What to do if my insurer is denying my cancer claim because of an answer that I gave to a question?

They asked me was I awaiting any medical test results and I was not I had a poly removed that resulted in being tested positive for cancer, however I was not aware the polyp was being tested. I am a 35 year old very healthy young lady and never had a polyp or any other health issues for that matter. I am at home recovering on low disability income. I am getting now where with trying to represent myself with the agency. I cannot afford to hire a private attorney. Is there any affordable legal representation for a person in my situation?

Asked on August 28, 2014 under Insurance Law, Georgia

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

There is no guaranty that you will find free or low-cost legal representation, but possible sources to look to include:

Legal Services (you can find their local contact information by "Googling" them)--this is an organization which exists to provide free legal services to people who cannot afford lawyers. Their resources are limited however, so they often have to turn away cases; however, their attorneys are good, and they are always worth a call.

Your state and/or city bar (lawyer's) associations may be able to help you find an attorney who will  take the case on a pro bono (charity) basis.

You can contact local law schools; sometimes they have "clinics" where law students, under their professors' guidance, provide legal assistance.

If you can't find a lawyer you help you and your insurer refuses to reconsider, you have the option of filing a lawsuit for breach of contract (not providing the insurance they agreed to pay and for which you paid them) for denying your claim; you can represent yourself "pro se," or as your own attorney, which is not the recommended way--but it *is* an option if you cannot get anyone to help you. In such a suit, you would seek a court order forcing them to provide coverage.


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