{2 minutes to read} When someone has a disability policy and then becomes disabled, one of the most important things they need to do is properly complete the disability claim process and application. I urge all of my brokers: When one of your clients becomes disabled, give me a call before they process and send in the disability claim form. Let me allow you to take advantage of a process by which we’ll make sure your client is properly filing their claim, because it is not just about their disability but it’s about how the claim is filed.

Years ago we had a client who complained that his insurance company wasn’t paying him, even though he was receiving money from Social Security for his disability. After some investigation and communication back and forth, it was determined that there were questions on the claim form that the company required to be completed. They had written to this client many times saying, “You’re not getting paid until you further clarify and answer the questions that we wrote to you about.” He came back to us and said, “I’ve never seen anything.”

The reality was that this client did not bother to check or read his mail, and numerous letters from the insurance company had accumulated in his mailbox.

We want to help your clients avoid these problems and get claims paid in the easiest and most expeditious way possible. If you have clients who are going to file a disability claim, let us know and we’ll help you with the process to be sure that your clients’ claims are properly prepared and paid.

Registered Representative offering Securities through American Portfolios Financial Services, Inc. (APFS) Member FINRA/SIPC. Investment Advisory Services are offered through G&G Planning Concepts, Inc. which is not affiliated with APFS. Strategic Wealth Advisors Network and Gassman Financial Group are not affiliated with APFS.

Any opinions expressed in this forum are not the opinion or view of American Portfolios Financial Services, Inc. (APFS) or American Portfolios Advisors, Inc.(APA) and have not been reviewed by the firm for completeness or accuracy. These opinions are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors.

Michael Fliegelman, CLU, ChFC, AEP, RFC
Founder / President, Strategic Wealth Advisors Network
(631) 262-9254
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Brokerage Director, MassMutual
Michael@SWANWealth.com

www.SWANWealth.com

Please note that the information being provided is strictly as a courtesy. Always confer with your CPA prior to attempting to take any tax deduction. Michael Fliegelman is not a CPA, nor should the contained be considered tax “advice”.

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