Once again Insurance screws with me

paingry_The emotional state of anger caused by long term pain. And being in intense pain and damn angry about it.

I heard back from my insurance company about my Long-term disability leave from August till now. They will pay me from August 24 to Oct 14. last year. And no further. Leaving me quite short from October to January in funds.

This, of course, would Not have been a problem at all had they not screwed up in the first place and put me on short term instead of long-term. I was well into it before they discovered their mistake and said I had to apply for long-term, well appeal my long term. I had to return those funds. And it made the process that much delayed. Over $4000 dollars of money in delays I had to put back… before the long-term process could even start. Had it started right away it would be done and I’d be back at work already.

I might have to contact the ombudsman about this one since their error cost me thousands of dollars in workable time. And I am not to blame for that. So why should I have to pay for that?

The next issue is the insurance company doesn’t see my health as that big of an actual issue, as why they think I should only be off until October of last year. So I assume they think I am fine to work full time again, although they didn’t say it. But my doc, two psychologists and specialists thing I explicitly cannot work full time, only part-time.

Needless to say, I want a response on that issue as well.

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