A potential customer / employer should be educated about ERISA disability specifically. The employer is probably doing a disservice to the employee by making her believe that she is well taken care off in case of a disablity
My advice is, don't attempt to collect private disability insurance unless you have a lot of money and a good law firm at your back. My wife's struggle is too long for this space, but she had to fight for every dime she collected. Her doctors were harassed until they asked her to find other doctors. After seven years, with no remaining reasons to cancel her payments, the insurer simply cut off her benefits. We took them to court, and it cost $22K and four years to fight them to a settlement.
Provident Unum supplemental disability insurance denied my claim when I got sick and could no longer practice as an anesthesiologist. They had no problem accepting my premiums, however, when I needed them most, they screwed me. I will never forgive them.
In the policies that I sell it clearly states in the definitions that YOUR doctor determines your disablity as he/she has seen your health history and can make a better decision on the matter. I can probably guess the company you had if I had three guesses, but I won't mention the names.
I'm sorry about your situation. You bought a policy with an "any occ" classification. This means that for 2 years as long as you are not employed you will receive benefits...after that you must be unable to work at any occupation. It's essentially a major medical policy for health insurance. I've never sold that type of policy nor will I. I will only sell policies that give you choice to move on to a different occupation or pay you regardless.
Amen, private disability income insurance is a joke. With their constant recertifications. I love how they pick and choose which Gov't standards they want to use. SSDI asks for recert at a min of 3 yrs, but that's not good enough for the private insurers. Let's make someone who's disabled jump through as many hoops as possible in hopes they'll get discouraged enough and go away. Chris, you're advice sounds like something your candidate would say--not helpful, just rhetoric.
Procedural issues can be resolved? Not if you're using American Fidelity. When they have cash flow problems, they simply delay everyone's benefit check by 15 days. All while operating with the luxury of saying "the check is in the mail" therefore you're paid. And by the way, Obama is a tried and true liar, go ahead elect that jackass we certainly need more affirmative action programs and more taxes.
With all due respect sir, i've worked disability before. Other than procedural issues (not returning ppwk) or pre-ex clauses, it is not easy to terminate someone's benefits. Procedural issues can be easily resolved. The own to any occ transition is not going away. A heavy occ can be disabled forever with a bad ankle. Does that mean he/she is disabled for life? No. You can also purchase private policies that are any occ for their duration. U shouldn't expect your employer to do this for you.
I agree 100% Everyone wants to make the insurance company look like the bad guy. What they don't realize is that the plan their on is a contract that was written between their company and the insurance company. Too many people get away with fraud so that's why the better insurance companies make you "jump through hoops" for you to be covered.
What you miss is the fact that the INSURANCE Company does committ fraud when it says a real disabled person can work ignorring all the doctors reports except their paid off doctor, and finding non existant jobs that they are either not qualified for or medically can't do. Don't blame the company buying the policy when it is the Insurance company that DENIES the coverage.
I cannot send email to the id that you mention at the end of the video. I wish to assist in your efforts
rvsw 1 year ago
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illnessandinsurancehell.blogspot.com and hartford-disability-denial.blogspot.com discuss these ideas further
rvsw 1 year ago
A potential customer / employer should be educated about ERISA disability specifically. The employer is probably doing a disservice to the employee by making her believe that she is well taken care off in case of a disablity
rvsw 1 year ago
My advice is, don't attempt to collect private disability insurance unless you have a lot of money and a good law firm at your back. My wife's struggle is too long for this space, but she had to fight for every dime she collected. Her doctors were harassed until they asked her to find other doctors. After seven years, with no remaining reasons to cancel her payments, the insurer simply cut off her benefits. We took them to court, and it cost $22K and four years to fight them to a settlement.
wpenrose 1 year ago
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Provident Unum supplemental disability insurance denied my claim when I got sick and could no longer practice as an anesthesiologist. They had no problem accepting my premiums, however, when I needed them most, they screwed me. I will never forgive them.
leddhed 2 years ago
In the policies that I sell it clearly states in the definitions that YOUR doctor determines your disablity as he/she has seen your health history and can make a better decision on the matter. I can probably guess the company you had if I had three guesses, but I won't mention the names.
NorgePrecision 2 years ago
I'm sorry about your situation. You bought a policy with an "any occ" classification. This means that for 2 years as long as you are not employed you will receive benefits...after that you must be unable to work at any occupation. It's essentially a major medical policy for health insurance. I've never sold that type of policy nor will I. I will only sell policies that give you choice to move on to a different occupation or pay you regardless.
NorgePrecision 2 years ago
Testify ! TWR
Amen, private disability income insurance is a joke. With their constant recertifications. I love how they pick and choose which Gov't standards they want to use. SSDI asks for recert at a min of 3 yrs, but that's not good enough for the private insurers. Let's make someone who's disabled jump through as many hoops as possible in hopes they'll get discouraged enough and go away. Chris, you're advice sounds like something your candidate would say--not helpful, just rhetoric.
northok 3 years ago
It's a sad state of affairs when SSDI (the federal gov't) outperforms a private insurer.
SSDI does what they say, when they say their going to do it, exactly how they said they would.
TheWeatherReport 3 years ago
Procedural issues can be resolved? Not if you're using American Fidelity. When they have cash flow problems, they simply delay everyone's benefit check by 15 days. All while operating with the luxury of saying "the check is in the mail" therefore you're paid. And by the way, Obama is a tried and true liar, go ahead elect that jackass we certainly need more affirmative action programs and more taxes.
TheWeatherReport 3 years ago 2
Amen! They are a horrible joke to deal with! The difficulty goes way beyond delayed checks.
kittychats 3 years ago
With all due respect sir, i've worked disability before. Other than procedural issues (not returning ppwk) or pre-ex clauses, it is not easy to terminate someone's benefits. Procedural issues can be easily resolved. The own to any occ transition is not going away. A heavy occ can be disabled forever with a bad ankle. Does that mean he/she is disabled for life? No. You can also purchase private policies that are any occ for their duration. U shouldn't expect your employer to do this for you.
chris4obama 3 years ago
I agree 100% Everyone wants to make the insurance company look like the bad guy. What they don't realize is that the plan their on is a contract that was written between their company and the insurance company. Too many people get away with fraud so that's why the better insurance companies make you "jump through hoops" for you to be covered.
ThatFalGuy 3 years ago
What you miss is the fact that the INSURANCE Company does committ fraud when it says a real disabled person can work ignorring all the doctors reports except their paid off doctor, and finding non existant jobs that they are either not qualified for or medically can't do. Don't blame the company buying the policy when it is the Insurance company that DENIES the coverage.
DisabledVictim 3 years ago