And thank-you Laurie and Terry. The company does use HealthPartners only in an administrative capacity, so I cannot go to the state level. Don't think federal is the route either, like you said. I think you nailed it Laurie. Intimidation is my best approach w/ leverage of "no finalized 2007 Summary Plan" yet. And maybe include the comment the owner of co. said to my husband in my husband's private office, when he came to ask how I was: "you know, I could pick up the phone and just tell HP to pay for it." Then obviously changed his mind after meeting with his HR hire who advised him against it. (btw, we found out his top HR person who helps decide what is covered and what is not, HAS HERSELF COVERED UNDER HER HUSBANDS' BENEFIT POLICIES!) Terry, I agree...they should take care of their own, especially since my husband is one of the top exec's and has been with the company for 16 years. My fight is not over! 
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CindyLou
bicycle accident 6/19/01
2 compression fractures, T12, L1;
vertibroplasty @ above levels, 9/15/01
4/06 hip labral tear repair
4/07 Lumbar ProDisc replacement by Dr. B., 3 levels; L3-6
7/2/08 ALIF of L6-S1
7/30/08 Removed bone cement.
8/7/08 Diagnosed with pulmonary embolism, double pneumonia, collapsed left lung, pleurisy, pleural effusion.
3/10/09 right SI Joint Fusion; seeing light at end of tunnel, for first time in 8 years!!
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