Critical Illness Insurance

I talked about my work getting additional voluntary insurance starting in 2017. I’ve signed up for it since the beginning, though I have not made any claims yet. Since I’m coming up to my one year surgery anniversary, I thought I would call Allstate and ask about deadlines. The CSR said they would like the claims within 90 days (!) but may take claims up to a year. I then asked about ESRD and she said that they take the first day of dialysis as the incident date. Well, that’s over four yeas ago so I’m pretty much SOL on that. Even the CABG claim will take a few weeks to get the paperwork complete so I probably won’t get that either. The ESRD diagnosis was supposed to pay out $50k, and $12.5k for CABG surgery. The CSR suggested that I file a claim anyway since I won’t get anything if I don’t file; worst case scenario they reject both claims.

I should have asked this a long time ago, but filing the claim makes the medical problems more concrete. I’m a procrastinator and it’s costing me a lot not to file these claims but I don’t feel like caring. I guess now I know the deadlines, I’m filing the kidney transplant claim (also $50k) as soon as I have it scheduled.