Disability Claims

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 clients: When you become disabled, give me a call before processing and sending in the disability claim form. Let me allow you to take advantage of a process by which we’ll make sure you are properly filing your claim, because it is not just about your disability but it’s how you file the claim.

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 you avoid these problems and get claims paid in the easiest and most expeditious way possible. If you anticipate filing a disability claim for any reason, give us a call. We’ll help you with the process to be sure that your claim is 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.

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