After 10 years I came to terms with a condition known as degenerative joint disease, I had to resign from a 20 year Radar career with Computer Sciences Raytheon.
I was certified as Totally Disable by two private physicians, and one from the SSA.
After I exhausted my medical leave (1 year) with the Corp. Aug. 05 I received a letter from Aetna basically stating I do not qualify to retain my life insurance, as I had been classified as capable of sedentary activity after one of my numerous surgeries, L. Hip (revision), spine (double laminectomy), and umbilical hernia, and still require the R. Hip (revision), more spinal corrective procedures, arthoscopic surgery for both knees, and a mastoid abscess.
Since the time of Aug. 05 I have exchanged numerous letters of correspondence with Aetna and the CA Department of Insurance, in an attempt to re-establish what should never have ceased.
I received a response from Aetna dated April 3 which maintains Aetna's' opinion that I am something other than Totally Disable.
According to the SSA, The Hartford, and my primary care physician, Dr. Bradley Davis, I am classified as Totally Disable.
My appointment on the 11th April with Dr. Davis has reconfirmed my condition as Totally Disable, and by no means has ever reported any other condition than such.
I have given him copies of the letters I received from Aetna, I must say Dr. Davis did not appreciate Aetna's twisted methods of handling what should have been an act of standard operating procedure, when the proper forms are utilized.
The dates indicated in the letter from Aetna correspond with Dr. Davis's office notes regarding treatment, Dr. Davis has assured me that the office notes do not, and should not have been utilized to justify or constitute my Total Disability.
Dr. Davis has informed me that a letter will be generated and sent to Aetna indicating my limitations and physical conditions, which will justify my Total Disability.
In former correspondence, Aetna requested that I personally retrieve and send the office notes of Dr. Davis as justification for the appeal process, this requested action from Aetna raised the question of why didn't Aetna send the appropriate disability forms to Dr. Davis directly for SOP justification of my disability. Is it possible Aetna unlike all other insurance companies does not have any such Disability Claim Forms???
I am seeking any and all assistance in the recovery of my insurance benefits as expressed in Aetna's policy of Total Disability.
Please advise me as to my options, I do not intend to let this matter go unresolved.
In my physical condition I cannot acquire insurance, other than insurance that is beyond my financial reach.
Sincerely
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