Long Term Disability | Short Term Disability

Expert Guidance for DISABILITY Appeal Success

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Strategy + Support = Success 

Disability Insurance claim denied? Help starts here.

When an insurance company denial turns your world upside down, the experienced specialists at Insurance Appeal Consultants are here to help you develop a winning appeal plan.

Start with our free disability insurance appeal guide, Recover Your Benefits: Keys to Successfully Navigating the Disability or Life Insurance Appeal Process. Learn what your denial letter is really saying about your claim and how to build a successful appeal.

Want personalized guidance? Book a one-time Strategy Session to discuss your denial letter with us. We’ll give you a clear strategy and practical tools, including an appeal letter outline customized for your claim.

For more help, choose Appeal Coaching for advice and support through the entire appeal process. Or, choose Appeal Management to turn the appeal over to us and be done dealing with the insurance company on your own.

Business People Discussion Advisor Concept

Appeals are time-limited, so don’t delay.  Let Insurance Appeal Consultants help you take the next steps towards a successful disability insurance appeal today. 

Free Guide to Disability Insurance Appeals

A denial letter catches most people off guard, and comes at the worst possible time. Building a successful appeal can be overwhelming. Our free disability insurance appeal guide, Recover Your Benefits: Keys to Successfully Navigating the Disability or Life Insurance Appeal Process, will walk you through the important steps, from identifying the real reason(s) your claim was denied, to planning an effective response, to keeping your appeal supported through the insurance company’s review period. 

The insurance company is counting on you being overwhelmed and giving up, especially if you have been told your short-term disability claim is “too small” to hire a representative. Give our comprehensive free guide a try first – with some knowledge, patience and preparation, it IS possible to build a winning appeal.

Download Our Free Guide

Personalized Disability Insurance Appeal Assistance  - You Have Options

For personalized help specific to your claim, a Strategy Session will jump start your disability insurance appeal. Let us review your denial letter, analyze what went wrong with your claim, and help you plan a strong appeal. We’ll even include a draft appeal letter identifying what to dispute (and what to ignore), and what additional evidence you and your doctors need to add with your appeal.

A one-time Strategy Session is right for you if:

  • You have a disability or life insurance denial letter and are not sure where to even start for an appeal
  • You have your appeal planned out, but also have questions and would feel a lot better running it by an experienced consultant who can see things you’re missing
  • You understand why your claim was denied, but are not sure how to develop the evidence you need for an appeal
  • Your doctor(s) won’t do appeal paperwork or won’t support your claim and you want to brainstorm alternatives
  • You’d like to jump start your appeal with an appeal letter template, customized to your claim, to guide you
Solution Concept

Appeal Coaching continues our personalized guidance and support throughout the entire appeal process. We’ll help you polish your appeal letter, review the additional evidence you plan to submit, and suggest important context for your appeal. We’ll also help you respond to letters the insurance company sends as they evaluate the appeal.

Appeal Management means never having to deal directly with the insurance company again throughout the appeal process. We’ll act as your authorized representative and take charge of all aspects of the appeal, including writing and submitting everything. The only thing we can’t do is visit your doctor for you.

For Attorneys - Join Our Resource Network

Whether you handle the occasional ERISA appeal, or count disability and life insurance appeals as a dedicated practice area, the hard truth is that many cases do not fit your guidelines for representation. Particularly when disability denials are for only a few months of benefits, contingent fee representation often does not make sense for you, and paying by the hour does not make sense for your client (who could easily end up paying more in fees than their claim is worth). Or maybe you can’t take the case because an SSDI decision is pending, medical support for the claim has yet to be developed, or it’s unclear whether or not a short-term disability will become a long-term disability claim. But the appeal clock is ticking, and claimants can’t wait.

Insurance Appeal Consultants can help these clients develop successful appeals. We all recognize that no claim is ever “too small” for a person who was depending on their benefits. Importantly, by working with us, even if their appeal is denied our clients will have developed a detailed administrative record that puts them in the best possible position for moving forward with their claim. Often the same case that didn’t make sense for your appeal representation will be a perfect fit for your litigation expertise.

Help us ensure that every claimant has the support and resources they need to successfully appeal a wrongful insurance denial. Contact Us to join our resource network today.

Quick Guide: Disability Insurance Appeal Strategies

DOs

DON’Ts

Testimonials

“I received a referral from a respected local law firm to reach out to Jenny and Ellen at Insurance Appeal Consultants after I had a disability claim denied by my employer’s insurance company. 

The advice and guidance they provided me not only helped to get my denied claim overturned on appeal, but gave me the peace of mind I needed to focus on my recovery instead of stressing about how I would afford the time off. The fee for their services was such a minimal investment that, whether I would have won my appeal and disability pay or not, I was satisfied by just having my case fairly heard.

I cannot stress enough how much I recommend Insurance Appeal Consultants if you are in need of some guidance. They are potentially literal life savers, and I am so grateful for them!”

Tim A.  (Google review)

Testimonials

“Ellen and Jenny’s assistance has made a huge difference in my insurance appeal process. They have gone above and beyond to help me. Even after months reading my own file, speaking with my case manager, and working with my providers, it has often felt like I’m losing a game I don’t even know the rules of. Ellen provided clear guidance, with insights about the process I would have never known on my own. She has been very responsive to follow up questions, wrote me a draft appeal letter, and helped write letters requesting more information from my providers. I now feel I am on equal footing with the insurance company as I go through my appeal. I highly recommend scheduling a call.”

