How do I fight an insurance company when they denied my long term disabilty claim for Fibromyalgia?
116939
Keep doctor documentation and keep fighting.  The idea is that you'll give up before they do.  So don't.
873653
I work for a personal injury firm. When you get into an accident, it doesn't only depend on how much of your medical bills are. It depends on how injured you are. Just because you were in an accident doesn't mean that you will get compensated b/c of your medical bills. You must prove significant injury. But based on your 100K in bills so far, it seems pretty serious. So I wouldn't worry about. \n\nHowever, you can't get more money than what the policy has. You have a lawyer right? They will file a suit for you. What you should tell him is the file the suit now because your case will take a long time to settle if you don't. \n\nAlso the only way you can get more money from the accident, is if (a) you have an underinsured motorist policy that exceeds that amount (which you can get the difference, if it settles for their entire policy) or (b) they have an umbrella policy (that's a homeowners policy which could be in the millions, but if their not homeowners then theres no policy); \n\nAnother thing you have to check is when they told you its a 500K policy, is it a single combined limit? (that means all injured parties will have to share the 500K in the policy, no matter how many were injured or their injuries) or is it a 250/500 policy? because that means that the most you can get as an individual is $250,000 only. It's basically $250K per person/$500 per accident. So you should find out because if you weren't the only one injured, then you'll be looking at the funds being split amongst the injured parties. \n\nWhen you sue, you are basically suing for pain and suffering, emotional distress, and loss of enjoyment of life. Those are thing s you must prove. Psychologist, can prove emotional distress. Enjoyment of life? like not being able to workout, go dancing, have intimite relations with your significant other. Those are thing s you must prove, especially if it goes to court. \n\nGood luck.
298147
Keep track of dates, times, hospital visits, witnesses, the more you have the better your case will be. Do not be intimidated by superiros trying to put you off claiming for it. Get in touch with a solicitor for advise and state your case. \nAndif you go for it never accept the first two offers for compensation. I think (but check up on this) that after the refusal of the third offer it goes to court. \nLastly be prepared for a long wait, i was injured in a bike accident and it took two years before I seen anything.
89965
I don't quite understand the question.  Are you asking how to defend yourself against the lawsuit?  Your insurance company should be hiring a lawyer to represent you.
1142620
First of all, never never quit.  Look carefully at the reason given for denial, and then take it step by step building all your evidence that will support your position.  When you have everything in order, then resubmit your claim because you will receive benefits for which you are entitled.  That is the law, and no one representative has the power to deny you what is right.
1143174
Did you have health insurance through work and then left the job, or did a personal policy expire? If you had insurance through work, then you have 63 days to get a new job with health insurance. If you do, then the Health Insurance Portability and Accountability Act (HIPAA) protects you and you can’t be denied coverage from a group health plan, and the length of time you have to wait for epilepsy coverage is reduced, depending on the amount of time you were previously insured.\n\nOn the state law, side, contact your state insurance department to see what kind of legal protection you have there (link below).\n\nI did a quick search for epilepsy support programs at Needy Meds that help with medical costs and could only find two (New Jersey and Central Florida).  The link’s below. Also, it seems that there are epilepsy organizations in about every state, so just do a search.\n\nYou should probably record your history of epilepsy. Some insurance companies weigh the frequency and severity of seizures when deciding to accept applicants who have epilepsy. Also, if you haven’t had an attack in a while, that could make it easier, too. Also, if your seizures are controlled, that could make insurance easier to obtain and less expensive. If you are looking for a personal policy, you should talk with local health insurance agents. MostChoice.com is a good place to start. There’s not cost or obligation to buy insurance. You just fill out a short form, review online quotes from local health plans, and state-licensed agents should contact you within 48 hours. Tell them about your situation, and let them do the legwork. If you like what one of them comes back with, then buy the policy. If you’re not happy with what an agent is offering, then move on.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes@MostChoice
106035
As a workers' comp. attorney, it has been my experience that proceeding on a WC claim is a very long and tedious affair for injured workers.  It sounds like you are currently receiving some form of treatment, which is good.  It can take months to go to a hearing, and then months more if there is an appeal.\n\nIf you think your attorney is not diligently representing your interests, you are always free to get a second opinion.
430579
You definitely have a case for unemployment, but the underlying question is "How do I get my job back?"\n\nLook at other circumstances surrounding the absence.   FMLA would have covered your absence, as long as you met the number of hours worked.   You need to find that out.   If there are other circumstances, like you failed to call off from work for two or three days before you showed up with the Dr's excuse...or perhaps had too many absenses prior to this one.   \n\nRegardless, you need to consult a lawyer with all of the facts.   He will advise you as to the proper recourse.   If you are uncomfortable with a lawyer, then you need to go through the Boeing appeal process, which is available through corporate Human Resources.   If they refuse that, make sure they refuse it in writing....and take that to the lawyer.\n\nGood luck, and I hope you feel better.   \n\nPS:  If you win, you will get back wages.
740782
hello there.\nsince your employers have put you out of work for the cause of a physical disability, you should be covered for the costs of your electric scooter.\ngood luck!\njasmine.
