Candis,
I could write a book about what an LTD insurance company did to me.
The bottom line is, they stopped paying my benefits at the 24 month point
because of ABSURD AND INCORRECT statements made on a doctor's
report that I did not get to see in advance. When I confronted my doctor,
he quickly filled out a form correcting the mistakes, but guess what?
The insurance company wouldn't accept the new form. I fought for
years, but could not afford a lawyer, so never got my benefits back.
LTD's are one of the biggest scams out there in my opinion.
Kevin
CANDIS KALLEY wrote:
After 31 months, I'm finally scheduled for an IME for my LTD on the
16th of this month!
My question is for anyone who has gone through an IME. What can I
expect? This "NEURO" assigned for the IME is board certified BUT he
owns his own "Neuro Center" which does nothing but Workers Comp and
other insurance "Independent" neuro exams - LOL! While he attended
college in some neuro fields, I can't find where he received a degree
in neurology! He did, however, attended several months of "training"
for insurance medical examinations and receive creditials!
This is a BIG case with almost $50,000 past due from Insurance and
another $60,000 to the end of the end of LTD.
Warning for all you newbies - if you have STD/LTD through your
employers, after 2 years the insurance company will TRY to discontinue
payments due to a law for mental cases!
That law does not apply for physcial conditions EVEN though the
insurance companies will do anything they can to NOT pay!
At the beginning, I suggest that you look up a GOOD LTD lawyer and
call to be prepared for problems especially after 2 years! Laws are
changing all the time and the insurance
Also, TELL your doctor not to send any papers to ANY ONE without
telling you and letting you review BEFORE sending out the papers! Have
a BIG note put on your case file to that effect!
MY Neuro answered papers that allowed only YES/NO answers at the
height of Season here in SW FL! Since this is mainly a retirement
town, and most of his patients are on Medicare Already, he answered
the YES/NO WITHOUT further explanation and sent back to insurance
without my knowledge!
ALWAYS before, the insurance company sent forms to me for me and the
doctor to fill out. I would always have to drop off the papers and
pick them up to send back. BUT to get rid of me, the insurance
company sent papers directly to my doctor and none to me - not even a
notice! The last set of papers was just 6 weeks after the quarterly
review papers! LIKE a MIRACLE would occur after 2 1/2 years of
severe TM in just 6 weeks - 2 attacks of TM affecting C4 - T1 and T10
- T12!
Just a word of warning to all newer TMers! SSDI is bad enough but the
LTD insurance companies are the WORST !%!$#$!#@ OF ALL!
Life is short! Break the rules! Forgive quickly! Kiss slowly!
Love truly, Laugh uncontrollably .
And never regret anything that made you smile.
Prayers and thoughts for you and yours,
Candy K.
