I am writing today because I feel I was discriminated against by Principal Life Insurance (Policy #6785865) when I was declined for a life insurance policy. Initially, I was told by my agent that he had a letter from the underwriter that stated it was because of letter received by my Doctor that commented on Hep C and alcohol abuse, which has never been diagnosed or even mentioned in my records. When I pushed for that letter, I was then told by Principal and my doctor that it did not exist.
When I asked for the specific reason(s) then as to why I was denied, I was repeatedly told by Principal that they could not legally provide me with that information. After continued back and forth, I was finally told, that they were incorrect on that issue, as well, and sent me a document outlining their reason(s) for my denial, along with 350 pages of my medical records.
They stated the following denial reasons:
1) Fibrosis of the liver. I am unaware of any fibrosis of the liver. However, in reviewing my medical records, I found the test they referred to was taken before I was treated for HepC (2015) and was administered to determine treatment options for Hep C. The fibrosis was determined to be minimal. And, I was, in fact, treated at that time and I no longer have Hep C, so this finding is outdated and not even valid. In addition, there are repeated mentions in my records regarding alcohol audits and my score is always zero which means no likelihood of hazardous or harmful alcohol consumption.
2) COPD. The COPD is mild and treated with occasional use of an inhaler as noted in my medical records.
3) Smoking. I quit smoking in 2012, so this finding is also outdated and no longer valid. This is also noted in my medical records multiple times.
4) Depression. There is NO history of ever being diagnosed or treated for depression! The VA routinely asks all patients if they are suffering from depression, so as mentioned in my records, it was only a routine question. And, I was never referred for any mental health issues. In fact, my medical records state that I am not a risk for suicide or hurting others.
5) Abnormal urinalysis. I am also unaware of any abnormal urinalysis, prior or current, and was never treated for any such incident. I saw in my records, a mention of Oxycontin in my lab results which was a concern for the VA since they did not prescribe it. However, at that time, I was prescribed Oxycontin by my dentist for dental work. It seems the underwriter would rather assume I was a drug addict instead of inquiring about it. My doctor has never mentioned it.
All of the above reasons they gave for denial are either not diagnosed, baseless, or outdated. And, I should never have been subject to their fabricated and illegal company policies. Their underwriter jumped to incorrect conclusions based on inaccurate assumptions, misunderstanding lab results and making a determination based on no evidence. Thus, I feel that this insurance company discriminates against Veterans and the elder, healthy or not, assuming we are all drug addicts and alcoholics.
I would appreciate your investigation into my claim as the baseless denial has not only been a time-consuming, emotional roller coaster, but it has also affected my ability to obtain life insurance elsewhere.
Edgeworth W Nader III
3065 SW 45th St
Ft Lauderdale, FL 33312