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Unwavering Strength. Unmatched Advocacy. <\/h1>\n

We Fight for Your Long-Term Care Benefits.<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ disabled_on=”off|off|off” module_class=”tt-inline-btn” _builder_version=”4.24.2″ custom_margin=”||||false|false” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”||30px||false|false” custom_margin_last_edited=”off|phone” custom_padding=”0px||0px||true|false” custom_css_main_element=”text-align: center !important;” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”tel:+3055061366″ button_text=”Call (305) 506-1366″ button_alignment=”right” button_alignment_tablet=”center” button_alignment_phone=”center” button_alignment_last_edited=”on|tablet” module_class=”tt-call-button” _builder_version=”4.24.2″ custom_margin=”||||false|false” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” 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Recent Case Results<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ max_width=”1280px” custom_padding=”0px||30px||false|false” custom_padding_tablet=”||15px||false|false” custom_padding_phone=”||15px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.24.2″ global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ background_color=”#0E1B36″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”105%|105%”][et_pb_blurb title=”$4,500,000″ use_icon=”on” content_max_width=”100%” _builder_version=”4.24.2″ _module_preset=”default” header_level=”h3″ header_text_color=”#CB9B49″ text_orientation=”center” background_layout=”dark” global_colors_info=”{}”]<\/p>\n

Commercial Truck Accident
Traumatic Brain Injury<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ background_color=”#0E1B36″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover=”105%|105%” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop”][et_pb_blurb title=”$2,100,000″ use_icon=”on” content_max_width=”100%” _builder_version=”4.24.2″ _module_preset=”default” header_level=”h3″ header_text_color=”#CB9B49″ text_orientation=”center” background_layout=”dark” global_colors_info=”{}”]<\/p>\n

Motor Vehicle Collision
Multiple Orthopedic Injuries<\/span><\/p>\n

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Slip & Fall Accident
Spinal Injury<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ background_color=”#0E1B36″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover=”105%|105%” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop”][et_pb_blurb title=”$900,000″ use_icon=”on” content_max_width=”100%” _builder_version=”4.24.2″ _module_preset=”default” header_level=”h3″ header_text_color=”#CB9B49″ text_orientation=”center” background_layout=”dark” global_colors_info=”{}”]<\/p>\n

House Fire
Severe Leg Fractures<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.24.2″ max_width=”1280px” custom_padding=”0px||0px||true|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.24.2″ global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ background_color=”#0E1B36″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover=”105%|105%” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop”][et_pb_blurb title=”$650,000″ use_icon=”on” content_max_width=”100%” _builder_version=”4.24.2″ _module_preset=”default” header_level=”h3″ header_text_color=”#CB9B49″ text_orientation=”center” background_layout=”dark” global_colors_info=”{}”]<\/p>\n

Dog Bite Injury
Permanent Facial Scarring<\/span><\/p>\n

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Rear-End Collision
Neck & Back Injuries<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” disabled_on=”off|off|off” module_id=”contact” _builder_version=”4.24.2″ background_color=”#f9f9f9″ background_enable_image=”off” background_position=”top_center” background_blend=”overlay” custom_padding=”80px||80px||true|false” custom_padding_tablet=”54px||54px||true|false” custom_padding_phone=”” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1280px” custom_padding=”0px||0px||true|false” custom_padding_tablet=”” custom_padding_phone=”” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text disabled_on=”off|off|off” admin_label=”Decades of Experience. Proven Results. We Fight for Every Dollar You Deserve.” _builder_version=”4.24.2″ text_font=”||||||||” header_text_color=”#082B59″ header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” text_orientation=”center” module_alignment=”center” custom_margin=”||1em||false|false” text_font_size_tablet=”16px” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_2_font_size_tablet=”” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Decades of Experience. Proven Results. We Fight for Every Dollar You Deserve.<\/h2>\n

