Debra's complaint:
June 28, 2013

Insurance Company: Principal Financial Group
Coverage Type: Disability Insurance

• Claim Handling - Denial of Claim

I carried Principal Financial Group as my long-term disability insurance through my employer for over six years. I went on medical leave and was then fired when my FMLA ran out. My first symptoms occurred 18 months before my termination. As I was a nurse and my problems involved memory and accuracy, I was no longer employable. I applied for SSDI myself and was approved on the first try. According to my Principal policy, they should have paid me until that came through and should still be paying me over $500 a month to supplement my checks. (My policy was for two-thirds of salary.) They based their refusal on not getting a phone response from the psychologist who did the testing. I offered to see doctors of their choice, but they declined. I have been told by lawyers that $500 a month "isn't that much" and and is "not worth the fight". To me $500 a month is ALOT and the total backpay would be well into the thousands.

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