How can we help you?
No two disability claims are alike. There are hundreds of different disability policies out there with varying timelines, riders, and definitions associated with them. This causes each claim to be unique and requiring specialized handling to ensure appropriate consideration. Here at Disability Insurance Advocates, we tailor our approach to handling your claim to you, your particular policy, and your specific set of circumstances. Some of the specialized services we can offer to assist you through the claim process and ensure your claim has the best chance of being approved are:
- Our experience in the claims process can help you navigate through the maze of often tedious and confusing paperwork associated with applying for disability benefits.
- Medical professionals on staff will review your medical records and can provide a concise summary of the pertinent findings related to your diagnosis to accompany your claim application, expediting the decision process.
- We are familiar with common claim review processes such as pre-existing condition exclusions, changes in definition of disability, own occupation/any occupation riders, Independent Medical Examinations, Functional Capacity Evaluations, and calculations of your monthly benefit. This allows us to ensure that these policy specifics are handled appropriately and fairly by the insurance company with your best interests in mind.
- By presenting your complete claim application in a clear, concise manner, there is an increased probability of claim approval.
- We help avoid common pitfalls leading to claim denial by:
- Ensuring claim materials are complete and presented in a professional and easy to understand format.
- Talking with your medical providers as necessary to ensure accurate and adequate documentation of your diagnosis.
- Ensuring rigorous timelines related to submission of claim materials are met.
- Familiarizing you with processes and expectations related to tactics used by the insurance companies during ongoing claim review such as changes in definition of disability, IME’s, FCE’s and surveillance.
- Ensuring proper documentation of pertinent findings related to difficult-to-assess diagnoses such as fibromyalgia and chronic fatigue.
- Identify potential lump sum settlement opportunities, should that be something you wish to explore.
- Vocational Rehabilitation resources are available to negotiate possible return to work settlements or return to work planning.
- We have the ability to use occupational analysis techniques utilizing the Dictionary of Occupational Titles to ensure that the insurance companies have the appropriate occupational requirements of your job to compare to your functional limitations.
- We will make sure you know your rights in the claim process with regard to appeals, perfections, etc.
- We will help you to understand confusing aspects of the claim process such as policy language, ERISA guidelines, and the appeals process.
Disclaimer:
All disability claims are different. Although Disability Insurance Advocates
cannot guarantee that you will receive benefits, we will work hard to advocate
for our clients to reach a favorable claim decision. We do not support insurance
fraud of any kind and reserve the right to refuse to assist in the submission
of any potentially fraudulent claim material.