2007-02-16 16:08:26 · 4 answers · asked by k.c. g 1 in Business & Finance ➔ Insurance
I went to the answer you posted about Allstate complaints, and saw the additional details you posted there. It's my understanding you have a disability policy, Allstate had your medical records reviewed (and possibly did an independent medical examination?), then denied your claim.
If this is an individual contract (a policy issued directly to you), then your state's insurance laws control this matter. In my state, a person who has a disability claim denied is entitled to a copy of the insurer's ENTIRE claim file, upon request. This includes independent reports.
However, if this is an employer group policy, you are entitled under ERISA to a complete copy of the claim file, including reports.
These provisions may be found in the appeals section of the contract, if required by applicable law.
I recommend you contact your insurance commissioner to discuss the facts of this denial further. Each insurance commissioner's office has investigators that look into disputes such as this.
2007-02-17 01:01:35 · answer #1 · answered by Suzanne: YPA 7 · 0⤊ 0⤋
What??? Who is withholding what information from whom?
What is the info independent of?
Who's contract with whom?
Like applying for life insurance? Be more specific...
2007-02-17 10:24:03 · answer #2 · answered by Custo 4 · 0⤊ 0⤋
Do not get the question. It depends on who they are and for what they are getting the info. ???
2007-02-17 00:17:29 · answer #3 · answered by MISS-MARY 6 · 0⤊ 0⤋
In relation to what?
2007-02-17 08:25:40 · answer #4 · answered by zippythejessi 7 · 0⤊ 0⤋