Consumer Protection Law
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Thank you for the information and your question. If you have appointment records that could be confirmed if necessary with your clients, then you might have a good chance with your appeal. The policy terms and what you signed are the controlling documents, so whatever they say as far as hours and proof are enforceable as the contract. So, if you have signed a document that says 30 hours a week and you have the appointment records and backup to prove you did work that many hours, then you should appeal and if your claim is denied you have two choices. One is to find an attorney to file suit for bad faith denial for you and the other is to first file a complaint with the Massachusetts Department of Insurance for the bad faith denial and then if they cannot resolve it, to hire the attorney I mentioned.
As an aside, it is important as a sole proprietor for these and tax purposes that you keep really good records of your hours and receipt of payment. If you don't then issues like this and an IRS audit could cause problems for you. I understand the cash payments and that is fine, but without receipts for those payments and appointment records it is very difficult to establish your hours.
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I wanted to touch base with you and make sure that you did not have any follow up questions for me from the answer I provided to you on the 27th. For some reason, the Experts are not always getting replies or ratings (at the top of the question/answer page you are viewing or in the pop up box for this question), which is how we get credit (paid by the Site) for our work, that the customer thinks have gone through. In your case I received neither. If you are having technical difficulties with reading, replying or rating, please let me know so that I can inform the Site administrator. Please note thatSite use works best while using a computer and using either Google Chrome or Firefox.
In any event, it was a pleasure assisting you and I would be glad to attempt to assist you further on this issue, or a new legal issue, if needed. You can bookmark my page at: http://www.justanswer.com/law/expert-marsha411jd/