[\/et_pb_text][et_pb_text disabled_on=”off|off|off” admin_label=”Form Text” _builder_version=”4.24.2″ text_font=”||||||||” header_text_color=”#082B59″ header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” text_orientation=”center” module_alignment=”center” custom_margin=”||||false|false” text_font_size_tablet=”16px” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_2_font_size_tablet=”” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Please fill out our easy online form below to learn how we can help protect your long-term care benefits today.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” background_enable_color=”off” custom_padding_tablet=”30px|20px|30px|20px|true|true” custom_padding_phone=”30px|20px|30px|20px|true|true” custom_padding_last_edited=”off|desktop” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” disabled_on=”off|off|off” _builder_version=”4.24.2″ background_enable_color=”off” background_enable_image=”off” background_position=”top_center” background_blend=”overlay” custom_padding=”80px||80px||true|false” custom_padding_tablet=”54px||54px||true|false” custom_padding_phone=”” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1280px” custom_padding=”0px||0px||true|false” custom_padding_tablet=”” custom_padding_phone=”” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text disabled_on=”off|off|off” admin_label=”Why Choose Steven M. Dunn, Attorney at Law” _builder_version=”4.24.2″ text_font=”||||||||” header_text_color=”#082B59″ header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” text_orientation=”center” module_alignment=”center” custom_margin=”||10px||false|false” text_font_size_tablet=”16px” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_2_font_size_tablet=”” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Why Choose Steven M. Dunn, Attorney at Law<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1280px” custom_padding=”30px||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” background_color=”#1F3A65″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#234375″ background_enable_color__hover=”on”][et_pb_blurb title=”Decades of Dedicated Experience Protecting Long-Term Care Policyholders” use_icon=”on” font_icon=”||fa||900″ icon_color=”#FFFFFF” image_icon_background_color=”#186A99″ image_icon_width=”30px” icon_alignment=”left” content_max_width=”100%” icon_placement_tablet=”” icon_placement_phone=”” icon_placement_last_edited=”on|phone” icon_alignment_tablet=”center” icon_alignment_phone=”center” icon_alignment_last_edited=”on|tablet” admin_label=”Decades of Dedicated Experience Protecting Long-Term Care Policyholders” _builder_version=”4.24.2″ _module_preset=”default” image_icon_custom_padding=”10px|10px|10px|10px|true|true” background_layout=”dark” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_radii_image=”on|5px|5px|5px|5px” global_colors_info=”{}”]<\/p>\n

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\u2019t accept bad-faith denials or lowball offers\u2014our legal team is built to fight for every single dollar your care requires.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” background_color=”#1F3A65″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#234375″ background_enable_color__hover=”on”][et_pb_blurb title=”Top-Tier Legal Representation with Zero Upfront Fees” use_icon=”on” font_icon=”||fa||900″ icon_color=”#FFFFFF” image_icon_background_color=”#186A99″ image_icon_width=”30px” icon_alignment=”left” content_max_width=”100%” icon_placement_tablet=”” icon_placement_phone=”” icon_placement_last_edited=”on|phone” icon_alignment_tablet=”center” icon_alignment_phone=”center” icon_alignment_last_edited=”on|tablet” admin_label=”Top-Tier Legal Representation with Zero Upfront Fees” _builder_version=”4.24.2″ _module_preset=”default” image_icon_custom_padding=”10px|10px|10px|10px|true|true” background_layout=”dark” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_radii_image=”on|5px|5px|5px|5px” global_colors_info=”{}”]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.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” background_color=”#1F3A65″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#234375″ background_enable_color__hover=”on”][et_pb_blurb title=”Inside Knowledge of Long-Term Care Insurance Tactics” use_icon=”on” font_icon=”||fa||900″ icon_color=”#FFFFFF” image_icon_background_color=”#186A99″ image_icon_width=”30px” icon_alignment=”left” content_max_width=”100%” icon_placement_tablet=”” icon_placement_phone=”” icon_placement_last_edited=”on|phone” icon_alignment_tablet=”center” icon_alignment_phone=”center” icon_alignment_last_edited=”on|tablet” admin_label=”Inside Knowledge of Long-Term Care Insurance Tactics” _builder_version=”4.24.2″ _module_preset=”default” image_icon_custom_padding=”10px|10px|10px|10px|true|true” background_layout=”dark” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_radii_image=”on|5px|5px|5px|5px” global_colors_info=”{}”]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\u2014from 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.[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” disabled_on=”on|on|on” module_class=”tt-faq-sec” _builder_version=”4.24.2″ background_color=”#0E1B36″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(14,27,54,0.85) 0%|rgba(14,27,54,0.55) 100%” background_color_gradient_overlays_image=”on” background_image=”http:\/\/cloud04.titletapsites.com\/theboltfirm\/wp-content\/uploads\/sites\/657\/2026\/08\/A-diverse-group-of-business-professionals-engaged-in-a-discussion-in-an-office.jpg” custom_padding=”80px||80px||true|false” custom_padding_tablet=”54px||54px||true|false” custom_padding_phone=”” disabled=”on” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row make_equal=”on” _builder_version=”4.24.2″ max_width=”1280px” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ global_colors_info=”{}”][et_pb_text disabled_on=”off|off|off” admin_label=”Something About Law Firm” _builder_version=”4.24.2″ text_font=”||||||||” header_text_color=”#082B59″ header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||10px||false|false” text_font_size_tablet=”16px” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_2_font_size_tablet=”” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”]<\/p>\n

