Disability Insurance Claim Denial Appeal Letter Template 8 Top Risks Of Disability Insurance Claim Denial Appeal Letter Template

BATON ROUGE – Shelly Marmillion, a affiliated mother of two, afresh accustomed a letter in the mail from Lincoln Banking Group advertence that they would not be advantageous her abiding affliction allowance action aback they affirmation her breast blight in 2012 was a above-mentioned condition.



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In 2012, Marmillion had beneath than a one-percent adventitious of the blight returning. She underwent a bifold mastectomy, chemotherapy, radiation, and had lymph nodes removed. She was cancer-free according to bright scans over the abutting bristles years.



The Marmillion ancestors is no drifter to advantageous adversity. They confused from New Orleans to Baton Rouge afterwards Hurricane Katrina in 2005. Their home abounding four anxiety during the Great Flood of 2016, and now she’s aggressive Date 4 cancer.



In the alpha of 2018, Marmillion said she began developing some lower aback affliction at work.

“I attributed it to affairs a beef on the job,” Marmillion recalled.

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When the affliction didn’t ease, Marmillion had added tests done.

“We did an MRI that appear I had metastatic blight in my spine,” Marmillion said.

At the time of her diagnosis, Marmillion formed for Baton Rouge Orthopaedic Clinic. She was active there accomplishing her dream job. Alive became absurd as the blight ate through her aback abrogation it “like Swiss cheese,” she said. Emergency anaplasty was bare aloof so she could airing again. Marmillion approved to get paid through her company’s abiding affliction action to awning her ascent medical expenses. Instead, she accustomed abominable news.

“They are adage because I saw my oncologist for anniversary aftereffect visits and was placed on a bactericide medication alleged Tomoxifin to anticipate cancer, they denied my abiding affliction based on that,” Marmillion said.

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A letter from Lincoln Banking to Marmillion reads in part, “Your action is above-mentioned as authentic by this policy… Therefore, you are not acceptable to accept benefits, and we accept denied your claim.”

“Battling date 4 blight is demanding enough, but the banking aspect of ambidextrous with all of this has been added demanding than the blight itself,” Marmillion said.

The words of abnegation by Lincoln Banking were devastating.

“It’s absolutely not easy, the accent of this, like I said, connected buzz calls, people, we owe money for our bills and argumentation with them, ‘can you amuse authority off a brace of months’ some are sympathetic, and some are not,” Marmillion recalled as she fought aback tears.

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Marmillion is currently ambrosial the allowance company’s accommodation but said as bill collectors appear knocking, she wants others to apperceive about what’s accident to her. She’s anxious that she isn’t the alone one aggressive allowance companies.

“There are canicule I don’t feel well, that I’m uncomfortable,” Marmillion said. “The accent of this adds to it, and I feel like it could be adverse my accretion and it’s absolutely unnecessary. It doesn’t accept to be this way, and it shouldn’t be.”

A backer abreast Philadelphia appear the afterward annual on annual of Lincoln Financial:

“Lincoln Banking does not animadversion on advancing claims. We are committed to accouterment a abounding and fair analysis of all claims, in accordance with the agreement and altitude of a claimant’s policy. All claimants accept a appropriate to book an address if he or she disagrees with our determination.”

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Currently, the Baton Rouge Orthopaedic Clinic said it is alive with Marmillion in hopes of accepting the allowance aggregation to pay her affliction coverage.

If you would like to advice the Marmillion family, a go-fund-me annual has been set up and can be accessed here.

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Last Updated: December 31st, 2018 by admin2
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