HELP Insurance home interview

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New Member

Date Joined May 2009
Total Posts : 2
   Posted 5/10/2009 4:12 AM (GMT -7)   
My wife has been on disability for nearly a year for CFS, it was a tedious stressful process getting disability. We live in Arizona and the Hartford insurance company are sending a representative from Connecticut to interview for my wife for about 2 to 3 hours. She is worried and intimidated about this – the conclusion we draw is that they are looking for a way of stopping the disability payments which would be disastrous.

Please can anybody tell us what her legal rights are, for instance can does she have to answer medical question or can she refer the company to her specialist.

Thank you in advance.

New Member

Date Joined May 2009
Total Posts : 9
   Posted 5/10/2009 6:44 PM (GMT -7)   
I luckily met at my emplolyers head office with my employer and union rep present. Does she have a union rep? I would definitely talk to a lawyer before the meeting. You have to be very careful. I would not have her do this alone.

love glen

New Member

Date Joined May 2009
Total Posts : 2
   Posted 5/10/2009 9:20 PM (GMT -7)   
Thanks for the advice - unfortunately her company no longer exists.

I will investigate getting advice off a lawyer - I not could afford to have one present for the interview

New Member

Date Joined May 2009
Total Posts : 9
   Posted 5/12/2009 2:47 PM (GMT -7)   
You might want to investigate and post at the prohealth forums also.  There are so many with lots of experiences their also.

Veteran Member

Date Joined Jan 2009
Total Posts : 914
   Posted 5/24/2009 1:56 PM (GMT -7)   
Scott Davis is a long-term disability and ssdi attorney located in AZ who specializes in CFS .  Here's his web site:  I think the interview is just part of the process but you need to be prepared.  Good luck.   

Regular Member

Date Joined Mar 2008
Total Posts : 72
   Posted 7/12/2009 2:14 PM (GMT -7)   

I'd like to re-iterate that it is indeed a tedious process to be 'interviewed' by an insurance company.

I had no one to represent me either, but I was prepared with many highlighted articles from books and I stacked those books right at the table where he and I would sit. He came in full of good cheer and happiness and declared that he was going to improve my life dramatically! He then went on to tell me of clinics where I could be CURED! All I had to do was show up every day at a facility an hour and a half away. I told him there was no way I could drive that far and back...Would the insurance company pick up the tab for transferring me by taxi? Failing that, would they pick up my lodging tab while I was undergoing treatment? Of course, the answer was NO. I informed him that I had looked up every fibro clinic in my area, but none guaranteed a cure and each charged a hefty price. Would his company cover that cost?? Nope.

Our meeting was over, but not the monthly questionnaires to be filled out. My doctor wrote  many letters informing them of my condition as well. If your wife's doctor will do the same, that's her ace in the hole.

Document everything you can think of before the app't and have it ready! These guys fight 'mean'. Remember too that your wife's coverage was paid for in full and on time. She deserves every penny they pay her...and more!

Good luck! Pease let us know how it went.

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