See What Our Clients Say<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” module_class=”tt-testimonials-row” _builder_version=”4.24.2″ max_width=”1280px” custom_padding=”30px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_3″ module_class=”tt-row-center” _builder_version=”4.24.2″ background_color=”#FFFFFF” custom_padding=”45px|30px|45px|30px|true|true” custom_padding_tablet=”30px||30px||true|true” custom_padding_phone=”|15px||15px|true|true” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_testimonial quote_icon=”off” portrait_width=”0px” portrait_height=”0px” _builder_version=”4.24.2″ _module_preset=”default” background_enable_color=”off” use_background_color=”off” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

<\/i> <\/i> <\/i> <\/i> <\/i><\/span><\/p>\n

\u201cThey are just awesome! Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.\u201d<\/p>\n

Robert L.<\/strong>
Owner, Realty Company<\/p>\n

[\/et_pb_testimonial][\/et_pb_column][et_pb_column type=”1_3″ module_class=”tt-row-center” _builder_version=”4.24.2″ background_color=”#FFFFFF” custom_padding=”45px|30px|45px|30px|true|true” custom_padding_tablet=”30px||30px||true|true” custom_padding_phone=”|15px||15px|true|true” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_testimonial quote_icon=”off” portrait_width=”0px” portrait_height=”0px” _builder_version=”4.24.2″ _module_preset=”default” background_enable_color=”off” use_background_color=”off” text_orientation=”center” global_colors_info=”{}”]<\/i> <\/i> <\/i> <\/i> <\/i><\/span><\/p>\n

\u201cI am so thankful to them! Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.\u201d<\/p>\n

Lisa C.<\/strong>
\nHomeowner<\/p>\n

[\/et_pb_testimonial][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ background_color=”#FFFFFF” custom_padding=”45px|30px|45px|30px|true|true” custom_padding_tablet=”30px||30px||true|true” custom_padding_phone=”|15px||15px|true|true” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_testimonial quote_icon=”off” portrait_width=”0px” portrait_height=”0px” _builder_version=”4.24.2″ _module_preset=”default” background_enable_color=”off” use_background_color=”off” text_orientation=”center” global_colors_info=”{}”]<\/i> <\/i> <\/i> <\/i> <\/i><\/span><\/p>\n

\u201cCannot say enough good things about them! Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.\u201d<\/p>\n

Jason S.<\/strong>
\nAgent, Five Peaks Bank<\/p>\n

[\/et_pb_testimonial][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” disabled_on=”off|off|off” module_class=”tt-faq-sec” _builder_version=”4.24.2″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,0,0,0.65) 0%|rgba(0,0,0,0.5) 100%” background_color_gradient_overlays_image=”on” background_image=”http:\/\/cloud04.titletapsites.com\/smdunnlaw\/wp-content\/uploads\/sites\/662\/2026\/08\/depositphotos_193555700-stock-photo-close-partial-view-businessman-using-1.jpg” custom_padding=”0px||0px||true|false” custom_padding_tablet=”0px||0px||true|false” custom_padding_phone=”” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|tablet” _builder_version=”4.24.2″ custom_padding=”70px||70px||true|false” custom_padding_tablet=”54px||54px||true|false” custom_padding_phone=”54px||54px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ global_colors_info=”{}”][et_pb_text disabled_on=”off|off|off” admin_label=”FAQs” _builder_version=”4.24.2″ text_font=”||||||||” header_text_color=”#082B59″ header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||30px||false|false” text_font_size_tablet=”16px” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_2_font_size_tablet=”” header_2_font_size_phone=”25px” header_2_font_size_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”]<\/p>\n

