And / Or

[free_spirit_etc]

This isn't really an issue with the VA -- at least not at this time - but could be for others..

What is your interpretation of the use of and/or.

If someone says you must do this and / or that...

Are thay saying either or both?

My concern is I don't want to do this.

But if I do that --they will focus on the AND (i.e. we said both)

But if I object to them trying to do this --they will focus on the OR (i.e. we said this OR that..we didn't try to MAKE you do this..)

Free

[free_spirit_etc]

Thanks a lot! This really helped me tailor my response. I am not sure how successful I will be in getting them to pay the claim - but I sure don't intend to give them any assistance in denying it.

LOL @ getting out your checkbook. It would seem the insurance company could easily find out if the surgery was inpatient or outpatient - if they really wanted to.

We applied for a waiver of premium - for disability - before my husband died. All the policy said was you had to send in a written request - and proof of disability.

I sent in a letter - and a copy of a form the doctor filled out for my husband's student loan discharge.

They sent us their FORM right before my husband died.

They denied the claim for waiver of premium - quoting policy language that the claim had to be submitted while the person was alive.

I had to write them back and point out that the claim WAS submitted (in writing, with proof of disbility) prior to his death. It was just not on THEIR Form.

They sent me a check for a refund of the 12 month premiums in one week. LOL

But it ticks me off that they even play those games.

This case is a credit life claim.

They keep wanting me to sign the form to release his medical records.

As the form says I don't have to sign it and that the company doesn't condition payment of the claim on whether or not I sign it - I keep declining their invitations.

Free