i work for kroger. sedgwick denied my claim. the denial letter i received is nothing more than a form letter marked denied. my short term disability was denied because they do not have a denial letter with the reason for denial. my employer claims they do not keep any files, only sedgwick has them. i asked to have the letter faxed to my insurance company so i could receive std. kroger said they can not talk to me because i have retained counsel to represent me at the hearing. my attorney said this is a seperate issue not related to the hearing. i agree with her. sedgwick said a week ago they would send a copy of the letter to my attorney. still no letter after 5 working days. how can i force their hand. i am also pretty sure when they do send the letter it will be the same form letter with no reason for denial. its one document i need faxed. why the games?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.