How to handle an insurance claim

Filing and getting a claim resolved with your insurance company does not have to be a frustrating, time-consuming process, according to Ken Selzer, CPA, Kansas Commissioner of Insurance.

“Being prepared with and keeping track of the information your insurance company needs to process the claim is critical,” Commissioner Selzer said. “Preparation will help in reducing the time between the insurance incident and the resolution of your problem.”

To help get your claims paid promptly, Commissioner Selzer said Kansans should consider the following ideas.

Know your policy. Understand what your policy says. Because it is a contract between you and your insurance company, you need to know what’s covered, what’s not and what your deductibles are.

File claims as soon as possible. Don’t let the bills or receipts pile up. Call your agent or your company’s claims hotline as soon as possible. Your policy might require that you make the notification within a certain time frame.

Provide complete, correct information. Be certain to give your insurance company all the necessary information. If your information is incorrect or incomplete, your claim could be delayed.

Keep copies of all communications. Whenever you communicate with your insurance company, be sure to document the communications. With phone calls, include the date, name and title of the person you spoke with and what was said. Also, keep a record of your time and expenses.

Ask questions. If there is a disagreement about the claim settlement, ask the company for the specific language in your policy that is in question. Find out if the disagreement is because you interpret the policy differently. If your claim is denied, make sure you have a letter from the company explaining the reason for the denial — including the specific policy language which caused the denial.

Don’t rush into a settlement. If the first offer your insurance company makes does not meet your expectations, talk with your local insurance agent or seek other professional advice.

Document auto/homeowners temporary repairs. Auto and homeowners policies might require you to make temporary repairs to protect your property from further damage. Your policy should cover the cost of these temporary repairs, so keep all receipts. Also, document any damaged personal property for an adjuster to inspect. If possible, take photographs or videotape the damage before making the repairs.

Don’t make permanent repairs. A company might deny a claim if you make permanent repairs before the damage is inspected. If possible, determine what it will cost to repair your property before you meet with an adjuster. Provide the adjuster any records of improvements you made to the property, and ask him/her for an itemized explanation of the claim settlement offer.

Seek accident and health claims details. Ask your medical provider to give your insurance company details about your treatment, condition and prognosis. If you suspect your provider is overcharging, ask the insurance company to audit the bill, and verify whether the provider used the proper billing procedure.

Contact the Kansas Insurance Department. If you continue to have a dispute with your insurance company about the amount or terms of the claims settlement, contact the KID Consumer Assistance Hotline at 1-800-432-2484, or go to the website, www.ksinsurance.org, to file an online complaint.

(Information from Kansas Insurance Department)

Despite 72-68 loss, Blue Devils take step in right direction

by Alan Hoskins

Late surges at the end of both halves lifted Allen County to a 72-68 win over Kansas City Kansas Community College in Iola Tuesday night.

The Blue Devils led 34-31 only to have the Red Devils score the final seven points of the first half for a 38-34 lead and then had a 63-60 lead with 2:45 left before Allen rallied for the win.

“We made a couple of mental mistakes at the end but took a step in the right direction on learning how to play Jayhawk and Blue Devil basketball and I can live with that,” said KCKCC coach Kelley Newton.

Thanks to eight offensive rebounds and a defense that forced nine turnovers, KCKCC got 10 more shots than the Red Devils in the second only to have Allen connect on 14-of-26 for 53.8 percent to 14-of-36 for KCKCC (.389).

Lansing sophomore Joe Lendway led the Blue Devils with a double double, 15 points and a game high 10 rebounds. Mike Lee added 12 points and six assists, Jonathon Murray 10 points and Kellan Turner 8 for the Blue Devils.

The Blue Devils go right back on the road Thursday, playing North Central Missouri at Trenton at 7:30 p.m. before returning for a home contest Saturday at 4 p.m. against Iowa Western.

Alan Hoskins is the sports information director for KCKCC.

Legislators call for scrutiny of foster care contractors

DCF announces changes to child abuse standards, but lawmakers want more reform

by Andy Marso

The Kansas Department for Children and Families announced major changes to its standards for substantiating child abuse Tuesday. But lawmakers want more reform of a privatized foster care system they say is failing to protect children.

