Should I pursue my once rejected short-term claim?

by Guest » Wed Apr 12, 2006 05:04 am

hi ! I have been staying at California for quite sometime and maintained a Short term disability coverage with Broadspire (kemper), as also a part of my benefits through my employer at that time. I had been on a medical leave for 3 months which consequently got extended till 6 months. Just as I went on my leave, I had submitted a claim for short term disability to my carrier which they repelled immediately. I followed up this denial with more documentation but with the same result once more.

At this juncture, I met an attorney who promised me all his support and wasted no time in getting all my documents together and forwarding them to my insurance co. This time the documentation included even the minute details of my medical condition and also the reports of my medical leave. But in doing all this he committed one single mistake. He submitted these documents one day after the deadline, since the date happened to coincide with the Monday of President's Day.
Now since our appeal got rejected on the grounds that we got late, I am truly at a loss after bearing all the expenses out of my pocket. Now, I'd really like to know if its at all worthy of me to pursue this case anymore, keeping in mind that I no longer wish to spend more on this matter. Please help.
regards, Jim

Total Comments: 3

Posted: Thu Apr 13, 2006 06:29 am Post Subject:

my friend...Its time for you to argue. You should make good use of this oppertunity stating clearly that the date of your receiving the information was beyond the date termed by the company as late. Make it a point to prove you are punctual. Then it won't be easy from the company's point of view to put the burden upon your shoulder. To me it seems to a stupid human error which was used against your claim.

Posted: Thu Apr 13, 2006 06:39 am Post Subject: not holding good

To me it seems your company was indeed late on its deadline. It would certainly have a harder time pointing at your one-day late submission.
Hence, I see no reason holding good, to stick for long under pressure at the court. But I'd welcome someone pointing towards any other flaw on your part to get you better prepared for the D-day !

Posted: Fri Apr 14, 2006 02:17 am Post Subject:

Hi Jim...
sorry for your situation. But one question is popping up in my mind is that did you tried to know the proper reasons for the denial of your claim? There must be some valid reason for the carrier to reject you bluntly.... may be the kind of disability you got is not covered by the policy.

Better you can consult with a known agent.

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