Insurance claim

[Guest guest]

Hi all,

Because I'm a single mum, I have quite a bit of " just-in-case "

insurance. A few days ago, I remembered that I had a " dread disease "

rider on my cancer policy and when I reread the policy, lupus is one

of the " dread diseases. " I called the insurance company today and

they're sending me the claim forms. It's a lump sum payment.

I could sure use the money to help with the times when my sick days

are all used up and I'm too sick to go to work. I also need to have

some rails or something installed for me to hold onto in the shower

and other areas of my bathroom.

I wonder how difficult it is, though, to get the money. My test

results are radically different every time I have bloodwork, so is it

even possible to prove definitively to an insurance company that one

has Lupus? Since they CAN definitively show I have RA through the RF

and swelling/bone changes, do you think the insurance company will

blame RA for everything? (RA is not listed as a " dread disease. " Ha!)

Just wondering if any of you had a similar insurance claim and if

y'all think it's even possible to satisfy an insurance company's

demands? I'm certainly going to file the claim, but I have no idea

what to expect.

-Anne