Principal

This is criminal.

Reviewed by Rayann K. on November 1st 2015   Verified Policyholder
I developed sciatica in Aug 2015. Principle ins is my std provider. It took them over 2 weeks to issue any cks because they we looking for preexisting conditions. They then withheld further cks while they delved thru the Pecos 6 mos of records w my previous pain mgt dr. I have never had sciatica in my life. Today they disallowed my claim, not for sciatica, but because I initially presented w lower back pain. I have had lower back pain since discovering bulging lumbar discs from a precious mva in 2003 that resulted in a cervical cage. Since “lower back pain” was noted in my med records from my x pain mgt dr they denied my claim. I recently had aCT scan that showed the bulging discs we the cause of my lower back pain however ruled out them being the cause of the sciatica as they are not impenging on the sciatic nerve. I have had chronic back pain. The sciatica is recent and not related. How do they get away w this? I now stands to lose my apt, car, med ins as I cannot pay the premiums to my employer in my absence, and everything I own /owe on. This is criminal. All over a measly $378.00 a week.
Reply
Sent on November 1st 2015 by Attorney Stephen Jessup

Please feel free to contact our office to discuss the denial and your rights to appeal. How long have you been with your employer and/or covered under the policy? Most STD policies do not contain pre-existing condition provisions- that is typically the realm of LTD policies.