RE: Insurance/legal question

[Guest guest]

If you do any journaling for the ins co, make sure you keep copies for

yourself. But I would back out of doing it altogether.

J.

Mankato, MN

[Guest guest]

----- Original Message -----

> I find this very invasive and insulting. At first I thought it was

> just to make me feel that I am being monitored all the time and that

> my life is not my own. But now I'm thinking - is what I write down

> ever going to be used against me?

YES, it will be used to " PROVE " you are not as disabled as you truly are.

Insurance companies of any type are not on your side and are not your

friends.

You are not legally bound to your initial agreement. When they ask you for

the paperwork at some future point, just calmly tell them in your own words

that you are in too much pain to include this journaling in your limited

daily activity. They may pressure you or indicate that you are required to

fill it out, but don't be fooled, it's only an insurance company tactic.

Just as a quick example of how they could use this information against you,

let's suppose that on a particular day you journaled that you had lasagna

for dinner. The insurance company lawyer might well raise the claim that if

you were able to cook for 3 hours on that day you could have worked at

gainful employment just as easily, and your disability is not as serious as

you claim.

Volunteer nothing to these folks, and If your disability is going to be long

term you must have legal representation to protect yourself. Take care,

CA

[Guest guest]

Di, I wouldn't do anything until you're spoken with an attorney. I had my

first meeting with a personal injury attorney yesterday, and she told me that

from this point on, all correspondence with the insurance company will be done

through her. I no longer have to answer their questions or account to them for

anything. I put this off for 8 months (not really wanting to deal with a

lawsuit), but after being told that I will need spinal fusion soon - or at some

point in the future - to put " right " the damage done to my back by aggravation

of a (previously asymtomatic) pre-existing condition, I decided to get some

guidance. I wish I had done it sooner. Good luck.

. . . But now I'm thinking - is what I write down

ever going to be used against me?

I am going to get some legal advice but I wondered if you guys have

any ideas, or if anyone else has ever been asked to do something like

this.

[Guest guest]

Hi Di

I have to agree with the other folks who say don't fill out this daily log.

Keeping a pain journal seems to be a good idea but that would be only for

you and your doctor.

Tell the claims adjustor that you are in to much pain to keep an accurate

" log of your activities " .

These insurance companies will use any excuse to cancel your coverage.

Kaylene

>Hi everyone,

>I have just gone onto long term disability through my insurance

>company. The claims adjustor asked if I would mind filling out a

>daily log of my activities for a " period of time " . Not thinking about

>it too much, I agreed.

>

>I just got the letter giving the details of what they want: when I

>get up in the morning, when I eat, WHAT I eat (what does this have to

>do with my back??), what exactly I do all day and when, and the names

>and doses of all my medications and when I take them. They want me

>to write all this down every single day and mail it off to them the

>last day of EVERY month.

>

>I find this very invasive and insulting. At first I thought it was

>just to make me feel that I am being monitored all the time and that

>my life is not my own. But now I'm thinking - is what I write down

>ever going to be used against me?

>I am going to get some legal advice but I wondered if you guys have

>any ideas, or if anyone else has ever been asked to do something like

>this.

>

>Thanks a lot,

>Diane (maybe I'd better go by " Di " since there's a couple of other

>Diane's here and it's getting confusing)in Vancouver, B.C., Canada

>

>

_________________________________________________________________

Store more e-mails with MSN Hotmail Extra Storage – 4 plans to choose from!

http://click.atdmt.com/AVE/go/onm00200362ave/direct/01/

[Guest guest]

Di,

I'd suggest you read your policy carefully before not complying with

the monthly log. It is sometimes a requirement of the long term

disability policy. If your not sure, try to get some legal advice.

But don't discontinue the logs until you know they cannot use it as a

reason to deny your claim and make sure to keep copies of any

information or document that you send them as well as make sure you

docment the date as well as be sure to get the name and phone

number/extension of any representitive you make speak with on the

phone.

I cannot stress how important it is to document who you speak to and

to have copies of any information you might send them.