Frequently Asked Questions<\/h2>\n

[\/et_pb_text][et_pb_accordion open_toggle_text_color=”#FFFFFF” open_toggle_background_color=”#144275″ closed_toggle_background_color=”#144275″ icon_color=”#FFFFFF” disabled_on=”off|off|off” _builder_version=”4.24.2″ _module_preset=”default” toggle_text_color=”#FFFFFF” toggle_level=”h4″ body_text_color=”#FFFFFF” border_color_all=”RGBA(255,255,255,0)” global_colors_info=”{}”][et_pb_accordion_item title=”How much does it cost to hire Steven M. Dunn, Attorney at Law?” open=”on” _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”||15px||false|false” global_colors_info=”{}”]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.[\/et_pb_accordion_item][et_pb_accordion_item title=”What should I do immediately after my long-term care insurance claim is denied?” _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”||15px||false|false” global_colors_info=”{}” open=”off”]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.[\/et_pb_accordion_item][et_pb_accordion_item title=”The insurance company says my care level isn’t ‘medically necessary.’ Should I appeal on my own?” _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”||15px||false|false” global_colors_info=”{}” open=”off”]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.[\/et_pb_accordion_item][et_pb_accordion_item title=”How much is my long-term care insurance claim worth?” _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” open=”off”]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.[\/et_pb_accordion_item][et_pb_accordion_item title=”What if another attorney or advocate told me I don\u2019t have a strong case?” _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”||15px||false|false” global_colors_info=”{}” open=”off”]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\u2014we know how to find paths to justice where others see dead ends.[\/et_pb_accordion_item][et_pb_accordion_item title=”How long do I have to appeal or take legal action against a long-term care insurer?” _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}” open=”off”]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.[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” disabled_on=”on|on|on” _builder_version=”4.24.2″ background_color=”#FFFFFF” background_enable_image=”off” background_position=”top_center” background_blend=”overlay” custom_padding=”80px||80px||true|false” custom_padding_tablet=”54px||54px||true|false” custom_padding_phone=”” disabled=”on” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1280px” custom_padding=”0px||0px||true|false” custom_padding_tablet=”” custom_padding_phone=”” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/cloud04.titletapsites.com\/theboltfirm\/wp-content\/uploads\/sites\/657\/2026\/08\/top-100-lawyers-on-super-lawyers.png” alt=”Top 100 Lawyers on Super Lawyers” title_text=”Top 100 Lawyers on Super Lawyers” align=”center” _builder_version=”4.24.2″ _module_preset=”default” filter_saturate=”0%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/cloud04.titletapsites.com\/theboltfirm\/wp-content\/uploads\/sites\/657\/2026\/08\/a-plus-rated-on-better-business-bureau.webp” alt=”A Plus Rated On Better Business Bureau” title_text=”A Plus Rated On Better Business Bureau” align=”center” _builder_version=”4.24.2″ _module_preset=”default” filter_saturate=”0%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/cloud04.titletapsites.com\/theboltfirm\/wp-content\/uploads\/sites\/657\/2026\/08\/top-100-trial-lawyers-national-trial-lawyers.png” alt=”Top 100 Trial Lawyers National Trial Lawyers” title_text=”Top 100 Trial Lawyers National Trial Lawyers” align=”center” _builder_version=”4.24.2″ _module_preset=”default” filter_saturate=”0%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/cloud04.titletapsites.com\/theboltfirm\/wp-content\/uploads\/sites\/657\/2026\/08\/member-of-million-dollar-advocates-forum.png” alt=”Member Of Million Dollar Advocates Forum” title_text=”Member Of Million Dollar Advocates Forum” align=”center” _builder_version=”4.24.2″ _module_preset=”default” filter_saturate=”0%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/cloud04.titletapsites.com\/theboltfirm\/wp-content\/uploads\/sites\/657\/2026\/08\/perfect-rating-on-avvo.png” alt=”Perfect Rating On Avvo” title_text=”Perfect Rating On Avvo” align=”center” _builder_version=”4.24.2″ _module_preset=”default” filter_saturate=”0%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Unwavering Strength. Unmatched Advocacy. We Fight for Your Long-Term Care Benefits.Recent Case ResultsCommercial Truck AccidentTraumatic Brain InjuryMotor Vehicle CollisionMultiple Orthopedic InjuriesSlip & Fall AccidentSpinal InjuryHouse FireSevere Leg FracturesDog Bite InjuryPermanent Facial ScarringRear-End CollisionNeck & Back InjuriesDecades of Experience. Proven Results. We Fight for Every Dollar You Deserve.Please fill out our easy online form below to […]<\/p>\n","protected":false},"author":18,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-40","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nHome - North Miami Beach, FL Law Firm | Steven M. 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