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This covers minimum requirements.
Additional Details
Thank you for the valuable info. mbrcatz1. The whole policy is $390.00 a year. So I will definately check it out.... |
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ampaybklyn | How can I recover accidental death benefit when I don't have access to medical records? |
I'm the beneficiary of my domestic partner's life insurance/accidental death benefit. My boyfriend died in an accident. The insurance company won't pay out with the medical records, which I don't have authorization to sign for. What can I do to recover benefits?
Additional Details
The insurance company knows the situation, that I am the domestic partner without authority to sign for medical record release, but seems to want to make it difficult for me to receive the benefits. They are saying they can't pay the benefit until I provide the medical records. I have contacted numerous attorneys and no one seems interested in helping out. |
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Suzanne: YPA
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You're right, this is a very tough situation. Here are my recommendations:
1) If your partner has any living relatives, have the closest relative sign the authorization form;
2) Ask the insurer if it can use the authorization your partner signed when the policy was purchased. In some states, however, there are privacy laws that restrict a health care provider (such as a hospital) from releasing records with an authorization signed by a deceased person -- in other words, these states require that a living person authorize the release of records to ensure their confidentiality.
3) You can file a complaint with your state's insurance commissioner's office. Depending upon the cause and manner of death on the death certificate, the insurer may not have a reasonable need for the records. If this is the case, the insurance commissioner can order the insurer to pay. HOWEVER, if the insurer can provide a reasonable explanation as to why it must have the records, the commissioner's hands are tied.
4) You can speak with the health care provider(s) and ask directly what they require. This may clarify what's needed because sometimes insurers don't do a very good job of explaining this process to beneficiaries.
With regard to the insurer sending a subpoena to the health care provider(s): a subpoena is only sent if a party is in the process of litigating a matter. In the absense of litigation (a "law suit"), a subpoena is impossible. |
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bud68
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Who is the executor of the estate? That person should be able to get access to the records. |
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fth106
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Am I confused or didn't you post an answer regarding life insurance that you received pay out on a life insurance policy in 3-4 weeks? That post was almost at the exact time that you asked this question. Are there two separate loses here? |
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Maria V
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do to the fact the you only the girlfriend it's kind of screw up
beside that medical record are very confidential now days . call a lawyer or what about the life policy it's your name on it . where is hes copies? |
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Lori S
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Generally, authorization to release medical records is given by the insured at the time the policy is written. The reason being, that at some point records are going to be required, either at the underwriting stage or the pay out stage.
Call the insurance company and ask for a supervisor! |
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PiggiePants
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Sorry for your loss. Contact the insurance company and let them know of the situation, they should be able to request the necessary documents directly from the hospital. |
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