Justice for terminally diagnosed people facing insurance denials, delays, and fine-print reductions — at the worst time of their lives.
A terminal diagnosis is hard enough. Insurance companies should not be allowed to add bureaucracy, confusion, and “policy language” to your grief.We’re building a legal support fund to fight these practices nationwide.
Right now, while we assemble funding and legal partnerships, this site gives you clear steps you can take immediately to protect yourself and your benefits.
TerminalJustice.org
If your plan is employer-provided, it may be ERISA-governed. ERISA appeals have strict deadlines. Don’t miss them.
Create one folder and put everything in it:
• denial/reduction letters (front + back pages)
• the policy/certificate and any riders
• the SPD (summary plan description)
• your medical documentation
• notes of phone calls (date, time, who you spoke to, what they said)
Request, in writing, the complete claim file and the plan documents used to make the decision.
Your appeal should:
• dispute the benefit amount/denial clearly
• identify what’s wrong (facts + policy language if you have it)
• include supporting medical and coverage evidence
• request a full and fair review
• be sent with proof of delivery
Look for attorneys with ERISA and insurance coverage experience. Ask:
• Do you litigate ERISA benefit cases?
• Do you build the administrative record for court review?
• What do you need from me this week?
• What’s your fee structure (contingency/hourly/hybrid)?
Your appeal should:
• dispute the benefit amount/denial clearly
• identify what’s wrong (facts + policy language if you have it)
• include supporting medical and coverage evidence
• request a full and fair review
• be sent with proof of delivery
Use the Insurance Appeal GPT below to help you draft the best possible appeal letter.
TerminalJustice.org
We're not ready to accept donations yet but if you find this site helpful or you find this a cause you would like to get behind please come back and donate when we are set up for donations.
TerminalJustice.org
I'm Tony Farley. I started The Tony Farley Terminal Justice Fund because I lived what shouldn’t happen.Before my diagnosis, I carried employer-provided group life insurance with $200,000 in coverage and paid premiums for that amount. Then I was diagnosed with terminal cancer. That single medical event triggered everything—hospitalization, disability, and the need for an accelerated death benefit, which exists for moments exactly like this.But instead of the benefit being calculated from the coverage I paid for, my policy was reduced to $40,000 through a disability-related provision, and my accelerated benefit was calculated from the reduced number.To me, that turns a promised safeguard into a mirage. And it’s not just about one person. It’s about a system that can drain people of money, time, and dignity when they’re already living through the hardest news of their lives.We’re building this fund to fight back—through impact cases, public accountability, and policy change—so terminally diagnosed people can focus on care and family, not loopholes and paperwork.Right now, we are building funding and legal partnerships. In the meantime, we publish free, practical resources to help you protect your deadlines, build your record, and find the right representation.
© Tony Farley. All rights reserved.