Principal

I cant but feel I am being starved out and given the runaround.

Reviewed by Christopher on June 7th 2016   Verified Policyholder
I went off of work may 29, 2015, with a blood clot in my leg. I have had vein surgeries in the past to alleviate pain and discomfort, all of which I took vacation on a Friday and returned to work Monday. This was different, my family and I were unsure of my future to put it lightly. I had surgery July 15, it was the soonest they could get me in after all the initial consults; ER department trips, doctor visits, referral, you know the drill. It was a lengthy, in depth, thorough surgery, correcting some other vein/vascular issues within both legs. However, when I awoke I was in excruciating pain. My lower back was on fire, a pain I have never felt. Furthermore, my midsection through lower half was numb, tingly, and sharp radiating pain set in after a couple of weeks post surgery. My lower extremities go numb, give out, I fall down, my back was and is killing me. Throughout the recovery time that should have been, my pain and immobility was worsening. My doctor decided we should run some tests on my back and body to find a cause, ensuing with; x-rays, CAT scan, MRI, and Doppler imaging. An anomalie was found within the L5-S1 vertebra. I suggested physical therapy to try and stretch some of the pressure on my spinal cords. The back doctor suggested surgery or at least some injections. After my physical therapy was terminated due to lost medical benefits, and I had the injections my symptoms still remain. The therapy was roughly September through November, and the injections were Dec first. Principal paid my short term after some minor delays through SEP 6, then told me they had to review for long term benefits. I received my denial just before Christmas, stating it was a preexisting condition. I was giving a 180 day appeal deadline, roughly 3-4 weeks before said time I sent an appeal letter along with all relevant medical records, tests, doctors notes, therapy report… They said they have 45 days to reply, but now they sent a proof of good health letter request. I had opted for this insurance in March of 2015, when my employer changed our carrier plans. the only reason I got the insurance is because my buddy almost died last year and his disability is the only thing he can provide for now. Who would of thought I would actually have some health problems. I am a college educated 34 year old fiancée and father of two, who has never had a gap in employment since mid-late teens. I have always provided responsibly, I cant but feel I am being starved out and given the runaround.
Reply
Sent on June 7th 2016 by Attorney Stephen Jessup

Christopher, I am not sure the reason for the proof of good health- was this from a different department? If the claim is already in appeal review then there would be little we could do to assist you until such time a potential denial of benefits issued. That being said, please feel free to contact our office to discuss your claim further.