I have the misfortune of dealing with a long term disability insurance company. By dealing, I mean jumping through hoops. Even though it is a company policy to replace my wages, they are trying to find a pre-existing condition to nullify my claim. I am at a point where I will have to borrow from some very good friends just to survive. I have no options when it comes to customer complaints. I haven't been approved yet. I still have to find info from 2005 including dr names, prescriptions and their numbers, treatments, names and numbers for all the places I was treated or seen, as well as their fax numbers. And of course it is taking time. 3 weeks so far. And the agent just keeps saying it is the policy that dictates the info needed. They even want copies of my MRI to make sure the dr isn't in on any scheme. Aren't people innocent until proven guilty anymore? I just have to wait until they decide to tell me if I am approved and what they will pay out for my living expenses. I have to pay for my benefits including their premium out of the small amount they allow. I hope it is at least 1/2 my take home. At least I will have a roof over my head. Maybe, if I can keep up the loan payment. I am at a point where I understand why people go postal. If I am ever called for jury duty in such a case I will make sure I get on the jury so I can help them get a fair shake. Lets hope that Karma is in my favor and the agent gets what he deserves.
