I filed a claim with combined insurance on my accident policy, Dec.30th,2008 for an injury I incured after falling off a ladder while working on my house.
I'm a self-employed construction worker and bouhgt an accident policy on Sep.1998,to help with bills in case of an unexspected injury.
I injured my back Aug.20 2008. I had x-rays and an MRI done. For insurance purpuses my doctor suggested therapy,that did'nt work, which i knew it would'nt.
I then saw a Neurological surgen and had a milogram done which showed disc injury.I had surgury on Dec.8 2008 to repair the damaged disc.
I filled out the so called,simple,fast and easy claims form and faxed it to combined insurance.After a week i called them to check on the status of my claim.I was told it would take 7 to 10 working days before it would be reviewed.
Well of course it took moore than 10 days due to xmas and new years.I called them again Jan.14 1009 and they told me they needed more information from my doctor and w2ould need threr office notes.
The doctors sent this paper work and for weeks combined insurance denided receiving it.Finally after more time dragged by they received it and would need 7 to 10 days to review it.
Now it's Feb.24 2009, I called combined to check on the status of my claim.After being put on hold for 15 minutes again, i was told that my claim was denied because my doctors did'nt see me fall and how would combine know it was'nt a health problem and not an accident.
You have to be kidding me.I payed for this insurance for 10 years and in the time of need, it's not there to help pay the bills. Combine owes me two months of partial disability,four months total disability and can't go back to work till spring.
My morgage is in rears,my gas heat,electric,phone are all being threatened of termination.I can't believe this is happening. I'm in deep trouble and don't know what can do.
If there is an attorney or Government agency out there that would like to look into my situation,I would sure appriceate it.