| Basic Service:
Disability policy(s) review and summary to help you better understand the coverage you currently own.
Basic Service Plus:
In addition to the above service, for those who may
be applying for disability insurance benefits in the future,
this service provides a thorough understanding of the entire disability claim process, including backup material.
Full Claim Service:
Independent and comprehensive review, analysis and
summary of your current Disability and/or Long Term Care
Consultation on how to complete your initial disability
claim form and ongoing progress reports.
Coordinate and help you understand the claim relationship
between personal disability benefits and disability benefits
payable from an office overhead policy and/or buy-sell
disability policy, if applicable.
Helpful hints on what to expect from your insurance carrier
during the initial stages of your disability claim.
Effective ways to communicate with your physician(s) and
Proven methods on how to handle phone calls and
personal interviews with insurance company representatives
and claim examiners.
Coordination of disability policy information and claim status
with your personal attorney, if applicable.
Review and coordination of financial claim information.
What to do if your disability insurance claim is denied.
What to do if your insurance carrier stops paying a total or
residual (partial) disability claim.
Extended Monitoring Service:
A. If you began the claim process with my assistance, this
service begins after your initial benefits have been paid and
it is designed to monitor your claim from year-to-year. Disability
claim payments can be stopped by the insurance carrier, your claim can be "opened" for additional investigation or the nature
of your disability may change. This service is designed to help
you through and around any continuing land mines!
B. If you did not initiate your claim with my assistance, a more
comprehensive monitoring is needed, including a thorough review of your claim from it's initiation through the current period.
If you are purchasing disability income insurance and have
several different proposals for coverage, this service will
provide an independent comparison to help you chose which
coverage is best for you.