It's midnight and your young child is screaming in pain. You have sought desperately to understand what is going on and have taken every measure you can think of to alleviate the symptoms. After being wholly unsuccessful in efforts to help your loved one, you rush to the local emergency room for help.
A former medical director for one of the country's largest health insurers perhaps thought he was engaged in a rather run-of-the-mill deposition a while back in a matter concerning insurance denial for one policyholder.
Purchasing long-term care insurance may have given you a certain amount of peace of mind. After all, about 70 percent of older Americans eventually need some form of extended care, whether it is following an injury, surgery or lengthy illness. Now that you are approaching retirement, you may want to review your coverage to avoid a claim denial at the worst possible time.
Sometimes an insurance coverage dispute and resolution can make some key points without being a high-value claim. We think that the following story will readily resonate with many of our Oklahoma readers.