| Analyze disability policies including applications for coverage
Analyze rights, benefits and coverage under disability insurance contracts
Evaluate occupational-defined duties and specialty letters from your insurance company
Determine notice and time requirements for submitting claims
Interpret obligations imposed upon insurers by statutes and case law
Advise how to properly complete claim forms and insurance company questionnaires
Advise how to communicate with treating physicians and inform about your claim
Assist to determine and report your pre- and post-disability duties and hours
Advise how to handle the insurance company’s medical examiner
Advise how to prepare for and participate in an Independent Medical Exam (IME)
Assist in understanding the differences between "Total, Partial and Residual" disability
Assist in obtaining the medical documentation required to support your disability claim
Evaluate buy-out offers, policy values and options in negotiating with insurance companies
Negotiate and resolve any issues that may arise during the disability claims process
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executives
regarding their rights under individual and business-protection
disability insurance policies. When an injury, illness or
health condition interferes or prevents clients from performing
professional or business duties, the Firm assists its clients
to obtain disability insurance benefits. The Firm also provides
advice and assistance when an insurance company has suspended
or terminated benefits. The Firm provides advice and support
at each stage of the claim process and guides its clients
in developing the documentation required, should litigation
later prove necessary. The focus of the firm's effort is
to avoid costly and time consuming litigation by supporting
and guiding the client in achieveing short-term and long-term
benefits while they are disabled. 