Claim Denied

I'm madder than a mashed cat!

My short term disability insurance provider denied my claim after all this BS.

I been with my company going on three years. Since day one I've paid over $100 a month for short term, long term disability insurance and critical care. It was a group policy through my employer.

Well without saying a word, Dec 1, 2009 my company changed insurance providers. I never received a new policy or a handbook or time of day. The deductions kept coming out of my paycheck like normal.

Since I filed the claim Nov. 29, 2010 I'm being denied because my illness is considered a pre-existing conditon now. I had it before the new policy by three months. I met the terms of the other policy. I met the disability part.

The real booger is to pay a pre-existing policy you have to be with the insurance company 12 months. Well, I been with the new company 11 months and 29 days.

Do I have any legal ground? Had my employer not changed providers, I would be okay. Had I knew about the new policy, I could of put off going to the doctors two days. Also I read something about the federal gov't through ERISA can force your company to pay you $110 each day they do not provide you with a policy.

Anyone??

 

Thanks for the replies. I was reading a clause on the policy. I have to file an appeal before using any legal action.

I never realized how screwed up our medical system is until I started having problems. You get thrown to the dogs when you get sick and can't work. Luckily I had a little saved up, but that won't last much longer. Hopefully I can go back to work March 1st. The way I see it, the insurance company owes me $5700. I'll fight for that.