What, if any, independent medical info can be withheld? and how is it worded within their contract?
Answers:
In relation to what?
Do not obtain the question. It depends on who they are and for what they are getting the info. ???
I went to the answer you posted nearly Allstate complaints, and saw the additional details you posted within. It's my understanding you own a disability policy, Allstate had your medical store reviewed (and possibly did an independent medical examination?), later denied your claim.
If this is an individual contract (a policy issued directly to you), then your state's insurance law control this matter. In my state, a creature who has a disability claim denied is entitled to a copy of the insurer's ENTIRE claim report, upon request. This includes independent reports.
However, if this is an employer group policy, you are entitled under ERISA to a complete copy of the claim folder, including reports.
These provisions may be found in the appeals portion of the contract, if required by applicable law.
I recommend you contact your insurance commissioner to discuss the facts of this denial further. Each insurance commissioner's department has investigators that look into disputes such as this.
What??? Who is withholding what information from whom?
What is the info independent of?
Who's contract next to whom?
Like applying for life insurance? Be more specific...