Cancelled hip replacement because of COVID risk. Corporate disability claim may be closed.

[brewens]

My orthopedic surgeon documents that I need a total right hip, right knee and left shoulder. I scheduled the hip first and that kept my corporate disability claim open. They were going to reevaluate after the surgery.

I notified my Lincoln Financial claims manager of the cancellation and she said my claim would now be reviewed again, so they may try and cut me off. I made that call on my own. I wasn't going to risk it and won't until I am vaccinated. It would also put my sister and her husband at risk helping me out for at least the first few days. Plus I would not go to physical therapy under these conditions.

I'm in Idaho and in one of the worst towns for anti-mask, disease spreading vermin.

I'm assuming my claim will be closed and I'll have to appeal. I'm wondering what kind of luck a lawyer would have with this one? I think they should have to keep the claim open until I am vaccinated and can have the surgery.

[Ziggysmom]

1. I had a hip replacement last February

I had the anterior approach, less invasive muscle sparing surgery. I went home in less than 24 hours walking with a walker. It was great that my pain I had with each step before surgery was gone. I didn’t need any Physical Therapy and returned to work in less than 4 weeks.

I was so lucky to get my surgery before the COVID shit hit the fan. I’m sorry you are having problems with insurance; if they close your claim you may have no choice but to pursue legal action. Is there a Commissioner of Insurance office in your state that can assist? I’m in Wisconsin and got help from them with a problem in the past.

[NJCher]

2. if you think you might need to resort to legal action

start a diary of every contact, every phone call, every letter, every email. Have a timeline. You can start putting the history of the case together right now, beginning with all documents related to your claim.

[brewens]

3. I already appealed once and won with legal help. I kind of think my lawyer will dunk on their

asses over this. I was wondering what everyone else might think.

[NJCher]

4. yes, I think so, too

it's only fair.