I have a question that I'm hoping someone can answer - I appreciate any insight or help. I was "denied" from my insurance company for my Long Term Disability claim stating that I had "symptoms" of a pre-existing condition prior to my insurance start date a few years ago.

Of these "previous symtoms" none were diagnosed as the disease I currently have and which was diagnosed only recently after becoming very ill & eventually hosptialized.

Has anyone heard of them denying based on this? How could I be denied for "pre-symptoms" that were not diagnosed into this disease? Also I thought if I had continuous insurance between multiple employers that I could not be denied benefits based on pre-conditions per HIPPA?

At this point do I involve an attorney? Help?! :confused:

I do not beleive they can deny benefits simply on a sympton, it must be a dx. I would call an attorney asap. Hope this helps, lupey

Thanks Lupey for the reply. I'm definitely heading towards an attorney. :)

According to the HIPAA laws, if you have lost your health ins. coverage THROUGH NO FAULT OF YOUR OWN, and obtain a certficate of coverage from your former employer, then you have 43 days from the date your ins. terminated to be covered by another group plan. That plan cannot with hold coverage for pre-existing conditions. However ,if you lost coverage through your former employer by quitting your job or cancelling your benefits then that doesn't apply. Through "no fault of your own" means if your employer cancelled the entire group policy because of going out of business, etc...

It also doesn't apply if you were laid off, in that case you could still carry your ins. through COBRA for 18 months...There is a big difference in the ins. busness between your boss laying you off because he is going out of business, and him cancelling the entire group policy before going out of business...When he cancels the group policy it automatically means you aren't eligible for COBRA, thats why you must obtain a certificate of coverage so you will be covered by a new employer.

According to the HIPAA laws, if you have lost your health ins. coverage THROUGH NO FAULT OF YOUR OWN, and obtain a certficate of coverage from your former employer, then you have 43 days from the date your ins. terminated to be covered by another group plan. That plan cannot with hold coverage for pre-existing conditions. However ,if you lost coverage through your former employer by quitting your job or cancelling your benefits then that doesn't apply. Through "no fault of your own" means if your employer cancelled the entire group policy because of going out of business, etc...

It also doesn't apply if you were laid off, in that case you could still carry your ins. through COBRA for 18 months...There is a big difference in the ins. busness between your boss laying you off because he is going out of business, and him cancelling the entire group policy before going out of business...When he cancels the group policy it automatically means you aren't eligible for COBRA, thats why you must obtain a certificate of coverage so you will be covered by a new employer.
EXCELLENT POST!!!!! :cool: