Unwavering Strength. Unmatched Advocacy.
We Fight for Your Long-Term Care Benefits.
Decades of Experience. Proven Results. We Fight for Every Dollar You Deserve.
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Why Choose Steven M. Dunn, Attorney at Law
Decades of Dedicated Experience Protecting Long-Term Care Policyholders
When insurance companies delay, undervalue, or wrongfully deny your long-term care insurance (LTCI) benefits, track records matter. Attorney Steven M. Dunn brings decades of specialized legal expertise strictly focused on holding insurance carriers accountable. We don’t accept bad-faith denials or lowball offers—our legal team is built to fight for every single dollar your care requires.
Top-Tier Legal Representation with Zero Upfront Fees
Exceptional legal representation should never be out of reach when your family is facing a health crisis. Operating on a strict contingency fee basis, you pay $0 out-of-pocket to get started. We cover the cost of handling your claim, and we only get paid if we successfully secure or reinstate your benefits.
Inside Knowledge of Long-Term Care Insurance Tactics
Long-term care insurance companies routinely use complex policy language, rigid eligibility criteria, and tedious administrative hurdles to avoid paying valid claims. We know their exact playbooks—from questionable ‘activities of daily living’ (ADL) assessments to bureaucratic stalling. We leverage this deep industry insight to counter their tactics, cut through the red tape, and maximize your payout.
Frequently Asked Questions
How much does it cost to hire Steven M. Dunn, Attorney at Law?
It costs nothing out-of-pocket to hire us. We handle long-term care insurance cases on a contingency fee basis. We manage the investigation, document retrieval, and legal filings upfront, and we only collect a fee if we successfully recover or restore your long-term care benefits. If you don’t get paid, we don’t get paid.
What should I do immediately after my long-term care insurance claim is denied?
First, request a full written copy of the denial letter and your complete insurance policy from the insurance carrier. Next, document all medical conditions, physician statements, and daily care needs (ADLs). Finally, contact Attorney Steven M. Dunn before filing an internal appeal or speaking further with the adjuster, as initial appeals often form the official evidentiary record for future litigation.
The insurance company says my care level isn't 'medically necessary.' Should I appeal on my own?
We strongly advise against appealing on your own without legal counsel. Insurance companies often rely on their own hired medical reviewers to declare that assisted living, nursing home care, or home health aides aren’t ‘medically necessary’ or that you don’t meet the threshold for Activities of Daily Living (ADLs). An experienced long-term care attorney can help gather objective medical evidence to refute their claims.
How much is my long-term care insurance claim worth?
The value of your claim depends on your policy limits, daily/monthly benefit maximums, elimination period requirements, and the scope of care needed (in-home care, assisted living, or memory care). During your free consultation, we will review your policy details to give you an accurate assessment of what benefits you are entitled to receive.
What if another attorney or advocate told me I don’t have a strong case?
Don’t give up. Steven M. Dunn, Attorney at Law, is known for taking on highly complex insurance disputes, and we frequently secure full benefits for policyholders who were previously turned away or stalled by insurance red tape. Contact us for a specialized second opinion—we know how to find paths to justice where others see dead ends.
How long do I have to appeal or take legal action against a long-term care insurer?
Deadlines vary depending on whether your policy is governed by state insurance laws or federal ERISA laws. Additionally, strict administrative appeal deadlines (often as short as 60 to 180 days from receiving a denial letter) apply. Because missing a deadline can permanently bar you from receiving benefits, it is crucial to consult an attorney immediately upon receiving a denial.