Archived
My husbands insurance co. says he does not qualify for full or partial cancer benefits yet he died from stomach cancer ?
Elizabeth's answer
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Answered on August 03, 2018
If you disagree with the insurance company's decision denying benefits, you have the right to appeal. Review the insurance policy and denial letter...
Archived
Seeking reconsideration I let the 180 days passed under short term disability 09/9/2016?
Elizabeth's answer
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Answered on August 03, 2018
It depends on whether your claim was covered by ERISA (for employee benefits through an employer) or an individual policy. The 180 days required...
Archived
Can I reject an insurance offer and bargain with them?
Elizabeth's answer
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Answered on July 02, 2018
Yes, you can negotiate the car value with the insurance company but be expected to back up your number with blue book stats, photos, maintenance...
Archived
How do I hold Cigna responsible for denying my claim when I’m in the process of getting SS
Elizabeth's answer
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Answered on July 02, 2018
You need to read your LTD policy with Cigna and determine the process to appeal the denial of benefits. If the policy is through an employer, it is...
Can a contractor file a disability insurance claim?
Elizabeth's answer
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Answered on May 24, 2018
Here is a similar question with helpful answers: https://www.avvo.com/legal-answers/how-to-fill-out-a-notice-to-employer-disability-in-2282530.html...
Archived
Do I need a lawyer to help resolve medical debt?
Elizabeth's answer
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Answered on May 22, 2018
If you were not covered under the BCBS plan and BCBS paid anyway, you are likely responsible for bills during that time period because you were not...
Archived
What are my options?
Elizabeth's answer
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Answered on March 21, 2018
Yes, the federal law ERISA requires an appeal submitted within 180 days from the date of receipt of the denial letter. (To be safe, calculate 180...
Ambulance company failed to file for payment according to terms. Had incorrect contact info and now dinged his credit....
Elizabeth's answer
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Answered on March 15, 2018
Ditto the previous point that it is the patient's responsibility to bill the insurance company. There is a required time to submit a proof of loss...
Can Kaiser Permanente just stop my medical with no warning?
Elizabeth's answer
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Answered on March 15, 2018
No, you should not be dropped from insurance without proper notice. However, you may have other options for health coverage. If you are disabled,...
Archived
Montgomery County woman Got pregnant no insurance and low annual income should she get an insurance or there are free programs?
Elizabeth's answer
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Answered on March 13, 2018
You could try Planned Parenthood - the closest one to you is in Gaithersburg and according to their website, offers prenatal care and childbirth...
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