This is topic Need Help with Group LTD Denial in forum General Support at LymeNet Flash.


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Posted by seekhelp (Member # 15067) on :
 
Is it common for a claimant to send a letter appealing an insurer's denial along with physician's supporting evidence?

I have 25 days to send in an appropriate response. This is an ERISA plan. It's insured by UNUM.

I have a lousy one page letter from my PCP stating 7 illnesses and one line saying these disable me from working. Unfortunately, soem are depression and somatoform disorder. [Frown] Others are CFS and Fibro.

My LTD insurer wrote me an 8 page denial letter back in late Feb-09. One page sure isn't a good response.

While I'm finally starting to feel a bit better than I used to, I feel I am being robbed ignoring my illness from March 09 to current. I was covered by a group LTD plan. It's so unfair to ignore the illness, which I am sure is Lyme.

Am I screwed with 25 days only now?
 
Posted by seekhelp (Member # 15067) on :
 
/\ Any help please. [Smile]
 
Posted by seekhelp (Member # 15067) on :
 
/\ Keeping this up.
 
Posted by Tincup (Member # 5829) on :
 
Unsure reading this what exactly you are asking for?
 
Posted by @@Artemis (Member # 38995) on :
 
Well people think they are covered as I did because I have no family. But in really these plans are a great taxwrite off for the company and give employees nothing. That's what I'm thinking
 
Posted by @@Artemis (Member # 38995) on :
 
Well people think they are covered as I did because I have no family. But in really these plans are a great taxwrite off for the company and give employees nothing. That's what I'm thinking
 
Posted by @@Artemis (Member # 38995) on :
 
How are you doing did you find a good lawyer?
 
Posted by @@Artemis (Member # 38995) on :
 
Well people think they are covered as I did because I have no family. But in really these plans are a great taxwrite off for the company and give employees nothing. That's what I'm thinking
 
Posted by TF (Member # 14183) on :
 
In this thread, Bugg says to be careful in how you reply as you could waive rights without even knowing it. Bugg knows good ERISA lawyers. I suggest you pm Bugg who is still active on this board.

http://flash.lymenet.org/ubb/ultimatebb.php/topic/3/19752

If you are filing an appeal to a denial, it would be much better to have an attorney do it, I would think.

Sounds like you pay them a percentage of what you get.
 
Posted by BoxerMom (Member # 25251) on :
 
This thread is ancient. Why back to the top?
 


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