My disability claim, Part 1.0, Biggest lesson learned, Talk to an attorney asap!, Regardless of social security workers comp or private policy
My advice to you: consult an attorney asap if you have incurred a disability from an accident or medical condition.
I wish that I had!
I did consult my Legal Shield Attorneys. They wrote a great letter. But that was not enough.
Why did I not engage legal representation?
This was a fraternal organization policy I paid on for 25 years.
And the contract read as follows:
“(c) Procedures. No lawsuits or any other actions may be brought for any claims or disputes covered by this section. The following are the steps and procedure for presenting and resolving disputes:
• Step 1. Appeal. Appeal of the dispute to a designated reviewer within the Society as appropriate to the dispute.
• Step 2. Mediation. If Step 1 does not result in a mutually satisfactory resolution, either party has the right to have the matter mediated in accordance with the applicable mediation rules of the American Arbitration Association (or the rules of another neutral organization as agreed upon by the parties). The mediation shall be administered by a neutral organization agreed upon by the parties.
• Step 3. Arbitration. If Step 2 does not result in a mutually satisfactory resolution, the matter will be resolved by binding arbitration in accordance with the applicable arbitration rules as prescribed by the American Arbitration Association (or the rules of another neutral organization mutually agreed upon) as applicable to the type of matter in dispute. The arbitration shall be administered by a neutral organization agreed upon by the parties. The decision of the arbitrator shall be final and binding, subject only to the right to appeal such decision as provided in the arbitration rules and applicable laws. The member, insured, certificate owner or beneficiary shall have the right to be represented by legal counsel of his or her choosing at any time at his or her own expense (unless, as provided in Section 11(f) below, he or she is awarded attorneys fees). If an issue in dispute is subject to law that prohibits parties from agreeing to submit future disputes to binding arbitration, arbitration results shall be non-binding, unless the parties agree to binding arbitration after the claim or dispute has arisen. The Society will take reasonable measures to assure that the dispute resolution process proceeds promptly.”
I tried like others to fill out their forms and supply the requested info.
It doesn’t matter!
Delay and deny is their strategy.
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