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Was in a car accident in Aug 2017. On September 1st my company changed insurance carriers including disability insurance.

Doctors determined I needed surgery and scheduled it Oct 31st. I had major shoulder surgery and am off work through Feb. My health insurance covered my medical expenses, but the disability was denied. Said the accident happened before we were covered by their insurance.

But I still worked right up to the surgery. So therefore I wasn't disabled until I had the surgery. Denied disability claim .

Asked why they covered the medical, said they had to legally. So this insurance didn't do us any good when we needed it

Product or Service Mentioned: Combined Insurance Disability Claim.

Reason of review: Poor customer service.

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Right. If you had the accident on August and the insurance started on Sept; you were not covered. It happens that way with all supplemental insurances.

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