Top Five Mistakes Health Insureds Make

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Top Five Mistakes Health Insureds Make

Postby patoco » Thu Feb 15, 2007 12:27 am

Top Five Mistakes Health Insureds Make

1. Talk too much. Answer all questions asked truthfully, but do not
volunteer additional information about your life. Do not write extensive
letters, or any letters to a disability insurer more than a few sentences.
Defer all questions about restrictions and limitations to your physician and all questions about your occupation to your employer. Answer all questions asked truthfully, then be quiet. A disability insurer cannot hold against you what YOU DO NOT

2. Failure to read the policy. Failure to meet deadlines. Anyone or thing
that controls your money also controls you and the quality of life for your
family. Obtain a copy of your policy well in advance of a disability and
know what you are entitled to long before as sudden and unexpected
impairment occurs.

3. Failure to discuss claim candidly with physicians. A disability claim
should always be discussed with all treating physicians. You and your
physician should decide how to handle frequent and repeated requests for
information, IME's and surveillance. Physicians aren't always willing to
support disability when faced with vexatious requests from an insurance
company. Talk about it in advance, make sure your physician is well aware of the disability claim. Ask physicians to notify you of all requests they receive from the disability insurer.

4. Failure to stay in control of the claim. Maintain a journal of everyone
you speak to including names, dates and topic. Obtain all medical
information yourself and submit to the insurer confirmation of receipt.
Never fax without a printed confirmation of fax receipt. Ask questions, take names. Find out who is really making the claims decisions, get supervisor names, and/or ask to speak to supervisors. Be polite, but stay in control of the claim. Enforce deadlines.

5. Failure to realize the disability insurer is not acting in your best
interests. Insurance companies make money by NOT paying claims. This is the entire concept behind insurance "risk". Never believe a disabiltiy insurer is acting your best interests. Understand the intent and motivation of any disability insurer and act accordingly.

These are the top five!

Bob Weiss

Robert Weiss, M.S.
Lymphedema Treatment Advocate


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