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» LymeNet Flash » Questions and Discussion » General Support » Need Help with Group LTD Denial

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Author Topic: Need Help with Group LTD Denial
seekhelp
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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?
Posts: 7545 | From The 5th Dimension - The Twilight Zone | Registered: Mar 2008  |  IP: Logged | Report this post to a Moderator
seekhelp
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/\ Any help please. [Smile]
Posts: 7545 | From The 5th Dimension - The Twilight Zone | Registered: Mar 2008  |  IP: Logged | Report this post to a Moderator
seekhelp
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/\ Keeping this up.
Posts: 7545 | From The 5th Dimension - The Twilight Zone | Registered: Mar 2008  |  IP: Logged | Report this post to a Moderator
Tincup
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Unsure reading this what exactly you are asking for?

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Posts: 20353 | From The Moon | Registered: Jun 2004  |  IP: Logged | Report this post to a Moderator
@@Artemis
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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
Posts: 17 | From BayareANa | Registered: Sep 2012  |  IP: Logged | Report this post to a Moderator
@@Artemis
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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
Posts: 17 | From BayareANa | Registered: Sep 2012  |  IP: Logged | Report this post to a Moderator
@@Artemis
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How are you doing did you find a good lawyer?
Posts: 17 | From BayareANa | Registered: Sep 2012  |  IP: Logged | Report this post to a Moderator
@@Artemis
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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
Posts: 17 | From BayareANa | Registered: Sep 2012  |  IP: Logged | Report this post to a Moderator
TF
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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.
Posts: 9931 | From Maryland | Registered: Dec 2007  |  IP: Logged | Report this post to a Moderator
BoxerMom
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This thread is ancient. Why back to the top?

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Posts: 2867 | From Pacific NW | Registered: Apr 2010  |  IP: Logged | Report this post to a Moderator
   

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