Denied Disability Insurance

Unum denied my claims for critical care illness

Hey I'm still waiting on an answer back and that haven't came as of yet. How long do that take for someone to answer you back. I have tried the TWC /TDI from Oct.2009 up to now and the state dept. can't answer me why one of they dept. out of Dallas, TX. can file a claim for this trucking co. knowing I was paying into a group insurance policy on the job for Occupational Accident to cover me why under my dispatcher why at work.

My thing is the state dept. want talk about ''SRS'' cause they is a worker's comp. insurance co. and I wasn't in a worker's comp. I had a Trucker's Insurance Policy I was paying in on the job and this company was the owner of my policy. So they made up they own rules if they want to pay. So the state dept. didn't see no wrongdoing because the never had a word to say about ''SRS'' working my case and later denial my claim because the job lied that I wasn't on the job.

But they told me to file a claim with the TWC to get help with my stroke, I show the proof I was on the job and the trucking co. pay for the load I pick up and drop off on the 7.28.2009. So over 10 yrs. the TDI won't answer me at all. And no lawyer will take my case because ,it wasn't a worker's comp. claim. So is this fair to me, how the state is doing me on this case. Because my right is taken from me know the state dept. is over looking my claim and no lawyer will take my case.

This case was filed on time back in Sept. 9.209 on the phone and a few day later I sign the paper work that came in the mail. How is it that the state dept. want do they gob. The trucking co. made up they own rules that they want pay because.GOD was the one who cause my stroke on the job, so that fall under An Act Of GOD, but that is not in my policy like that at all. I been in this policy from Dec.1,2006 up till Aug.2009, and the job took the money out from my payroll after the knew about my stroke. This cause me 14 days in the hospital .

So in Feb.2010 I was sent to the TWC Doctor in Houston and this doctor read my report from the hospital & the doctor which was 800 pages . This doctor could read all of them, in 10 mins. and tell me my stroke didn't come from the job, but from my mom or dad. I then let this doctor know I had been driving trucks from Sept. of 1973 up to the day of my stroke which was July 28,2009 and I had pass my DOT CHECK UP in Dec. 2008. So now at the time I'm being taped.

So when I sad that this doctor jump up and ran over to the tape recorder and turn it off. So I wrote in on this doctor to the TWC in Austin, Tx, and a few weeks later a agent from the Houston, office call me up and let me know they can't help me any more because I had paid into a Trucker Group Insurance Policy , so now need to go back to the job for help. So they closed my case at that time. So I looked for help from that day to get any lawyer to take my case, but none could help me.

So where id the help for me when I have talk to 45 lawyer in a month and they wanted $150.00 per hr. But some of them didn't know what a Trucker Group Insurance Policy was. I later own found a None Profit Corp. to take my case who was call ''CIW'' This lady took me she can help me , but she can't work for nothing, so now I'm told she need $500.00 up front for her to take my case,

I let this woman know I didn't have that kind of money ,cause I don't work, so now I told I can pay her as little as$50,oo a month. So I had no other way of help from anybody eles. so I had to take her. I sign the paper work and in 3 months I had paid her off. She then stated on my case and had it reopen that the ''SRS'' had closed it and then the TWC also in March 2010. So now in April 2012 this lady worked this case and Zurich Trucker's Group Insurance gave in and reopen the case that they never closed themselves. Because ''SRS'' WAS THE ONLY ONE WHO FILED THIS CASE FROM DAY ONE. Zurich insurance NEVER HAD A PART IN MY CLAIM CAUSE THE TRUCKING CO. NEVER CALL THEM UP ABOUT ME.

This company of ''CIW'' worked this and the agent of Zurich gave in so they call up the trucking co . of Turner Bros. Trucking and they lied to Zurich that I wasn't on the job the day of my stroke, That was 7,28,2009, So the agent of Zurich let my power of atty. know the trucking co. say I wasn't on the job that day. So now the insurance of Zurich want Burden of Proof I was on the job on July 28,2009 and I had 60 days to show I was , I show my proof in 10 day when I got the call to the agent of Zurich. This was by U.S. MAIL and Email.

Then in a few day I got an Email from James the Agent of Zurich and was told he got my proof, So a week later the power of atty. call me up and asked did I show my proof I was on the job I say yes. So out of nowhere I'm asked where was her proof at ,I let her know she had it from day one when she asked for it when she took the case.

This woman got all up set with me and told me don't call her back any more, she got off my case ,so I email the agent of Zurich to let the agent know my atty. is off my case and don't sent her my money .

Sent it to me only. James then email me back and he say he was sorry to hear that, This is now Oct.20013. So now I had waited up till Jan.2014 and I hadn't got any thing. I was to be paid what was in my contract and that was 104 weeks of $500,00 a week and 52 weeks of Meds. But after I let them know about my atty. they never sent me anything at all.

