After someone sustains a spinal cord injury, one of the most important issues he or she must deal with is insurance coverage because treatment and rehabilitation are just as expensive in Connecticut as they are in any other Northeastern state. A previous post on this blog discussed the basic steps spinal cord injury victims and their families can take to maximize their chances of insurance compensation.
Unfortunately, getting payment on an insurance claim is not always easy. Sometimes claimants have to go the extra mile to ensure that their claims are processed without delay. The basics were presented in the previous post. This blog amplifies on some of the details.
First, victims and family members should speak up about their concerns regarding every claim-related matter. They should never assume that a claims adjustment office has their best interests at heart. Second, people should preserve copies of all communications with the insurance company so that any future disputes can be dealt with effectively. For each piece of correspondence, include the date, the purpose of the correspondence, the person who responded and the outcome of the communication.
Third, educate the insurance company representative about spinal cord injuries and the victim’s specific condition and situation. Doing so can enlist the representative as an advocate for the victim, especially if he or she understands the difficulties the victim faces from the injury and its treatment.
If a spinal cord injury victim and his or her family follows these basic steps when filing for insurance benefits, the claims process is more likely to run smoothly. Even so, many Connecticut residents who have dealt with insurance companies know that filing a claim can be difficult. For that reason alone, it may be wise to engage an experienced attorney to represent the victim and family in order to secure appropriate financial relief.
Source: SpinalInjury101.org, “Steps to Negotiate the Insurance Maze,” Accessed on March 11, 2015