Have you considered filing a different kind of complaint with your state insurance commissioner and or contact your congressman in which ours helped us considerably, although not on the crooked insurance end of it.

I was actually looking into filing a complaint with the bureau of insurance. Didn't think about our congressman, not sure how he could help with a STD insurance claim??

Not sure either, but his or her's staff can guide you I'll bet, unless they're a worthless bunch. Our Congressman's staff helped my wife with her SSDI claim in which they could not sway SS one way or the other but they kept bugging them to move on it. They also helped us to keep that filthy bank Wells Fargo off our cans by telling them to back off. --in a much more professional manner I'm sure. Anyway, that is what your representative is for, to help their constituents in serous situations.

Nanc, I noticed you live in VA? So do I, my congressman's name is Gerald Connolly.

I looked online and my congressman is Eric Cantor...not sure how much help they will be, but anything is worth a try right? Glad yours was able to help you. I spoke to my PCP this morning (I sent her a copy of the denial), she said she has seen it many times, they pick out the few positives in a few of the visit notes and use them for the denial. I am just not sure what more I could send in the next appeal since they already have everything. I sure as heck will point out the "negatives" they decided to ignore in the dr notes. I will try Cantor's office and see what help they can offer. Thanks for the tip!

The good thing is that I am to start receiving SSD next month and my husband is through with the gov't furloughs. I used my 401k money to refinance our house to make it affordable and my husband sold his truck and my car is paid for. I am not able to drive anyway. We will be fine once the SSD starts and as long as he keeps his job :) But, as I said earlier, SSD is about 35% of my pay, where STD/LTD would have been 60%!

Thanks again!
:hug:

So true! There's just no justice anymore! And if you do get any, it's because you could afford to buy it.

I actually do work for Cantor's party. My fear would be is that the insurance company is his constituent. But, don't let that stop you from contacting his staff. It would be interesting to see what effort and or guidance they will give you. We were able to save our house from my wife's SSDI settlement and medicare. Still our bills amounted to many thousands of dollars. We just sold our home of 15 years last June, walking away with nearly a quarter million and walking away from a major battle that lasted nearly 8 years. All debts are paid. Stress has been reduced substantially. Nanc, one thing I've noticed in ourselves is that one can get used to being stressed constantly, and when it is reduced, it takes time for the feeling of stress to leave the home. Try not to get too worked up! :D

Cantor's website. You'll notice a tab for "constituent services"
http://cantor.house.gov/

Thanks so much for the info! I will check it out and let you know what happens.

I know exactly what you mean about the stress! I was in a very stressful job and fighting thru the pain at work added to the stress! it took a while for that stress to go away, especially when they didn't treat me very well at the end. Now with this STD mess, the stress is here. My husband says the same thing you do..."try not to get too worked up about it" But I am naturally a worrier, I can't help but to stress and get angry at this situation!!

Glad you and your wife are at a point where stress is reduced :)