Surviving the Chronic Pain Experience: Successfully Recover Insurance Benefits and Other Promises

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9780972664417: Surviving the Chronic Pain Experience: Successfully Recover Insurance Benefits and Other Promises
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Successfully Recover Insurance Benefits & Other Promises
(330 pages with 25 Appendixes & Index, ISBN 0-9726644-1-6)

Survive And Thrive Even With Chronic Pain!

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Have you suffered an injury or disease and turned to your insurance company, employer, and others for help only to find the support you needed wasn't there? Are your medical bills piling up? Maybe you no longer have the employment or pay you once did?

Take control and make settlements come out your way!

People with chronic pain find their medical care and recovery restricted by the hands of their safety net providers – people and organizations that promised medical care and insurance benefits when needed but work hard to withdraw their promises. As our physical condition deteriorates and we miss time from work, medical bills accumulate and we lose our pay and wages. We turn to our safety net of employee benefits and insurance policies for help. Health care insurance, medical leave benefits, workers’ compensation insurance, automobile insurance, disability insurance, and more are reviewed for benefits. But we are told we are not covered or that the fine print in our policies or other legalities excludes our situation. Later we learn that we were subjected to any number of deny and delay tactics and/or lied to by our safety net providers in order to eliminate or minimize their responsibility.

The process described in Surviving the Chronic Pain Experience will help you with this near impossible situation get the help you need. By reading this book you will learn about these issues and what to do to find responsible conclusions to your situation. Included in this book are 25 appendixes of forms and letters and an index for you to use as needed. This assertive process allows you to take control of your new destiny and win the benefits you were promised and need to recover. I received the help I needed and found a substantial share of the responsibility promised from my safety net without a lengthy high-risk jury trial. You can too!

You’re going to save time, money, and aggravation. You’ll learn to avoid the mistakes and near impossible situations that you’ve been vulnerable to.

Increase your recovery of benefits from pennies and nickels to as much as 50 cents on the dollar or more, to ten times or more than most recover!

-What you can do on your own to recover more insurance benefits while saving legal fees

-Increase the number of sources of insurance recovery

-Get help from your health care providers to support your recovery of benefits. They will prepare letters, signed treatment plans, work with your insurer on your behalf, and more

-Understand the many insurance deny and delay tactics to look out for and how to respond

-Request alternative work and/or severance pay from your employer

-What to look for in a lawyer if needed, effectively monitor his work

-How to support your lawyer to maximize settlements

-Understand and avoid "quick hit" small sum legal settlements

-Use the legal discovery process to your advantage, look for "smoking and hidden guns"

-What to do when your insurer refuses to pay, examples and form letters for asking

-Your insurance company to fulfill their promises and insurance contract

-State attorney generals and insurance commissioners for help

-State and federal elected officials for help

-Reporting complaints and fraud along the way... all to assertively demand and achieve the greatest recovery of benefits

-Understand independent medical examinations and how to turn them into your advantage

-25 appendixes as guides and formats to maximize your financial recovery and support your medical recovery

-Complete index to quickly access your area of need at any time

-Help you prepare for legal depositions, insurance hearings, pre-trials and trials if necessary

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About the Author:

About Heywer and the Author

Several years ago, Heywer was formed to be a voice and advocate for people with chronic pain. Members and supporters of Heywer include doctor's and other health care providers, chronic pain survivors from all walks of life, lawyers and other professionals, and more. All have contributed and continue to support Heywer’s goal to understand and communicate survival alternatives to others in similar situations. Heartfelt stories and interviews of medical, legal and other professionals, along with detailed research, are summarized and presented in brochures and books, on the Internet, or in public forums. Heywer addresses issues of adequate medical care, alternative medicine, lost insurance and employment benefits, future insurance protection, lost jobs, future employment alternatives, legal struggles, dignity, compassion, and more. With the help of Heywer members especially his partner Jann Heyen, Michael Werb authored the "Surviving The Chronic Pain Experience" books. They speak at seminars, clinics, and hospitals to people with chronic pain, health care providers, and more.

Important to surviving chronic pain is managing the condition, medical care, and life changes. Using a proven process included in the "Surviving The Chronic Pain Experience" books holds the greatest promise for success. The author of the "Surviving The Chronic Pain Experience" books is also an adjunct professor of management at St. Cloud State University, and chronic pain survivor. He is a former management, contracts, and total quality management expert with experience at several large companies. He is a former board member of the National Contracts Management Association, former member of the Financial Executives Institute and University of Minnesota Contracts Committee. In addition to his business and management experience, the author holds a Master’s Degree in Management. The author's successful chronic pain experience along with this proven management training and background ensures success helping other people survive their own chronic pain experience.

Review:

"excellent ... greater recovery than the one who puts everything in the hands of the medical and legal specialists." -- Attorney John C. Provinzino, Partner Reichert, Wenner, Koch & Provinzino

'"must reading" for those who desire fairness and accountability from our health care and insurance systems." -- Attorney James R. Schwebel, President Schwebel, Goetz & Sieben

a helpful reference... a wonderful blueprint... literature that makes a real difference in people’s lives." -- Patricia D. Nielsen, R.N., Author, Chronic Pain Survivor

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Published by Heywer Llc (2003)
ISBN 10: 0972664416 ISBN 13: 9780972664417
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