from our blog

February 10, 2021

Seatback Failures

Front occupant seatbacks play a vital safety role in rear-end crashes, similar to the purpose of airbags and seatbelts in frontal impacts. In a rear impact, a front seat should be designed to absorb energy and contain the occupant in the front seating space. Weak, defective front seats can fail, collapse and cause front occupants […]

Disability and Long Term Care
Insurance Lawyer in Phoenix, Arizona

The Law Offices of Shane L. Harward, focusing on Arizona Insurance Law

Long term insurance policy disputes in Arizona require an attorney with experience in the complex area of Arizona Insurance Law. Whether care is provided in a private home, in an assisted living facility, or nursing home, insurance companies may deny long term insurance coverage claims with a variety of unfair, unclear, or untrue justifications. When an insurance company is unfairly treating a long term insurance policy claim, they may be practicing insurance bad faith. This is against the law in Arizona.

Every policyholder deserves the promises of the insurance they purchased. When the policyholder is in a vulnerable position, they should be able to count on the insurance company to cover their Long Term Insurance policy claim. Too often, insurance companies refuse to pay and do not treat policyholders fairly. Arizona’s Insurance Bad Faith Law may be violated when an insurance company

Raises guaranteed rates on long term care insurance policies
Insists on minimal levels of care or underpays a claim
Practices Failure to Investigate and Fairly Evaluate Claim
Conducts post-claim underwriting to deny claims after “discovering” pre-existing conditions
Refuses inflation protection
Creates countless bureaucratic barriers
Disallows renewal of policy
Demonstrates Insurance Agent Error / Insurance Producer Malpractice

Policyholders should have peace of mind knowing their long term care policies will be honored

Long term care can cost thousands of dollars a month. Long Term Care Insurance policy should help with these essential costs. But when benefits are needed most, the insurance company may do anything but reassure the policyholder. Asserting that the policyholder had pre-existing conditions that justify denial; processing claims slowly; or making the claims filing process absurdly difficult are just some of the strategies that insurance companies use to get out of paying on claims. These and other tactics are discussed at the Insurance Bad Faith Overview page.

You can have an Arizona insurance bad faith lawyer on your side

Since 1995, Shane L. Harward has been on the insurance policyholder’s side in countless insurance policy claim disputes. If the insurance company is not treating you fairly—treatment Arizona law requires—you may have a case against the insurer. Contact the Law Offices of Shane L. Harward for a phone consultation.