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Well, I should know in a few days as I have resent all that I have and given NYL the point person at Unum to contact for more information. A lot of the paperwork was done from a hospital bed, so copies weren't available, so Unum has them.
I realize mine is a different situation as the medical claims provision doesn't account for a situation where the condition morphed from pressure wounds to bone infections to amputation. There isn't a diagnostic code that encompasses everything that happened. I've also had about a dozen MDs work on me through this past year. It just doesn't fit the questions on the form, so we'll see how they decide to deal with it.
The rider just says illness or injury, doesn't narrow it down to one illness or one injury. So this may be the "any" that is in my favor. We'll see.
Slight set back in healing, have to go in this week as a small tear has opened vertical to the scar line. Maybe nothing, but will have to have it checked out by the surgeon. Have to learn that "it's nothing" doesn't count anymore.
I realize mine is a different situation as the medical claims provision doesn't account for a situation where the condition morphed from pressure wounds to bone infections to amputation. There isn't a diagnostic code that encompasses everything that happened. I've also had about a dozen MDs work on me through this past year. It just doesn't fit the questions on the form, so we'll see how they decide to deal with it.
The rider just says illness or injury, doesn't narrow it down to one illness or one injury. So this may be the "any" that is in my favor. We'll see.
Slight set back in healing, have to go in this week as a small tear has opened vertical to the scar line. Maybe nothing, but will have to have it checked out by the surgeon. Have to learn that "it's nothing" doesn't count anymore.