Karen,

Just put that crap out of your mind right now. It is not important for the moment and the insurance company sure can't take money out of his bank account. Get back to it later and give Don all your attention right now.

A lot of insurance policies will have to spell out what they will and won't do so you can request it later. In my case, the short term disability was self-funded by my employer and they just decided that they would stop paying me and I had no recourse since it was self-funded. The company then went out of business before my long-term disability kicked in and when I tried to file they said they made it clear that they would cover anything except my cancer since it was during the sixty days prior to my disability date. I had a letter that said I was covered and I paid the premiums for nothing. I hope Don's situation is better than that.

Ed

SCC Stage IV, BOT, T2N2bM0
Cisplatin/5FU x 3, 40 days radiation
Diagnosis 07/21/03 tx completed 10/08/03
Post Radiation Lower Motor Neuron Syndrome 3/08.
Cervical Spinal Stenosis 01/11
Cervical Myelitis 09/12
Thoracic Paraplegia 10/12
Dysautonomia 11/12
Hospice care 09/12-01/13.
COPD 01/14
Intermittent CHF 6/15
Feeding tube NPO 03/16
VFI 12/2016
ORN 12/2017
Cardiac Event 06/2018
Bilateral VFI 01/2021
Thoracotomy Bilobectomy 01/2022
Bilateral VFI 05/2022
Total Laryngectomy 01/2023