Justice for terminally diagnosed people facing insurance denials, delays, and fine-print reductions — at the worst time of their lives.
A terminal diagnosis is hard enough. Insurance companies should not be allowed to add bureaucracy, confusion, and “policy language” to your grief.We’re building a legal support fund to fight these practices nationwide.
Right now, while we assemble funding and legal partnerships, this site gives you clear steps you can take immediately to protect yourself and your benefits.
TerminalJustice.org
If your plan is employer-provided, it may be ERISA-governed. ERISA appeals have strict deadlines. Don’t miss them.
Create one folder and put everything in it:
• denial/reduction letters (front + back pages)
• the policy/certificate and any riders
• the SPD (summary plan description)
• your medical documentation
• notes of phone calls (date, time, who you spoke to, what they said)
Request, in writing, the complete claim file and the plan documents used to make the decision.
Your appeal should:
• dispute the benefit amount/denial clearly
• identify what’s wrong (facts + policy language if you have it)
• include supporting medical and coverage evidence
• request a full and fair review
• be sent with proof of delivery
Look for attorneys with ERISA and insurance coverage experience. Ask:
• Do you litigate ERISA benefit cases?
• Do you build the administrative record for court review?
• What do you need from me this week?
• What’s your fee structure (contingency/hourly/hybrid)?
Your appeal should:
• dispute the benefit amount/denial clearly
• identify what’s wrong (facts + policy language if you have it)
• include supporting medical and coverage evidence
• request a full and fair review
• be sent with proof of delivery
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