From your blog,
'The Fabian Strategy is a famous military tactic, which is used to defeat an enemy by wearing them down over time, rather than facing them in direct battle. When the Fabian Strategy is used successfully, the enemy eventually gives up or is defeated because of lack of resources, frustration, or loss of morale. This tactic is named after the Roman general Fabius Maximus who used this strategy to defeat Hannibal.
Internal appeals are an example of the insurance company using the Fabian Strategy against you. If you accept that internal appeals are nothing more than a delaying tactic, then it is easy to see how effective this strategy is for insurance companies. A delay of several months or a year does not hurt the insurance company. They have more money than Lando Callrissian; however, you likely have very limited financial resources, especially if you cannot work.
After several months of no income, you will be in a much weaker position to start a lawsuit against the insurance company. You are now emotionally drained and lack morale. Out of desperation, you are now more likely to accept settlement terms that are more favorable to the insurance company. Unfortunately, an insurance company can use the Fabian Strategy against you with great success.’
Personally, I have experienced this three times now. The first was after a serious car accident, when I was seeking medical benefits from my insurer, I was hit by a tractor trailer tanker that was carrying gasoline almost head on, my car was destroyed, and I suffered PTSD and physical injuries. The constant request for assessments and approvals, eventually led to me giving up and closing the benefits part.
The tort side in suing the insurance company for loss of income, pain and suffering, etc. has been just as difficult, I am 10 years into this part, having gone through settlement court, mediation, and dealing with issues along the way. We are now submitting for trial.
All along the way, I have sought therapy and rehabilitation and worked at it. Recently, I had to take leave from my job due to a return of panic attacks and anxiety.
So now, I am seeking short term disability for this leave. I have sent two letters from my personal physician plus their Attending Physician statement, plus two letters from my Psychologist. All rejected in the second appeal. I just sent an Intent to Appeal a third time, but I have little new to offer. I have tried to get into see a Psychiatrist also, however, they are full, most not even taking appointments.
We all know that on the other side their professionals are not objective, and their assessors are not objective, as these following articles touch on, but the fight needs to be expedited into the media, especially if there is a constitutional issue or harassment argument. I am currently reaching out to class action lawyers, as well as media.
These mostly deal with car accidents, however the issues cross over to STD and LTD from work related injuries, etc.
All comments on the class action or complaint side appreciated from you law firm.
All comments from others on their own situations appreciated also.