We went back & force with this insurance co agents of Zurich and 3 months later I cave up and went to the TDI for help and they took the case up to now. But they also have nothing to say about ''SRS'' either. This is something the state dept., don't want out . But this company filed this claim for the trucking co. I was leased to, cause the job didn't want t o let Zurich I was on the job the day of my stroke.

The state dept. of insurance have went dead cold on this case. I 'm still writing them asking them about my case and no one have an answer for me. I'm sent in a email every few weeks asking about my money and no one is answering me back on this case or about ''SRS'' who filed this claim.

I like to know just what I can do from here , cause the trucking co. haven't paid me the money they own me and the state dept. don't want to talk about one of they dept. who filed this claim for the trucking co. they put them on my case. This is proof the TDI don't want out.

But I like to have my money I'm owned from my settlement the Zurich were to pay me since I proof my case, because that was all they were going to pay me . This all come from when I let them know my power of atty. had got off my case. If I didn't do that they would have keep all of my money from me So I think I done the right thing. The ''SRS'' made a claim number on me and it's in all of my report and they still have nothing to say. But the state dept. is suppose to be there for you. But they haven't done they job on this case over 10 yrs. And no one eles will help me. So is there anybody can help me on this case?

I'm still waiting on an answer back from you'll and I'm still fighting the state dept. on this claim that one of they agent had worked for the trucking co. I was leased to as an o/o truck driver. I was paying into ,which was a group insurance policy for the trucking co. now one of the agent for the TDI filed my claim for the trucking co. under a worker's comp

knowing they were taking money from my payroll from Dec.1,2006 up to Aug.1,2009 and the state dept. want talk about they agent of SRS filing this claim. So how can they do that. know they are the state dept. But they have nothing to say about this insurance co. who was part of the state.

SO I feel the state dept. don't wrong by not talking about one of they insurance dept. out of Dallas, Tx. filing this claim number under the state 's worker's comp. know I was in a Trucker's Group Insurance Policy over 2.5 yrs. and they seen the policy and never done anything at all .

They never seen any wrongdoing by this trucking co. at all. They never had a word to say from Sept. 9. 2009 up to now. So by law can the state dept. really do this. I have been trying to get money my self by keeping this case open.

I had a std and a ltd claim with Principal insurance company, do not get them for your disability services they are a horrible company I had a legitimate claim and they denied me.They denied me and this was 3 yrs ago thank God I got my ssdi or I would have starved to death I just think that they should have paid me my ltd but because of the erisa laws they screwed me.I just think it isn’t fair to work 35 yrs as a pipe fitter get hurt and then have to put up with all of Principals BS well they say that I can’t do anything else that my claim is dead but I can tell people to be aware that they are a horrible company!!!!!

I was approved for Social Decurity Disability 4 months after filing. I was approved for LTD from Hartford also. I worked for the Delaware Department of Justice. I had brain surgery after a brain bleed when I was a kid. I am blind to the left in both eyes from the brain bleed. As I got older, I started falling more, I was depressed, and making mistakes on my job. Although I worked for years with the vision loss, I just could not do it after 35 years. About 2 years after Hartford awarded me LTD, they took it away. They gave me three separate and different reasons for termination, I could find no lawyer to represent me in Delaware because the state is small, most lawyers know one another, no one would help me. I filed my own appeals, but was late with the second appeal, and that was the end of that. This happened in 2006. Statute of limitations has run. I have looked for help here and other places, but nothing. I think Hartford owes me a lot of money and should be paying me LTD. I don’t think I can sue them now. Too much time gone. But I was not aware of anything at the time about others being denied. Where is the class action lawsuit against Hartford?

My comment is about a trucking co. who I was leased to for over 4 yrs. whom I paid into a Trucker's insurance group policy on the job.
I had a workplace injury on the job as a stroke, why still under a dispatcher out on the road. My job knew about my injury/illness and didn't file no claim from my and knowing I was in the hospital.
This trucking co. take this money from my payroll twice a month for over 4 yrs. This is a OCC/ACC group plain insurance for all o/o truck driver.
It was over 30 days before any thing was done, that was because I call and told them I would file a lawsuit if nothing was done.
I was then set up with a outside insurance co. to call up for help. I wasn't thinking at the time that wasn't my insurance co. that was on my payroll who I was paying. This was just to get me to move on. I file my first claim with this insurance co.
And water on after 10 days I was call back up and told the job don't want to pay you. You need to file for worker's comp. I did that and later on I got a call back telling ,me they can't help me because I had paid into a insurance policy on the job and I need to go beck to them for help. But nothing happen.
I just like to know how can an outsider insurance co. play apart in a claim that they name is not on your policy and on your payroll to have money to come out to them. With the lies that was told to them by the job . The outsider insurance co. deny my claim for my benefits and they closed my claim.
How in the hell do this happen. Now the insurance co I was paying from my payroll never did come into play over 2 1/2 yrs. And then they lied about they closed the claim because I didn't answer them back.
I have been going back & force to the TDI for help and now they is tired of me and now don't want answer me any more. This is not a workers' comp. claim,because I paid into a policy
I just want to get paid for the benefit I paid into this policy on the job that's under a trucker's insurance policy. So is there any help for me.
This was really wrong what the trucking co. did to me. No one have every gave me any thing. I need to know if anything can be done. This trucking co. took my money for a insurance co.
That they didn't want them to know anything about my injury on the job. this is really hell. I don't know if they had to many claim or what? This outsider insurance didn't file the claim with the TDI but sent the file back to the trucking co. to file with the worker's comp. and that also didn't happen. I have the proof on paper this insurance co . help the trucking co. out, well wasn't nothing file with any body to have it in the T.D.I just what I sent to them.

