Critical Illness Claim Patient Advocate

At a time when a medical patient is most vulnerable the last thing they need is to struggle with an insurance company over critical illness claim benefits. Fighting for their health after a diagnosis of cancer or stroke or heart attack is how their energy should be directed. Not in satisfying the demands of a claim examiner whose task is to minimize, or even deny, their claim.

Chemo treatments, therapy sessions, surgery. These are exhausting events on the road of recovery after a critical illness. A patient needs rest, both physical and mental, during this time. What they don’t need is stress from financial matters. During most recoveries there are additional bills, time lost from work, and unplanned expenses. Receiving the maximum claim benefit, as quickly as possible, helps alleviate this financial stress.

To the insurance company a critical illness claim is a transaction that they put through a series of challenges and scrutiny before they agree to pay a benefit. A critical illness claim patient advocate takes on the fight for the patient, manages the insurance company efforts, pushes the claim through the examination and delivers the maximum claim benefit to the insured.

Rita in Chicago, a registered nurse working at a prominent hospital, was diagnosed with an aggressive cancer in 2024. Like many people forced into treatment, she didn’t have the energy to work during her 6-months of treatment. She went out on disability, but the money paid wasn’t enough to pay for all of the new expenses she was having. Her employer’s critical illness policy covered her diagnosis but her claim examination had been dragging and dragging for months. Every time the claim examiner received a record she wanted, she’d ask for a new one. Alone, Rita couldn’t keep up.

We happily accepted Rita’s claim as her appointed patient advocate. We immediately informed the claim examiner of our appointment, demanded an accounting of all records received and outstanding, and pushed the claim through the calculation process for the maximum – 100% — benefit payout. Within 2 weeks of being appointed as Rita’s patient-advocate, she had her critical illness claim money. We’re thrilled that Rita is still with us and doing well in her recovery.

Just like other insurance coverages – life, accidental death, long term care – when a critical illness claim is made, the insurance company doesn’t tell the patient they’re entitled to use their own patient advocate or why they should. The claim process is an us-against-you relationship. We fight these fights every day. Please, you don’t have to fight the insurance company alone. Use a critical illness claim patient advocate.