Apr 13, 2013 - 7:39 pm
I am caregiver to my husband who was diagnosed with Stage IV Base of Tongue Cancer. He was treated with 8 Erbitux treatments and 40 radiation treatments. Treatment ended in April of 2012. Docs thought they had it taken care of but unfortunately cancer continued to grow from the center of his tongue to the right side. He had to have a 19 hour surgery on December 17, 2012 to remove the entire base of tongue, part of his larnyx, and his hyoid bone. A radical neck dissection was done and we were told between 70-80 lymph nodes were removed.
Anyways, to get to the issue at hand, he was on short term disability from the insurance company his work deals with. I had been in contact with the girl from the insurance company several times and she told me that when his short term disability ran out (March 25th) that it would automatically roll over into his long term disability. I received a call from the girl in charge of long term disability and she said they were not even going to put the claim through because it would definitely be denied. When I asked her why, she said because his cancer was a pre-existing condition because he had had cancer last year. Yes, indeed he had cancer last year, but it never went away. Basically, she said there is nothing I can do. Has anyone dealt with anything like this bs from their insurance company? I am at a loss how to proceed.
I spoke with his employer and they said they would look into it . It has been three weeks and I have heard nothing from them or do they return my calls or email. I feel there must be a way to fight this. Does anyone have any ideas? We should be okay for a couple of months but after that I don't think we could even pay the utilities on my sorry salary!! Any insight would be greatly appreciated!!!