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STD/LTD insurance denied, but SSD approved??

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Old 08-30-2013, 11:38 PM #1
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I filed my appeal with the STD/LTD insurance carrier and just received the second denial today, 6 pages of bull. I am soooo angry!!! I just don't get it! Obviously I am in bad shape because SSD approved me right away and I am so thankful for that! My husband told me not to worry about it because it will stress me out and make me hurt worse. He is absolutely correct and we will make it with SSD. I can't help but worry about it because it is a good amount of money that I should be receiving. UGH!

I just had to vent! Thanks for "listening"
Nanc
AHHHH! This This just #@!^% me off! This is ridiculous!! And precisely what I am sure the insurance company knew would happen when they sold you the policy. What a rip off! Playing on people about what their future needs will be, get the premiums, and then bail when it’s needed. It’s your money and benefit and you should have it! Would it be possible to file a small claims case?

Although your husband might be right that it may only cause more pain and suffering. So sorry to hear about this. I am glad that you got SDD though. I am going to try to fight that fight this fall. Because I have been self-employed for so long and the way my taxes were filed, my claim will be complicated. I pray the SDD Gods will have mercy on me.
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Nanc (08-31-2013)
Old 09-01-2013, 05:59 PM #2
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AHHHH! This This just #@!^% me off! This is ridiculous!! And precisely what I am sure the insurance company knew would happen when they sold you the policy. What a rip off! Playing on people about what their future needs will be, get the premiums, and then bail when it’s needed. It’s your money and benefit and you should have it! Would it be possible to file a small claims case?

Although your husband might be right that it may only cause more pain and suffering. So sorry to hear about this. I am glad that you got SDD though. I am going to try to fight that fight this fall. Because I have been self-employed for so long and the way my taxes were filed, my claim will be complicated. I pray the SDD Gods will have mercy on me.
Hi Vrae! Hope you are having a better day today. I would have to file another appeal (or reconsideration), then if it is subject to ERISA I may have some other options like mediation. Then the last thing I could do is file suit against them. It is completely ridiculous!

I wish you much luck with your SSD claim!
Thanks,
Nanc
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Vrae (09-03-2013)
Old 09-03-2013, 12:18 PM #3
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Originally Posted by Vrae View Post
AHHHH! This This just #@!^% me off! This is ridiculous!! And precisely what I am sure the insurance company knew would happen when they sold you the policy. What a rip off! Playing on people about what their future needs will be, get the premiums, and then bail when it’s needed. It’s your money and benefit and you should have it! Would it be possible to file a small claims case?

Although your husband might be right that it may only cause more pain and suffering. So sorry to hear about this. I am glad that you got SDD though. I am going to try to fight that fight this fall. Because I have been self-employed for so long and the way my taxes were filed, my claim will be complicated. I pray the SDD Gods will have mercy on me.
Small claims? More like grand larceny.
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Old 09-03-2013, 05:56 PM #4
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Small claims? More like grand larceny.
So true! There's just no justice anymore! And if you do get any, it's because you could afford to buy it.
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AZ-Di (09-04-2013), Brambledog (09-04-2013), Nanc (09-03-2013)
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