Jasper  (Google review)

Testimonials

“Ellen Bresnahan at Insurance Appeal Consultants is brilliant. She understands the ins and outs of ERISA disability like few people I know, is generous with her time and expertise in analyzing cases and issues, and simply a fantastic resource. She is easy to talk to, and prompt and thorough in answering questions. I am a much better ERISA attorney after years of talking with her whenever I have questions. I recommend her company enthusiastically and without reservation!”

Jim Monast, Monast Law

(Google review)

Testimonials

“Jenny and Ellen have been an invaluable resource helping me effectively negotiate my disability denial appeal. Their expertise has been exemplified through their guidance, which has included face to face intakes, a thorough assessment of my situation, face to face and written coaching, outlines of what to expect during the process, step by step instructions for me to follow to help ensure a successful outcome, and detailed request letters for supporting documents from the various healthcare professionals involved in my case.

Their professionalism and sense of empathy has shined with not only their prompt responses to any questions I present them but with the thoughtfulness behind their responses. They are invested in my success. What has been most amazing is the brilliantly written appeal letter Ellen has provided, which I would not have been able to generate on my own.

Jenny and Ellen have given me the tools and confidence to tackle what initially appeared to me to be an impossible task. I am hugely grateful!”

Aaron R.  (Google review)

Testimonials

“I recently worked with Insurance Appeal Consultants, specifically Ellen and Jenny, and am so appreciative for their support in navigating such a complex and emotional process. From the initial strategy session to gather information, they guided me through the entire appeal process with professionalism, responsiveness, and empathy.

Ellen and Jenny were incredibly thorough and detail-oriented, helping me develop a high-quality appeal that was meticulously crafted. They were always available to address my concerns and provided clear, helpful explanations every step of the way.

The support and expertise from Ellen and Jenny made a challenging situation much more manageable. I highly recommend Insurance Appeal Consultants for their exceptional service and dedication. Thank you, Ellen and Jenny, for your outstanding assistance!”

CJ MC  (Google review)

Testimonials

“They gave me good advice what to do after I mailed an appeal letter to my insurance later on the same day it got approved. I thank them for their help and if I ever need [it] I know where to go now.”

Thomas T.  (Google review)

Testimonials

“Both Ellen and Jenny exceeded my expectations in handling my last-minute request with remarkable proficiency. Their patience and thoroughness in guiding me through a complex process were invaluable. Their expert advice instilled in me the confidence necessary to proceed. Additionally, their kindness, care, and compassion towards clients are truly commendable. I wholeheartedly recommend their services.”

Giavanna G.  (Google review)

Testimonials

“Ellen and Jenny provided me with invaluable assistance in navigating a challenging claim. 

Their meticulous attention to detail and structured approach to providing support were greatly appreciated.”

April J.  (Google review)

Testimonials

“I can’t express my deepest thanks to Ellen and Jenny for their exceptional help with my insurance appeal.

Very professional and timely with their responses to all my questions. I give them an A+ and 5 stars across the board.”

Chris S.  (via email)

Testimonials

“I have now gained a new realization of what I am up against…I think I may stop crying now. I think Lincoln Financials’ injustice will no longer invade my thoughts and steal my joy. Thank you.”

Joan S.  (via email)

Testimonials

“I cannot express enough gratitude for the exceptional support and guidance provided by Insurance Appeal Consultants.

They offered insightful advice tailored to our specific needs, ensuring that we understood our options and rights every step of the way. Their dedication and professionalism were evident throughout the process, alleviating much of the stress associated with such important decisions.”

Ralph S.  (Google review)

Testimonials

“‘Thank you’ does not express my appreciation for the work you did, and your diligence, dealing with Northwestern. A huge weight is off my shoulders thanks to you!”

Anne Marie S.  (Thank You note)

Testimonials

“It has been a wonderful experience working with the Insurance Appeal Consultants.
The advice provided by Ellen Bresnahan and Jenny Koprowski was direct, clear and effective.
As a team, they are quick to respond, professional and people of integrity who care about their client’s needs and eager to help them navigate this complex landscape at a reasonable cost. I found this to be refreshing, reassuring and easy to work with. I highly recommend their services.”

Happy Client Leah V.

Testimonials

“Ellen is so calm and reassuring. She’s efficient but also really good at explaining the jargon so I can understand it. She is very patient and keeps you on point, especially if your mind wanders like mine. I would still be spinning my wheels if it wasn’t for her. Thank you!”

Allison K.  (Google review)

Testimonials

“Thanks to you, I can resume medical treatments. I can finish home repairs and make healthier choices at the grocery store. Many, many thanks.”

Thomas L.  (Thank You note)

Disability Insurance Appeal Success Starts Here

A denial letter doesn’t have to be the last word on your disability or life insurance claim. Insurance Appeal Consultants is committed to providing a range of options for your appeal, including free and low-cost services. Contact us today to learn how we can help you build your strongest appeal, overturn the insurance company’s denial, and get the benefits you deserve.

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