Hardship documentation

[FundeK]

If you were in the business of approving hardships, what kind of supporting documentation would you request to approval a hardship for medical expenses? Would an Explanation of Benefits suffice? How about a letter from a collection agency? Would you always require a bill stating the type of service rendered and date service was performed?

Thanks!

[RCK]

We are in the business of approving hardships, and we nearly always rely on the EOB. Without that, we would probably take a letter from a collection agency. A detailed bill would definitely not do it--we neet to guarantee lack of insurance coverage.

Note that we hardly ever have uninsured employees, so a total lack of medical coverage is not an issue. I'm not sure how we'd go about proving that there was no insurance.

RCK