Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
In my experience, if you feel convinced that you are not receiving the benefits outlined in the contract, you should hire an attorney. Hopefully the cost to secure an attorney will not be prohibitive for you. Most insurance companies have a significant legal department that can only be confronted by an attorney defending your interests.
If you are talking about a denial to an application for long term care insurance, there are several steps you can take:
1) Find out the reason for the denial.
2) If the reason is a mistake (e.g. your medical records say you were diagnosed with CHF but they later found out you did not have CHF), get a letter from your doctor succinctly explaining that, along with correct medical records, if possible.
3) If the reason was high blood pressure at the insurance exam, high cholesterol on their labs, etc, offer to pay for a blood pressure reading at your doctor's office, or a new blood test.
Declines for any type of insurance are usually final, but sometimes you can reverse them. Using an agency that has lots of experience with impaired risk cases helps.
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1) Find out the reason for the denial.
2) If the reason is a mistake (e.g. your medical records say you were diagnosed with CHF but they later found out you did not have CHF), get a letter from your doctor succinctly explaining that, along with correct medical records, if possible.
3) If the reason was high blood pressure at the insurance exam, high cholesterol on their labs, etc, offer to pay for a blood pressure reading at your doctor's office, or a new blood test.
Declines for any type of insurance are usually final, but sometimes you can reverse them. Using an agency that has lots of experience with impaired risk cases helps.