DCF Secretary Phyllis Gilmore announced that the agency will begin using a “preponderance of the evidence” as the standard for substantiating a child abuse claim rather than the more stringent “clear and convincing evidence.”

The change comes after the Wichita Eagle and Topeka Capital-Journal reported on children who were injured or died after multiple reports of abuse.

Gilmore noted that Kansas is the only state using the “clear and convincing evidence” standard. The change will make it easier for state investigators to place people suspected of child abuse on a registry that prohibits their employment at child care facilities.

The agency also added a category between unsubstantiated and substantiated — “affirmed” — that will describe cases in which abuse or neglect are believed to have happened but not to a level severe enough to bring a substantiated finding.

Prosecutors seeking to bring criminal abuse charges still will have to prove guilt beyond a “reasonable doubt,” and only judges can remove the custody rights of children’s legal guardians.

The changes were announced during a hearing of a special legislative committee formed to vet the state’s foster care system.

The Capital-Journal’s reporting focused on Mekhi Boone, a 4-year-old Hiawatha boy who was beaten to death after DCF and one of the state’s foster care contractors placed him with his father.

Kaddillak Poe-Jones, a Wichita infant who died in a hot car after the foster parents she was placed with forgot her, also was mentioned in Tuesday’s hearing.

Privatized system questioned

After Gilmore’s announcement, legislators suggested the foster care system still needs a deeper look.

Democrats pushed for an audit of the system in July, but it narrowly failed when five Republicans voted it down. At Tuesday’s hearing, though, the majority party members expressed serious concerns as well.

“The kind of system we’ve created isn’t working,” said Sen. Julia Lynn, a Republican from Olathe.

The foster care system has been privatized since 1997, and DCF now works with two contractors, KVC Behavioral Healthcare of Olathe and St. Francis Community Services of Salina. A subcontractor, Topeka-based TFI, handled Kaddillak’s case, and DCF briefly halted new foster care placements with that agency after her death last year.

In recent years the state has consistently set records for the number of Kansas children in foster care, topping 6,000 last year.

Rep. Willie Dove, a Republican from Bonner Springs, expressed concerns that the numbers continue to burgeon under the privatized system.

Lynn said she requested information from staff about the cost to dismantle the system and have the state take over again but was told it was difficult to calculate because the Legislature never fully funded it prior to privatization.

The state currently pays the contractors about $280 million annually.

Lynn said the current contracts should be heavily scrutinized before they expire in 2017. Whether DCF stays with the current companies or enlists others, she said the next contracts should require more accountability.

“We need to have in place measurables for our contractors,” Lynn said.

State agency also scrutinized

DCF also faced scrutiny from legislators and law enforcement officials as the state agency that oversees the contractors.

Rep. Erin Davis, a Republican from Olathe, expressed concerns that the state was not doing enough to track the school attendance of foster children.

Ed Klumpp, a lobbyist who represents several law enforcement groups, said local police and county sheriffs get little help from DCF on calls involving foster children — especially after hours.

A phone line that is supposed to be staffed 24 hours a day is frequently not answered late at night, he said, and even when it is, the help that can be provided outside the Topeka area is minimal.

“When you go into a law enforcement conference and mention the DCF hotline, eyes roll,” Klumpp said. “We’ve got to fix it.”

He said more foster parents need to be trained in de-escalation and conflict resolution techniques, so police are called in less frequently.

Gilmore said her agency is short on trained social workers.

“We continue to have issues of both recruitment and retention,” Gilmore said.

Lynn said blame should extend to the legislative branch as well, telling the committee that the Legislature had “lost a collective will” to protect the “weakest of the weak” in the state.

Her comments were echoed by Rep. Mike Kiegerl, another Olathe Republican, who submitted written remarks.

Kiegerl criticized legislative leaders for granting the special foster care committee only one day of hearings, after its members requested five days.

“Children are not a legislative priority,” Kiegerl said, “and this committee faces an impossible task to find solutions to intractable, long-term problems which finally culminated in the horrendous death of two children.”

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