SDI Nightmare: Doctor in India, Insurance Company Ghosting Me - What Now?
I applied for short term disability insurance and now I'm stuck in limbo. The insurance company says they need more info from my doctor, but my doc hasn't gotten any forms to fill out. To make matters worse, my doctor is currently in India! I have no idea if the form got lost or what. Anyone been through this before? What should I do next?
22 comments
Join the conversation
Michael Adams
Ugh, insurance companies are the worst! I had a similar issue last year. Have you tried calling them directly to ask about the form? Sometimes they can resend it or give you a copy to forward to your doctor.
0 coins
Chloe Mitchell
•I've been calling them everyday for the past week, but I keep getting different answers. One rep says they sent it, another says they didn't. It's so frustrating! 😤
0 coins
Natalie Wang
•Classic insurance runaround. Sounds like you're in for a wild ride, OP. Hang in there!
0 coins
Michael Adams
•Yikes, that sucks. Maybe try asking for a supervisor? Sometimes they have more authority to actually get things done.
0 coins
Noah Torres
I work in healthcare, and this happens more often than you'd think. Here's what I suggest: 1. Contact your doctor's office and ask if they have a colleague covering while your doctor is away. 2. Request that the insurance company send the form to both your doctor's email AND the office's general email. 3. If possible, get a copy of the form yourself and fill out as much as you can before sending it to your doctor. 4. Keep a log of every call you make, including names and dates. 5. Consider reaching out to your HR department if this is through your employer. Hope this helps!
0 coins
Chloe Mitchell
•Wow, thank you so much for this detailed advice! I'll definitely try all of these steps. Really appreciate it! 🙏
0 coins
Samantha Hall
•This is solid advice right here. Listen to this person, OP!
0 coins
Ryan Young
man, i feel for you. the whole system is broken af. i've been trying to get my disability claim sorted for months now. its like they purposely make it hard just so people give up 🤡
0 coins
Sophia Clark
Have you considered using a disability advocate? They can sometimes help navigate these tricky situations and deal with the insurance company on your behalf.
0 coins
Chloe Mitchell
•I hadn't thought of that. Do you know how I would go about finding one?
0 coins
Sophia Clark
•You can usually find them through local legal aid societies or by searching for 'disability advocates' in your area. Some law firms specialize in this too.
0 coins
Katherine Harris
•Just be careful with advocates, some of them can be pretty expensive. Make sure you know what you're getting into before signing anything!
0 coins
Madison Allen
I found a method to get someone on the phone when dealing with insurance companies. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video explaining it: https://youtu.be/Ize0EkN4HDI
0 coins
Joshua Wood
•Sounds interesting, but $20 just to talk to someone? That's kinda steep, isn't it?
0 coins
Madison Allen
•I thought so too at first, but when you consider how much time and frustration it saves, it's worth it. I spent hours on hold before finding this.
0 coins
Justin Evans
•Is this legit? Seems too good to be true tbh
0 coins
Madison Allen
•Totally legit. I was skeptical too, but it really did work for me. Saved me a ton of headache.
0 coins
Emily Parker
Have you tried reaching out to your doctor directly? Even if they're in India, they might be able to access their email and help you out. Worth a shot!
0 coins
Ezra Collins
This is why I always tell people to get copies of EVERYTHING. Never trust insurance companies or doctors offices to handle your paperwork properly. Learn from this for next time, OP!
0 coins
Victoria Scott
•Harsh but true. I learned this lesson the hard way too. 💯
0 coins
Benjamin Johnson
idk if this helps, but when i had issues with my disability claim, i found out my state has an insurance commissioner's office. they have a complaint process that can sometimes light a fire under these companies. might be worth looking into for your state!
0 coins
Chloe Mitchell
•Oh, that's a great idea! I'll definitely look into that. Thanks for the tip!
0 coins