Tuesday 21st of August 2018 10:00:53 AM
I have been extremely patient and optimistic throughout this process with AETNA and Bank of America regarding my disability, however, enough is enough. On 4/22/15, I had a 3 level (c3-4, c4-5, c5-6) cervical discectomy fusion with severe cervical spinal stenosis surgery. In May, I started receiving multiple phone calls from AETNA regarding my return to work date. I explained time and time again that my follow up appointment with my neurosurgeon was not until 6/25/15 so I was unsure what their recommendations would be. AETNA then contacted my doctor’s office and stated that they needed a date, repeatedly. My doctor’s representative stated a date, 6/10/15. However, pending appointments would determine my return to work date. Now, please keep in mind that a surgery at this extent does have a normal recovery time of 3-6 months but can be several months depending on the patient and their fusion healing AND my original return to work date was 11/13/15. I did everything that I was supposed to do and followed my neurosurgeon’s directions to a tee so that I could heal quickly and return to work. On 6/25/15, I went back to my neurosurgeon for my second follow up since my surgery. On this date, we reviewed my X-Rays, which were remarkable considering the surgery that I endured. We decided that I could go ahead and take off my neck brace after being in it 24/7 for 9 weeks straight and that I would only have to wear it in strenuous circumstances. I contacted AETNA immediately following my appointment to advise them of the great news and progress of my recovery. AETNA then wanted to know, when was I coming back to work? I advised that my doctor recommended physical therapy and for me to continue to be out of work until 8/1/15 and use my bone growth stimulator until further notice. I had no Range of Motion due to being confined to a neck brace for 9 and a half weeks straight. It was on 7/3/15 that I noticed that I did not have a direct deposit for my Short Term Disability benefits. I contacted AETNA, who then explained that my claim had been closed due to my doctor stating that I could return to work. I contacted my doctor extremely confused since the last follow up, we had decided that even though I am making progress, we do not need me to interfere with any of the progression and I needed to still be out of work. After all, I should still be in my neck brace, but since I have done EVERYTHING in my power to recover as quickly as possible and follow all directions, I am on a path to a wonderful recovery. My doctor advised that he did say that I could go back to work with no restrictions in error, however, he also put on the same documents that I needed to be out until 8/1/15 with restrictions. When I contacted my doctor again stating that AETNA has denied my claim, they were appalled at the fact that given the information and communication verbally that we have all had, that they could do this. Then, on 7/29/15, I get a notification that I have a new letter on the AETNA navigator that says they are requesting PHYSCOTHERAPY NOTES. Apparently this is supposed to be some kind of insult I would assume. I am not crazy, but like I said, AETNA and Bank of America are making me seriously re-evaluate myself now because I am starting to think that maybe I am going crazy. I spoke to my appeals case manager today, 7/30/15, and wanted information regarding my circumstances and said that we would be in touch. To top it all off, I got ANOTHER notification on the AETNA navigator and a new letter from my appeals case manager with a new due date of 10/4/15 from 9/4/15. I feel like I am in the twilight zone. I am a human being, with a child. I have been with the company for years and I continuously exceed expectations and have not had to utilize benefits through AETNA previously. My car is now being repossessed, my electricity is due to be shutoff, but thank the Lord the temperatures are too high. My mother is paying my phone bill for me. I have NO cable. My mother is buying food for us because I HAVE NOTHING. What turned out to be a life-threatening surgery that I needed due to the severity of my health and wellbeing, I never in my wildest, craziest dreams ever thought that I would ever have to go through something like this in my life. This is the biggest nightmare I have endured in my lifetime. When I thought that nothing could get worse, I contacted Bank of America HR on 7/30/15 who advised me that they have now dropped my insurance due to non-payment, even though my claim is currently under appeals. How am I supposed to pay Bank of America $821 when I have no income? How can such a big corporation treat an employee like this? How much worse can it get, now? I am sure between Bank of America and AETNA it’s going to. On 7/14/15, I did return to work against my doctors recommendation because I needed some sort of income for my daughter and I. This lasted until 7/17/15 when AETNA advised me that I needed to go back on leave due to my doctor’s release being 8/1/15. I still have not been able to have this time entered by Advice and Counsel, Payroll and Timekeeping or management. I can almost guarantee Psychotherapy Notes for the both of these companies now due to the stress and mental anguish I have gone through. I am returning to work on 8/3/15, with a reduced schedule per my doctor’s notes and recommendations. I want to go back to work and complete my recovery properly. I want to go back to work and exceed expectations. I am tired of being belittled by AETNA and the lack of empathy for my situation. This is extremely serious and this has put me in a crucial hardship. I am so disappointed. Family, friends, co-workers, doctors and personnel cannot believe the carelessness and situations that Bank of America and AETNA have caused. We need to resolve this issue as soon as possible. I cannot wait until October for a response.