This may be a discussion already started but I couldn't find one. I have had health insurance through my work since 2012. There is a short period of time each year for us to try and enroll in short term disability. I was only diagnosed in Oct.2015 and meant to enroll last enrollment period(May) but as things tend to do something came up and I was not able to submit my paperwork in time. I then tried this open enrollment and was denied because of my diagnosis with MS. I have 90 days to write an appeal letter and I was looking to find as many tips or rescources for this letter writing process. Words to use, not use. Any help with this process if you have it would be greatly appreciated! Thanks in advance :)
You may want to call the national ms society and speak with a navigator, they probably have a form letter for style as well as points about what is necessary to be included in the appeal. For me it was so long ago I only now remember having to go through the proccess. It seems like sop standard operating proceedure to make everyone jump through hoops before they open the wallet. It may seem discouraging. and annoying and it is, dont take it personally just keep fighting. maria
They will make you jump through every hoop. Newly diagnosed, Starting the appeal process. Relieved to be diagnosed so now I can maybe take action. Felt really off since 12/15.
Hi there, yes please do contact a Navigator at the National MS Society if you haven't already. We may have information to help with this and may also refer you to an attorney who has expertise in this area. 1-800-344-4867, option 1, Monday-Friday 7am-5pm MT.
You may wish to find an attorney who specializes in cases falling under the federal Employee Retirement Income and Security Act of 1974 ("ERISA"), which is the federal law which governs employee welfare (as opposed to pension) plans, and which would include STD and LTD plans. Without having all of the facts it is difficult to tell, but usually if you missed the enrollment period prior to your diagnosis and then tried to enroll after your diagnosis, you probably have no recourse. STD and LTD plans are not covered either by HIPAA or by ACA and thus are not required to cover persons with pre-existing conditions. But it wouldn't hurt to check with a lawyer who specializes in these cases who can assess all the facts and circumstances and give you a real legal opinion.. You can generally find them on your State's Bar website. Good luck.