Should I trust the insurance company?

In our opinion, absolutely not. The company may assign a “Nurse Case Manager,” who may contact you to go with you to your doctor, and in some cases, try to intimidate your doctor into reducing his requests for test and treatment. The Nurse Case Manager, while in theory being a title which is meant to offer you assistance, from a practical standpoint, such persons often act as investigators for the insurance company, and in our experience, often interfere with our client’s ability to obtain proper monetary and medical benefits. Likewise, the “Claims Examiner” is not your friend; he is a person hired by the insurance company to pay as little as possible within the limits of the law.