In a previous post, I mentioned that Allstate approved and paid me $50,050 for my kidney transplant since it was covered under the critical illness insurance I enrolled in at work. They were also reviewing some older illnesses that I assume they found in the backup documents for the transplant claim.
Since then, Allstate approved my claim for ESRD, which also pays out $50k. I just received the check in the mail yesterday for $49.790; I think I missed a few premium payments while I was out on medical leave for my heart surgery. When I called Allstate a few months ago regarding this “potential” claim (I had not filed a claim yet), they said usually claims are limited to one-year after starting dialysis, but to try anyway. I guess 3.5 years is not too late.
That leaves an open claim for my heart surgery from November of 2019. Again, I did not file any claims but Allstate started on anyway. I did send in some requested backup documents a few weeks ago. In the benefits document, CABG surgery was covered at 25% so I was expecting $12,500 if the claim was approved. Well, this morning, Allstate sent me a message that the claim was approved for $50k again. I was confused so searched and found the EOB (explanation of benefits) document for that claim, and it turned out it was for both a heart attack and the bypass surgery. Heart attacks are paid out at 100%, so that is where the $50k came from. The CABG surgery was denied since it was considered the same “event” as the heart attack. So all together, Allstate is sending me $150k in total claim payouts. I sure hope this is not taxable.
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I wonder if I waited for 90 day after the initial ER visit in November 2019 for the CABG surgery, would Allstate treat that as a separate event/claim and pay out another $12,500? I would probably be dead now though.
Life with chronic diseases 