I did not enroll in disability insurance when I became employed in Feb 2010. During open enrollment for 2011, I signed up but was declined because I had been to the chiropractor recently (declined due to "treatment for low back pain.") I don't have any disc issues or anything else specifically wrong. I have not missed any work, have taken no prescription medication and have basically gone about my business as usual with some back pain. I continue to see my chiro once a week or every other week.
The insurance company (MetLife) said I had 60 days to contest the declination. I wrote back stating I didn't have anything specifically wrong and didn't know how I could dispute "treatment for low back pain" because it was true. They wrote back I was still declined. I called and talked to a human and told her I didn't have any X-rays or MRI's to show that nothing was wrong with me and asked her how I dispute receiving treatment. The rep said I basically needed a letter from my doctor stating there was nothing "wrong" with me. My sixty days is up January 4th but she said they would accept/review the letter from my doctor if it arrived soon after the deadline.
I don't really care about having the disability insurance. The only reason I bother with this is because it creates a declination of insurance on my record. Should I care? Will this be reported to the MIB? I don't want to bug my doc to write a letter if being declined is no big deal.
The insurance company (MetLife) said I had 60 days to contest the declination. I wrote back stating I didn't have anything specifically wrong and didn't know how I could dispute "treatment for low back pain" because it was true. They wrote back I was still declined. I called and talked to a human and told her I didn't have any X-rays or MRI's to show that nothing was wrong with me and asked her how I dispute receiving treatment. The rep said I basically needed a letter from my doctor stating there was nothing "wrong" with me. My sixty days is up January 4th but she said they would accept/review the letter from my doctor if it arrived soon after the deadline.
I don't really care about having the disability insurance. The only reason I bother with this is because it creates a declination of insurance on my record. Should I care? Will this be reported to the MIB? I don't want to bug my doc to write a letter if being declined is no big deal.