743453
As i said before get a solicitor and he will look at all the information you have.Sounds to me the solicitor will sue them for negligance.I had a bad fall 7 years ago down a pot hole right outside the bus stop when i was getting off a bus.I had to have a operation to repair a main ligament which came off the lateral side off my ankle.In plaster cast for 6 wks,then physio for 2 mths.The council admitted lybility and i was offered £24,000 which i accepted.Also the council payed all expensies for the operation in a private hospital,physio treatment.You have a strong case here and sounds to me you will be awarded if won alot more then me as i have not goune through all what you have,also all the operations you have had to recieve,and off course your age.Good Luck
1147415
What's done is done.  It might be better to move forward in an informed manner.  If, however, you think that violations were made by your former employer, take them up with your state's labor board.  If not, chalk it up as a costly lesson, but a lesson nonetheless.\n\nYour condition is a chronic one.  A perfect fit for you would be an employer that has very liberal time off, as well as one whom offers great health benefits, and perhaps even optional long-term disability insurance.\n\nThose companies exist, but you really need to do your homework.  Don't just take the next job that somes along.  Rather, research companies in your area based on their rate of pay, benefits, time off, and leave policies, versus your skillset.  If you need ot improve your level of skills in order to qualify for a particular employer, then do what you must as your livelihood is at stake.\n\nI am unaware of other countries' employment policies.  If you are in the US, however, within the interview process the employer cannot ask you about the status of your health, although the application can ask if you have sufficient health to perform the job's requirements.  \n\nUntil 1999, I worked nine years for a state agency.  The pay was great--particularly in the latter years.  Benefits were very reasonable, plus I also took out additional optional disability insurance.  It paid me during the time I had to take off to have foot surgery.  I was also elibible for FMLA (the Family Medical Leave Act) because I have a number of chronic and deterioritive conditions as a result of being hit by a car several years prior to my employment.  I had to have my physician complete a BURN form, which outlined all of my pre-existing, chronic, intermittent conditions.  That way, if I had to call out sick when one of those problems flared up, I was not penalized.\n\nUpon leaving that state's employment and subsequently moving to Las Vegas, I found that employers are not as generous here, in terms of benefits.  A breathing problem developed last year (I had been working in a casino, and was exposed to cigarette smoke for nearly three years.), and the consequential bedrest triggered my back condition.  I tried to return to work, but was physically unable.  \n\nI wish you the best, and hope you find the right fit that is mutually beneficial.
1033119
Call the agent that wrote the policy for you, they should be able to get it for you. One of my customers called his Workers Comp Ins. Co just yesterday and guess what happened-the Ins Co. ignored his call and called me to ask if I knew why he was calling!! I had to call my Insured and find out what he needed. He thought he would save time by calling direct not realizing many Ins Co's do not talk to the Insured's directly, but go through the Agent. This may be what is happening to your phone messages-they're being ignored. Your Agent will be able to get that paper for you fairly quickly, they may even have a copy of it in their files (we keep W/Comp files for 7 years after they expire)\nGood luck!
891411
Hello,\n\nNumber #1 - It depends on what state this incident occurred and what their bylaws are regarding the Dept. of Motor Vehicles(DMV).\nNumber #2 - Restrictions such as those you listed could mean that the driver could only drive during the day, or possibly with the physical condition a six meant they could only walk so far without assistance.  You might try to check and see if the other driver had handicap parking plates or a placard. \nNumber #3 - You listed that the driver had a history of seizures, now I don't know what state your in, however most states have serious restrictions if not complete forbiddance of the issuing of a license to someone who might blank out at anytime.  This could also be a factor of one of the restrictions, possibly he had to have someone with him at all times to be able to drive.\nNumber #4 - Don't believe all the answers that you will get on this about suing this other driver.  If the person was elderly, or on a pension suing will not get you very much except for a big headache which you probably don't need any more to worry about.  You also didn't mention if the other driver had insurance or not.  You can go after them for pain and suffering or loss of time off work.  These are often referred to as "punitive" damages.  Be weary of Lawyers wanting to represent you for "free" or "Pro Bono" which is the technical term.  They will offer to represent you and if you lose, no charge for there services.  What they don't tell you is you still have to pay the retainer fee, any office fees (i.e. copying, faxing, phone calls or questions)  The only people who come out ahead in this type of situation are the Lawyers.  Good luck to you.  I hope this helped.  \nI've seen enough of these types of cases, as you see I was a  Community Service Officer with the Police for four years.\n\nSincerely,\nFawkes
951396
maybe you need to go on temporary disability because your doctor doesn't want you working and you need money to survive.  try looking into it (if you have that available there)
150549
Wow sorry to hear about this. I myself have MS with Chronic pain so I know exactly where you are coming from because that was my diagnosis along with fibromyalgia for many years.\nLearn to pace yourself and to stop beating yourself up because you CAN'T do it today.\n It isn't easy but with time it will be\n Check out the fibro site below they offer some pretty good advice on dealing with all those issues you mention.
967240
You are on limited duty because..... \n\nIf accident at work, your covered under worker compensation, and company should respect the limitations.  On the other hand, if you were injured off the job, or contacted some illness that required limited duty, you have certain obligations not to engage in any activity which would endanger your health or aggravate your condition.\n\nIf your supervisor insists that you perform work which you and your doctor feel would be detrimental to your well-being, then I would recommend that you tell the supervisor that you are refusing due to health condition, and that if s/he persists in threatening you, that you will exercise your options - legal and otherwise.
247539
Hey, Dude, it only took me about five months to get my disability.  I have been on it now since 2000.  Maybe you should get a lawyer involved in your case.