails to obtain my informed consent?
Hospitals are expected to have policies in place in order to ensure that you give informed consent and if they do not have such a policy or if the policy is not followed, you may be able to hold the h...
Breaches of Doctor-Patient Confidentiality
Follow this link for a thorough explanation of how a breach of doctor-patient confidentiality could be considered medical malpractice. Doctor/patient confidentiality is essential to successful treatme...
Breaches of Doctor-Patient Confidentiality
Follow this link for a thorough explanation of how a breach of doctor-patient confidentiality could be considered medical malpractice. Doctor/patient confidentiality is essential to successful treatme...
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