I spoke with more than 50 insurance experts, patients, lawyers, physicians and consumer advocates about building a tool anyone could use to navigate insurance appeals. Nearly everyone said the same thing: Great idea. But almost impossible to do.
This happened to me twice. First, when I applied for long-term disability insurance through the insurer that my employer used. Second, when I applied for SSDI.
I am convinced that there is a policy of “losing” or “not receiving” documentation in order to discourage the patient from continuing to pursue their claim.
I have only managed to succeed because I retained an attorney (two, actually–one for the private insurance and one for SSDI). As a disabled person with limited ability to handle these things myself, I never would have been able to win the insurance money that I deserved. As the system intends.
This happened to me twice. First, when I applied for long-term disability insurance through the insurer that my employer used. Second, when I applied for SSDI.
I am convinced that there is a policy of “losing” or “not receiving” documentation in order to discourage the patient from continuing to pursue their claim.
I have only managed to succeed because I retained an attorney (two, actually–one for the private insurance and one for SSDI). As a disabled person with limited ability to handle these things myself, I never would have been able to win the insurance money that I deserved. As the system intends.