2 replies to this topic

[McRobb]

Good evening, Everyone - Just checked my mail and I have yet another sheaf of papers from the disability insurance that I have. When I had my wreck, my employer had short term/ long term disability insurance on all employees so I have been collecting a portion of my former salary from this company and they should pay me until retirement age of 65. It really helps out our income to have this and I appreciate it.

But about every 6 to 8 months, they insist that I "prove" that I am still disabled. So, I go through a whole bunch of papers about what I can do and what I cannot do and have to sign another bunch of papers for them to get new medical records, etc. What a pain!!!

Last year I called Iowa's insurance office and asked them how often I had to fill out all these papers and they said that if the company asked me to do them every month, then I had to do them or lose my benefits.

I cannot afford to lose the benefits but when is enough enough?? Next month will be my 3 year anniversary and it is hard enough getting through this thing without having to go through the minute details every time I turn around.

Just griping I guess. The company is Hartford - has anyone had similiar experience with other insurance companies or anyone else?

[wheeliebear75]

Hi there. I don't know if it helps any to know that you are not alone. Although I do not have the same insurance problem that you do trust me that we have all shared in your misery. From your point of view it does seem redundent to keep making you go through those hoops, I mean after 3 years things probably won't improve any. From a physcal standpoint though they have to dot their "I"s and cross their "T"s. People (not you but others) do file fraudulent claims. Because people try to cheat the system honest people such as yourself are forced to go through the hoops you are dealing with. Although it is a hastle to go through (and possibly emotionaly painfull), it does at least exhist for you. Most people's employer insurance only covers disability if work related. Sorry for the hastles but am happy for you that you do at least have the insurance to cover for you and your family. Sorry that you are feeling left out in the cold by insurance.

[edlee]

I hope I don't sound cruel saying this , but what are you bitching about anyway? A couple hours work every few months to get money and medical coverage till you're 65???? It doesn't strike me as such a bad deal. Lots of us are making due with only government help. I was hurt at work and am receiveing worker's comp. I am greatful for the help and will (and do) fill out whatever they need as often as they need it. I'm afraid that if you are looking for sympathy for a little work two or three times a year you may need to look elsewhere. Ed