Avoid the frustration! I began my father's claim for a brief hospital stay back in June. As of March the company has gone out of its way to deny the claim. Let me be clear, what they doing is perfectly legal! They are acting within their guidelines. They continue to request more and more medical records. I have provided medical records from the entire hospital stay, the doctor's who took care of him during the stay, etc... Each time they request a record, they get the information, then request more information. I am approaching a year since since i started this claim. Today (3/01), I recieved a new request wanting doctor's records from 2007 through 2008. I have put more hours into this than the $500 claim is worth.
I am writing to warn other veterans to avoid these policies. They are not worth your time to collect the benefits and you will be out your premiums. My father is lucky he has someone to help him stay on top of this but not all of you will be so fortunate. Avoid the costs and headaches this insurnace company burdens you with. It sounds good up front, but you would be better taking the premiums and putting it into a savings account and access the money when you need it most. Seeing my father's frustration only wanted me to warn others to avoid this problem.
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