Standard

The Standard thought my condition was preexisting and denied me

Reviewed by Laura on September 30th 2015   Verified Policyholder
I had my Gallbladder removed September 2015 and 2 tumors were discovered. I had a liver resection November 2014 along with my Lap Band and a lot of adhesions that were stuck to my Lap Band, stomach and liver on the left and lower abdomen adhesions on the right which tubing from my Lap Band was removed. I was in ICU for 3 days and then an additional 8 days. I have had chronic pain since. I was on STD and in February 2015 applied for LTD and was denied saying I should have been totally healed by January 3rd. I filed my appeal, have seen 3 more surgeons that didn’t want to remove the built up adhesions saying the liability was too high, acupuncture and Graston Myofascial for the adhesions, which hurts like hell and now my adhesions on the right are huge and too deep on the left to measure. In August of this year, I took myself off of all pain medicine since it wasn’t working. I have had 2 abdominal blocks that haven’t worked. I am wearing now Lidocaine patches on my abdomen and am seeing my anesthesiologist at the AZ Pain Center again to talk an implant in my spine to block the abdominal pain. The Standard denied my appeal saying it was preexisting… I was actually sick on the job took a week’s vacation and ended up having surgery and that’s how I was put on STD. I have waited forever it seems, February – October, to only be denied again, have met my maximum out of pocket to get better ($7,500), am now pennyless and am so angry and depressed an now setting an LPC. Two months ago I moved in with my daughter. I’m sure I need an attorney and have no money for a retainer. Do I even have a chance at winning this case if I proceed.
Reply
Sent on September 30th 2015 by Attorney Rachel Alters

Laura, please contact our office to discuss your rights to bring a lawsuit under ERISA. We will need to see a copy of your denial letters, appeal and Policy.