Alex's complaint:
September 17, 2012

Insurance Company: Colonial Life & Accident Insurance Company
Coverage Type: Disability Insurance

• Claim Handling - Denial of Claim

On 8/23/12 I was on my way to work and bent over to pick something up off the ground. I fell to the ground and could not get back up for about 20 min. I went immediately to the doctors that day and he wanted to get a MRI ASAP on my back. The doctor told me I could not work for at least two full weeks and to seek physical therapy. I had a doctor’s note that stated that I was not medically fit for work. I did what the doctor told me and had to take the time off of work to get better. I pay colonial life 150.00 a month for accident coverage and my policy states that this starts on the first day out of work due to injury. After 12 days they denied my claim because my doctor did not check off accident on the form. They are also saying that on 6/29/12 I had an x-ray on my back and it was pre-existing. As you can see it was only 2 months and when I had the x-ray because my back was just hurting and not to the extent that I could not work. I feel that this company is fraud and just takes your money. I have had this company and been paying 1800 a year and a total of 9000 to them I should be compensated for my time out of work. This company is a joke.

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