SettlementCentral.Com Newsletter

PLEASE FORWARD THIS ISSUE The Online Resource for Personal Injury Claims

Issue 20

In this issue

Denial of Chiropractic Payments by the Adjuster

Denial of benefits by alleging that chiropractic care is “palliative, not curative”
• Why your insurance SHOULD pay
• How to get your insurance to pay these charges

Settle-It-Yourself Newsletter

Hello!! Welcome to the March edition of Settlement Central’s Newsletter. We are pleased to share this newsletter with you, as our business is helping people get satisfactory settlements for their personal injury claims.

In this issue, we will discuss what to do when your own insurance Personal Injury Protection (PIP) adjuster denies full chiropractic benefits by alleging chiropractic care is palliative, not curative, and therefore is neither reasonable nor necessary.

As always, we will post our articles on our website as they are sent out in the Settle-It-Yourself Newsletter. Our readers will have a rich resource available to them, our hands-on battles with the insurance companies translate into useful and accurate information for our readers.


Denial of Chiropractic Payments by the Adjuster- Palliative not Curative

One way that your PIP insurance adjuster may try to cut down on spending is to deny full payment of your chiropractic care by stating that the doctor's charges are neither reasonable nor necessary because they are for a service that does not "cure" the "alleged problem" (curative). Instead, she will say that the service is “palliative” (relieving or soothing the symptoms of a disorder without effecting a cure). What she is saying, in effect, is that there is no need to pay for any chiropractic care, unless it can be shown to have been of benefit in "curing" the patient.

If you encounter this type of insurance tactic, you must remember- Chiropractic charges are both necessary and reasonable: the doctor gave needed chiropractic professional treatment and worked hard to treat your injury, and billed appropriately for his charges. And there is no reason to compromise his professional standards or practice by stooping to accept this kind of attack.

So what kind of response should you give your insurance adjuster to convince her to pay these charges? We have formatted an example letter for just this type of situation.

Please Click here, for our free Patient's Letter to Adjuster Regarding Chiropractic PALLIATIVE, NOT CURATIVE.

Thank you for your interest in our site; we hope you will find us to be an excellent source for your own personal injury needs!!

Jeanine Steele
Publisher, Settle-It-Yourself Newsletter

SettlementCentral.Com has a wealth of information and special tips for members who wish to arm themselves with the best advice for dealing with insurance companies. Our Negotiation section is filled with fresh and effective ideas on how to approach a company to ensure a successful settlement of your case.
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SettlementCentral.Com, Inc. is a Washington corporation providing general educational information, online, to personal injury victims throughout the United States on how to manage their own personal injury claims through the settlement process—from gathering the necessary information (evidence) to submitting claims and demand letters, through engaging in successful personal injury settlement negotiations with insurance companies. Our online instructions and self-help forms and letters are designed to make for easy insurance claims settlements in the areas of auto accidents, pedestrian accidents, dog bites, vicious animal bites, premises liability, and slip and fall accidents.

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