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Long-Term Care Insurance: Claims and Litigation Tactics
Original Program Date :
Long-term care insurance (LTCI) policies are often difficult to navigate, leaving policyholders and their families facing unclear processes, denied claims, and protracted appeals.
Erin Ronstadt and Kyle Shelton from Sandstone Law Group will walk you through the anatomy of an LTCI policy, the claims and appeals process, and common litigation issues that arise when coverage is denied. This program is particularly relevant for elder law practitioners and those working with aging populations.
Erin and Kyle will spotlight critical issues such as statutory obligations, HIPAA considerations, interpreting policy language, and identifying potential signs of insurer bad faith. Whether you’re advising clients during the claims process or litigating denied benefits, this program will offer practical insights into managing and resolving challenges in the long-term care insurance landscape.
Faculty
Erin Ronstadt, Partner, Sandstone Law Group
Kyle Shelton, Partner, Sandstone Law Group
Kyle James Shelton
Kyle Shelton has dedicated his practice to insurance bad faith, helping clients who have had their long-term care or long-term disability benefits denied. At the core of his practice is trial work and litigation; he litigated Arizona’s top civil verdict in 2021, earned the International Academy of Trial Lawyers Award, and was inducted into the Order of Barristers. Kyle was honored by Super Lawyers as a Rising Star in Arizona for seven years (2017-2023) and was recently appointed Chair of the Arizona Attorney Editorial Board for 2025–2026. Kyle is a proud member of the National Academy of Elder Law Attorneys and the Arizona Association for Justice.
Erin Rose Ronstadt
Erin Ronstadt represents clients in long-term care and private disability insurance disputes, with a focus on appeals and litigation. She is known for challenging denied benefits and holding insurers accountable in both ERISA and insurance bad faith matters. Erin graduated from the Sandra Day O’Connor College of Law at Arizona State University, where she earned Highest Pro Bono Distinction and was honored with a Dean's Award for Most Outstanding Graduate. She was honored to receive the Hal Israel Community Service Award from the State Bar of Arizona (2012) and was selected by Super Lawyers as a Rising Star (2019-2022). Inspired by her father’s experience as a disabled veteran, Erin brings both empathy and tenacity to her trial work, securing meaningful results for her clients.
