TO TABLE OF CONTENTS
Correspondence with the Chronicle editor
insurers: Thanks for the help
The summer issue was so personally
significant and beneficial to me that I had to write to thank you. The legal
information you included (“Navigating the Disability Insurance Maze,” by Mark D.
DeBofsky) was invaluable, as I am undergoing my five-year “review” from SSDI in
addition to a review from my private long term disability (LTD) insurance
The insurance company
sent a video team to follow and film me this summer (they filmed me hobbling
about 50 feet walking my dogs, and also going to the pharmacy to pick up my
medications). They also are trying to get access to my home. I find this
offensive to say the least.
I am ready to fight
back in order to retain my benefits. I will not be intimidated. I will cite
legal cases mentioned in Mr. Debofsky’s article to my insurance company after
they take their next step — which I am sure will be to try to cut off my monthly
I just wanted to let
you know how much the information you publish in the Chronicle hits home. The
information is timely, useful and has “legal legs.” It is so heartening to know
that I am not alone in this fight. Thank you again for such a fine publication.
withheld by request
Insurers won’t play fair
Thanks to Mr. Debofsky for much-needed
information on Long Term Disability (LTD) insurance and how to win an appeal.
Unfortunately, the article leads one to believe that as long you have a good
attorney and all the necessary information, you will win your appeal. Sadly,
that is not the case.
Insurance companies do
not play fair. They routinely deny LTD claims that they have been paying for
years to obviously disabled people for no apparent reason. Most claimants are
made to endure humiliating appointments with independent medical examiners hired
by the insurance company. You can end up in litigation for years against a
company with very deep pockets.
I am constantly
looking over my shoulder and I breathe a sigh of relief every month when my
check arrives. But people on LTD need to know that they could be in for a huge
battle when it comes to appealing a denial of benefits.
withheld by request
Hot Topic: Your turn to speak out
One of the best ideas from this spring’s
Survey came from
an Association member in Lockhart, Texas. She suggested that we post a question
on the Readers’ Forum page of each issue, covering a subject of interest to the
CFIDS community. We will print the best of your responses to the “Hot Topic”
question in the next issue.
This issue’s Hot
“If you could explain one thing about your condition to a doctor, what
would it be?”
Send your responses to The CFIDS Association
of America, P.O. Box
Charlotte, NC 28222-0398, Attention: Chronicle Hot Topic. You also can
send your thoughts to us online at firstname.lastname@example.org.
Letters may have to be edited to meet our space and style
If you have ideas for
future Hot Topic questions, please send them to the same address.