Disability denied on rare condition for lack of data! HELP

[Guest jojo]

I have been off work for months with a drug induced myositis caused by a pseudocholinesterase deficiency that was aggravated by a beta blocker I was taking for high blood pressure. My employer's disability plan is carried through Liberty Mutual and they refuse to pay me benefits even after several letters from my doctor. Liberty wants a test and there is none for my present condition. Guess they need a code that matches one in their computer and it is non-existant. Meanwhile I have been without a disability check and other benefits with my company have been terminated because Liberty has not officially approved me for disability and denied my appeal. I have contacted the Ohio Dept. of Insurance and the Dept. of Labor but have been told that my employer is self insured and they cannot help me. Any suggestions?? Thanks!

[KIP KRAUS]

It sounds like your employer uses Liberty Mutual simply to process disability claims if they are truly self-insured. You should appeal to the employer in accordance with the claims appeal procedure in your SPD. They should have the power to instruct Liberty to find a way creative way to process your disability. If you are in fact disabled and your disability cannot be determined to have been self-induced you should be able to have your doctor provide sufficient evidence to prove your disability.

Good Luck