Waynetho wrote:(edited for focus)
They only stated one requirement that wasn't met each time they denied it, until I had completed all of them. It was nerve wracking to say the least and seriously aggravating (say "PISSED").
Got it. Can you spell "War of Attrition?? Wear you down with one stumbling block after another until you either run out of energy or die in the meantime.
A letter to your State Government (whatever official oversees Insurance Companies - every State has one, usually the Attorney General or the Lieutenant Governor's office, but may be in Commerce or something - but every state has one.) with a copy to your insurance company might shake something loose. Especially if they have denied you repeatedly and come up with a DIFFERENT reason for denial each time. Mention that this is a pattern designed to delay performing their contractual obligations. It may ruffle feathers at the insurance company (identifying yourself as a troublemaker) or it may give notice not to mess with you further. Your decision, which is the better tactical move. Fines and sanctions can be levied against insurance companies which engage in bad faith with regard to their contractual obligations repeatedly.
Good luck.