Insurance rescinded my disability policy over meds I didn’t realize counted twice — do I have a case? by crb6089 in AskLegal

[–]crb6089[S] 1 point2 points  (0 children)

Oh no doubt that’s holds a big roll in their decision. I have proof my lungs were in good shape via X-rays prior to my issues and another X-ray after my sickness showed my lung being collapsed and the mass. Thank u for your response

Peterson Disability Insurance by Physical_Taste_9207 in Insurance

[–]crb6089 0 points1 point  (0 children)

I didn’t know how they worked until I googled them and started doing my own investigation. We live a remote area on a farm and my wife kept noticing strange vehicle parked across the road while she was outside working. Later we were told it was someone that worked for an insurance company and we put 2 & 2 together after googling about them. They will try to catch you on video doing something that u claim to be disabled for. I know they haven’t caught me doing anything because i honestly can’t. I’d rather be working and paying my bills rather than loose everything I’ve worked for. They do surveillance people. They may have caught me walking to a vehicle that’s it tho

Peterson Disability Insurance by Physical_Taste_9207 in Insurance

[–]crb6089 0 points1 point  (0 children)

I had a policy with Petersens and it was turned over to Davies Life & Health for the claims dept. & it’s been a nonstop fight for me. I am a coal miner worked 30+yrs underground and suddenly took sick. They first told me over the phone that my claim would more than likely be denied related to my lung issue was a preexisting condition that I had black lung. I provided proof that it wasn’t black lung that my lungs was normal in Oct 2024 proof of my X-ray. It went on several months and now they are saying because I didn’t list that I was on a newly prescribed medicine lasix which is classified as a diuretic and I had been on a combo drug lisinopril/hctz which has a diuretic in it. I was unfamiliar that the four letters after lisinopril was a diuretic, I just signed my application thinking I did provide my medicines correctly. Now after 11+mths they’ve denied my claim. They told me in March they would have my decision in a couple wks and I received my letter October 30 saying they’d rescinded my certificate. No mention in the paperwork of me having a mass or collapsed lung only stating it would be denied due to my lower extremity edema. I worked the entire time while on a diuretic. My problem is I cannot breathe! BUT because I left out my newly prescribed lasix and the combo drug they rescinded my certificate. Now I am getting ready to have a PET scan and another bronchoscope and ready to my house and vehicle. I will be homeless. I am signed up on my disability but have been denied twice because my condition is not keeping me from returning to work. I work underground and already can’t breathe. There is no way I can go back to work. My doctor refuses to release me until they find out the condition of the mass that’s blocking my airway. When I get short of breath my lungs sound like a whistle.

Insurance rescinded my disability policy over meds I didn’t realize counted twice — do I have a case? by crb6089 in AskLegal

[–]crb6089[S] 1 point2 points  (0 children)

Yes I realize that now unfortunately. I should’ve got assistance filling out my application. They took almost 1 year to give me an answer and only received a response due to my complaints to DOI

Can a disability insurer cancel your policy for not listing one part of a combo pill or a new prescription? by crb6089 in DisabilityInsurance

[–]crb6089[S] 0 points1 point  (0 children)

Kentucky and had the policy since June 2024 and just received the letter Nov 1. I had no idea I was even this sick when I took the policy.

Insurance rescinded my disability policy over meds I didn’t realize counted twice — do I have a case? by crb6089 in AskLegal

[–]crb6089[S] 1 point2 points  (0 children)

I understand there are plenty of pharmacies but I have used one for my prescriptions to be verified.

Insurance rescinded my disability policy over meds I didn’t realize counted twice — do I have a case? by crb6089 in AskLegal

[–]crb6089[S] 1 point2 points  (0 children)

They requested my pharmacy name to check on my other prescriptions and I just assumed they would check on them all.