I may have stuck my toe in the wrong pond . . .

[BananaPooh]

I have been paying sizeable premiums for short and long-term disability through my employer - for several years.  Now I find myself unable to do my job at age 62.  In reading the qualifications for total disability, I find the insurer goes by the AMA Guidelines.  I googled all over the place about the AMA Guidelines, and I find them illusive.  They seem to change sustantively each year.  These Guidelines go by body part.  My issues are heart, lungs, OSA, OA, and EBV.  Absolutely nothing has been amputated!  My claim would be for non-occupational disability.  Does anyone know how to prepare a claim under these vague guidelines?

I am new to medhelp, if this is a wrong topic, I apologize.  (I don't see any similar threads.)

[BananaPooh]

Yes, Fort Dearborn has a customer support line.  All I got from them was an application.  I didn't get to talk to a specialist.  What I really want to ask is "How do I present a claim so that you will be unable to deny it?"

[Amir Mostafaie]

Dear BananaPooh,

I can help you with questions and support regarding health insurance issues such as Medicare, Medicaid, Long-term health insurance, COBRA, insurance portability however I can help you with disability insurance related issues.
Does your disability insurance carrier have any customer service and/or support that can help you with your questions?

Sincerely,

Amir Mostafaie