I insured my credit cards and now I am unable to work and they refuse to honor the Agreement in the insurance?

Question

First of all this is personal but I don't know where else to turn to Long story short is I served over sea's and came back a little Different. I spoke to doctors in 2004 and they told me to apply for benefits. They also did an evlutation on me and I just recently got my decision Dec 17 2007.

Now I am speaking to the Payment Protection Dept at WAMU and they say that in 2004 is when they would go back to because that's when I started recieiving treatment however I was able to work I worked all the way up until I received a letter From the VA stating I was I was 100% and unable to work. I am now on a fixed income and am having more trouble than I did before. Now tried to activate the Insurance I have been paying for.

Answer 1

It might help to call WAMU back, get the Protection Plan dept back on the phone and politely ask the first representative you get to please get you his/her MANAGER...not because you are unhappy with the first rep, but because you need to speak to somebody higher up who can give you #1 Their time, long enough to satisfy your question completely and #2 a better solution and better answer than just "no"...WAMU is a huge bank and they are regulated by the Feds...surely they are willing to let you speak to someone just one rung higher on the ladder (the manager) ask the manager if they can provide you with a phone number for an advocacy group for veterans having trouble with debt...spend long enough on the phone with a manager and you will get more answers...also, if you are having an issue with a mental illness the association NAMI can help you find answers to financial problems, NAMI ususally has local chapters (National Alliance on Mental Illness) check with your doctor and good luck on this.

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Answer 2

I don't understand what their "real" reason is.  Is it more a matter of paperwork or a matter of you "not meeting their requirements" for the coverage to begin?

Do you have a military advocate who you could turn to on this issue?  What about reaching out to the VFW or other "retired military" organization?  Do you attend a church?  There may be someone there who would be willing to do some of the legwork/arguing for you on this issue - someone who deals with this stuff on a daily basis (an attorney or a credit counselor or an accountant)?

Please don't get caught up in pride - it sounds like you're entitled to benefits going back to when you were first diagnosed (the fact that you were able to work when others, in your situation may not have been able to work shouldn't be counted against you - and if WAMU is insisting on the name of 1 doctor - do you think that you can get a letter from the dr who discharged you from care/the hosp?  

I realize that you probably don't want to call a lot of attention to this situation, but if you served your country - you should seriously think about contacting your local Congressman or Senator and seek help - you deserve better than what you're getting and you shouldn't have to navigate the bureaucracy alone!

This sounds like a mess, I hope that you can find someone who can help you - Good Luck!

Answer 3

talk to a lawyer they will help you!!!!

Don't back down because credit card companies are there to eat you up and your interests!!!

Answer 4

If you had already applied for disability for your condition before you took out the insurance, they're probably right in denying coverage.  Do you still have copies of the paperwork from when you signed up for the insurance?  Read it and see what it says about preexisting conditions.  

You didn't "become" disabled in Dec 2007 - that's when your disability claim was approved.  By filing the disability claim, whenever that was, you were saying you were already disabled then.

Answer 5

First, go over the paperwork and make sure your ducks are in a row.  Read the insurance agreement to see what your responsibilities were for reporting your disability to the insurer.  Even though you are claiming what you thought you were paying for, comb through everything and make sure that you are correct according to the fine print of the agreement.  (I think you are, and that they are bringing up something irrelevant to get out of paying.)

If you take a good look at everything and still think you are covered, it's almost time for a lawyer.  First, you should do whatever goofy appeal the credit card/insurance demands of you--write the appeal letter and send it--sometimes you need to exhaust all 'administrative remedies' before suing them.  Let the lawyer know what happened and bring him the applicable documents and other information relevant to this.  You can wait until after you get the lawyer to send the appeal letter, but if you can't get a lawyer soon, don't wait to send it.  

Some of these types of insurers make it a practice to deny claims because they know you won't fight them over it.  See a lawyer to be sure that you have a case, and to let the insurers know you are serious.  If they get a decent letter from your lawyer, they may make more of an effort to do the right thing so you don't have to sue them.

Answer 6

Whats a little genocide between friends? The way to get over that is not to apply for benefits and sit on the couch all day thinking about it. You should immerse yourself in as much work as possible to get over it. It will happen but not if you don't do anything. The credit card company is worse than an insurgent, they promise you one thing while planning your demise at the same time.  

Answer 7

Call a laywer for advice, it is usually free the first time, You should be able to get what you paid for.  Sorry this happen to you, Good Luck.