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SettlementCentral.com The Online Resource for Personal Injury
Claims
Volume 3 Issue 3
In this issue March 2005
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.
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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
http://www.settlementcentral.com/format.php?Page=8018, 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
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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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About SettlementCentral.com
http://www.settlementcentral.com
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.
Contact Information
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us what topics you would like to see discussed in this
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