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denied because I was/am not employed. I must not be able to perform normal activity's if im not employed

I am employed as a high school and travel baseball umpire. I was told that this is not employed because I am a 1099/independent contractor. have proof of 1099's and emails to my employer/association stating that I could not work because of the tearing of my meniscus in my first High School game of season.

this denial was received after 5 months of investigation by combined (1 one doctor at a time and then wait 10 business days

it appears that their failed attempt at trying to find a previously existing condition failed and they came up with this reason. I filed 2 previous injury claims(aS AN UMPIRE) that were paid

I AM REQUESTING a review and reversal of this ruling before I proceed with legal action. Met with my lawyer TODAY!

Product or Service Mentioned: Combined Insurance Claim.

Reason of review: Problems with payment.

Monetary Loss: $15000.

Preferred solution: Full refund.

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I followed up with an email to upper mgmt at Combined. They immediately answered and paid my claim. My confidence in Combined has been restored!