Hello, I just wanted to ask a few questions. My brother is trying to apply for STD but his primary care provider will not sign the form. He has documentation from the hospital where he was treated for symptoms such as depression and his anxiety disorder. The doctor still will not sign the form. The hospital he was treated at for his mental condition refuses to sign the form. They told him his primary care provider has to sign but she will not sign. He has a letter from a judge who approved his unemployment from the EDD stating that he more than qualifies for SDI. What should he do? Should he get an Bad Faith Disability lawyer? Or should we contact the EDD and Worker's Compensation?

I was self-employed for thirteen years and had to stop working in 2009 because I was unable to perform my job duties. I first applied for disability in 2010 but, I was denied. I had filed an appeal and denied for the second time. Then, I obtained a lawyer.Unfortunately, I was denied LTD disability, in 2014, again, by an Administrated Law Judge. Even with a lawyer, I was still denied. The judge stated to me that he did not believe I was disable even with the doctors paperwork in front of him. He called me a liar. He said, There was no way I could hurt so bad being so young. It was insulting.He stated that in the letter, that was sent to my mother, that she was showing favoritism toward me. If he was going to stated that, why did he choose to send her a letter in the first place. But, she only stated the truth. Then, I asked for a Federal Hearing and was denied for a forth time. My diseases were at the time RA, OA, Hepatitis B, Hypertension, Fibromyalgia, Severe Back Pain, Carpel Tunnel in both hands, swelling, tiredness, fatigue, chest pains, muscle spasms, fever at various times and a torn ACL in my left leg. Now, all of my symptoms have progressed much worst. I'm still taking medications for them however, I'm still not able to work and because of the lack of insurance, my leg is still not fixed. Now, I'm having trouble driving, staying awake because of all the medicines and no strength whatsoever in my hands. Sometimes my pains are unbearable. But through it all, the Lord has kept me and my sister now stays with me because I'm constantly in pain and always falling down. All my appeals are used up, what am I supposed to do now? Can someone help me?

Having worked for a disability organization in the past I understand why so many disability claims are denied. Individuals who are seeking coverage for absence due to disability MUST realize a few key things. 1) Just because a physician says you shouldn't be at work doesn't mean disability will be approved. Disability (STD) is normally defined as the inability to perform the claimants job function. If the documentation submitted does not demonstrate that with the test results, exam findings, and prospective return to work plan then the insurer will claim it doesn't meet the definition of disability. 2) Behavioral disabilities are perhaps the most difficult to prove. The number of claims for "depression" are very substantial. When the claimant is asked how their depression manifests itself they skirt the question. So the analyst will ask the practitioner for their notes so they can validate disability. When the notes are received many times even the practitioner doesn't have specific indications that would prevent someone from doing their job. So, if your seeing a therapist this is the time you need to be completely honest, upfront, and detailed about how you feel and what the impacts are as a result. 3) Physicians often don't want to give details about the patient condition resulting in denial. Disability insurers will commonly send an Attending Physicians Statement to the physician asking for details about the condition. The purpose is to determine disability. So many MD's put generic answers in which result in the denial of the claim and yet they should have asked these same questions of themselves when determining that the individual was unfit to return to work. If they didn't then they are not properly serving their patients. 4) If you don't agree with the determination of the insurer DO NOT WASTE YOUR TIME by calling them to complain. FILE AN APPEAL and personally obtain documentation from the physician about your condition. READ IT. Does it specify your condition what or how it limits you? Compare it to your job description. If you can't look at the physician information and say "Well because this person has x condition which here says they can't do this, this, and this.... and the job description say they do this, this and this as part of their job... They can't do their job. How long will this limitation exist? IS IT LISTED at least an estimate? When does the MD anticipate you may be able to return to work? Would this be only Part time? Is physical therapy ordered or when will it start? Lack of this type of information leads the insurer to deny the claim because of lack of management of the condition. (We'll wait and see doesn't work in the insurance world. But "when the patient is able to move their legs 20* unassisted then we can start physical therapy. upon patient able to move their legs 50* they can partially return to work upon 90* motion returned to patient they can return to work for pre-disability hours) Even though there are not dates provided there is a plan and goals to indicate when the patient would be able to move to the next step, IE: a plan.