Tuesday, March 5, 2013

Dealing with Disability Claim Rejections

SEATTLE (ESTRA) - Adding rejection when someone is already hurting physically, emotionally, financially, in my opinion, creates an enormous amount of unnecessary suffering.  Expectation of financial safety and security is thrown out the window.  In some cases, those thought to be  trustworthy, turn out to be ones destine for holding on to money you thought one day would be available for daily living and protection from any unforeseen tragedy.  But, has it happened that way?  Has your expectations for Insurance Companies or Employers held up under personal scrutiny?  Fortunately, those with resources are able to protect their interest, in my opinion.  Unfortunately, the average Jenna or the average Joe may not be afforded this same option.  In fact, from my perspective, many have faced unrelenting harassment and intimidation in order to eliminate their claims.  The psychological games played with their mind, in my opinion, could almost rival what a soldier may face on the battlefield.  They must make decisions under duress, they must figure out truth from fiction, while still trying to hold on to life that could be quickly fading.     

So what happens if and when  a preponderance of rejections come from many directions at once, in hopes of discouraging and breaking down those filing disability claims?   How well will you hold up? From my perspective, it depends on the level of past and current sufferings, how informed you are on objectives of this rejection, current support systems,  and most importantly , a determination not to give up on yourself.  Make a decision how much you want to fight those whom have made a choice not to pay  disability claims.  It takes a lot of time and energy for a person who is injured or sick to go through claim processing hoops in the middle of trying heal.

In my opinion, those organizations that choose this path, want to strike while injured are the most incapacitated.  Thus, at your worst.  They are at their best.  And, if kept up long enough, they can possibly hinder recovery efforts, and use up any additional energy you may have to take them on.  But, is this true?  What are your options?

If you find someone to assist in struggles, make sure they do not work with companies you are coming up against.  Don’t be surprised by the strange bedfellows of today.  It’s important to always be your best advocate, and stay abreast on anything related to your well-being.

Another option is to take your time.  Move slowly until health has a chance for improvement.  This is a possible point where the best decisions may be made on your behalf.  This means learning what needs to be done, seeking out others who have taken this same road so you can learn from their mistakes and victories, in order to develop your own plan.  A rejection does not mean it’s over.  From my point of view, it means finding the open doors.

Additionally, another option is making a decision not to deal with them at all. Yes, really, it is your life.  You have a choice.  Continue your recovery,  Be determined to do very well in spite of possible bad faith practices.  Regardless of Insurance or Employer actions or behaviors, it’s your life, and you can choose your destiny whether able or disabled.  Don’t give anyone rights over your life.  It is given to you, so live it to your best abilities, no matter what comes.  No matter what rejections happen.

Seek out choices until finding what fits your needs.  The important thing, in my opinion, is not to allow the rejection experienced by Insurance Companies or Employers to create a bleak picture in your heart and mind.   You have options, life is not futile, although it may be hard because of  refusals to pay disability benefits in case you become injured or sick.  From my perspective, in life, one reaps what one sows.  You may not see the results of this behavior, but I personally believe it will come.  Life is too short to stop dreaming and reaching for your goals in life.  Use this rejection as fuel to move forward in life.  Realize this has no reflection of who you are, your value, or your abilities.  Trust and believe in yourself, and what you can do, in spite of possible bad faith practices.

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