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Brenda's complaint:
June 05, 2013

Insurance Company: Citizens Property Insurance Co
Coverage Type: Disability Insurance

  • PolicyHolder Service - Inadequate Service
  • PolicyHolder Service - Denied Access to Services
  • PolicyHolder Service - Abusive Service
  • PolicyHolder Service - Unfair Negotiation
  • Claim Handling - Denial of Claim
  • Claim Handling - Unjustified Accusations
  • General - I feel abused by this company

I work for the State of Michigan. Citizens Managementis my Policy Holder for both my Workers Comp Insurance and my Long Term Disability Insurance.I was Injured on the job so I filed a workers Comp claim and was immediately denied even though it's a reinjury that the insurance company paid for before. I was not pleased so I filed a claim with my Long Term Diability Insurance company and was immediately denied. Even though I pay for my long term disability insurance, I was denied because Citizens management holds both policies (I think this is a conflict of Interest). When I threatened to report them my claims adjuster ask me to send in my claim again and I was approved for 10 Months. After ten months of paying my wages Citizens ManagementC decides to send me to a So Called Independent Doctor(Independent of me but Totally dependent on Citizens Management to be paid for the examination and the medical report) so I have been denied disability coverage again even though my Doctors deem me unable to do my jobbecause of my injuries.My Employer has since then Layed off my whole department soI find myself Injured and Layed off from my jobI worked for 25 years,I can't draw unemployment because I can't work with a back injury.I have no income after 25 years and soon no place to stay. soon to be no doctor because he informed me (which is understandable) that he can't afford to care for me any more for free,so there goes my support of a claim.I have developed a stress disorder because of this.I am totally confused about what to do I need help. I have no means of support. I could retire but I'mnot ready. I feel I'm being discriinated against because ofmy disability. I can't even be retrained for another job

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