What do you do when insurance companies don't pay legitimate claims?My mother has been fighting this insurance company for over two years. She...

A suggestion would be to gather all of the medical
documentation which states exactly the time and day in which the final diagnoses was
made. Contact the agent who sold you the insurance and discuss this information, always
keeping the original documents.

There are two ways of
getting help: One is through a lawyer who can directly contact the agency and request a
copy of the contract that you both signed, and that way they can demonstrate the breach
of contract. Some lawyers will only charge if you get money out of a lawsuit against an
insurance company.

The other alternative, which I came to
find out about just recently, is that every state has what is called a "department of
insurance" or an agency that operates under the same concept of investigating claims and
the practices of the insurance company. Search in your state or through law firms within
your city to find where that place is and proceed with all your documentation to make
things right.

Remember that insurance companies are
basically placing bets on our time line when they offer certain benefits assuming that
they will not be used or cashed in. They are also private corporations and they can get
very greedy. Just check below on the link on that info about the department of
insurance, and for lawyers in your area. 

And I truly and
sincerely hope this is of some good use for you.