Personalized Disability Appeal Support When You Need It Most
Appealing a disability or life insurance claim denial can be overwhelming. Let Insurance Appeal Consultants help. We offer:
- a free denial letter review to identify what you most need to focus on for an effective appeal
- personalized Appeal Coaching to jump start your appeal. We’ll start with a Planning Session to decide on the best direction for your appeal. When you’re ready to submit your appeal, we’ll examine your evidence, edit your appeal letter, and help you follow up on any new insurance company requests as they consider your appeal
- need more hands-on assistance? Appeal Writing has you covered, when you’d rather turn the letter writing over to us
- prepare for a claim before you apply
- respond to the insurance company’s requests for updates while you remain on disability claim
- connect with an attorney in our appeal resource network
We Start with a Disability Appeal Planning Session
After a free denial letter review, Appeal Coaching and Appeal Writing both start with a Disability Appeal Planning Session. We’ll schedule a phone or video call to discuss your denial letter review and plan out the next steps for your appeal. Appeal Coaching is right for you if:
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- You have a disability or life insurance denial letter and are not sure where to start for an appeal
- You have an idea about how to appeal, but also have questions
- You have your appeal planned out, but would feel a lot better after running it by an experienced consultant who can see things you might be 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 so you just have to add the additional evidence you’ll need for your appeal
- You want to talk to someone in detail about your claim before diving into the appeal
Read More about a Disability Appeal Planning Session
How It Works
Appeal Coaching and Appeal Writing both start with a Disability Appeal Planning Session. And every Planning Session starts with a free denial letter review. Send us a copy of your denial letter and answer a few questions about your claim. Our initial review normally takes 1-2 business days.
When the free denial letter review is complete, we will send you a report about what we think went wrong for your claim and what we see as your next steps for an appeal. We’ll identify areas where we think you will need to dispute the insurance company’s version of your claim, as well as places where we think you’ll need to add additional evidence. We’ll explain our options for additional assistance, including Appeal Coaching and Appeal Writing. There is no charge for this initial review and report.
When you decide to move forward, choose either Appeal Coaching or Appeal Writing. Next, we’ll schedule a time to hold the Planning Session via telephone or video conference, whichever you prefer.
In the Planning Session, we’ll discuss your denial letter and our initial report, plan for how to develop the additional evidence and support that you need, and answer any questions you have about your claim and the appeal process.
After the Planning Session, we’ll continue to support and advise you until the insurance company issues their final appeal decision. And win or lose, we’ll help you plan for the next steps.
Cost
There is never any charge to send us your denial letter and get our initial feedback plus specific details about how we can help through our Appeal Coaching options.
When you decide to move forward, Appeal Coaching is $495. We advise, you write, we review and polish.
Or, if you want us to do all the writing while you do the reviewing, Appeal Writing is $995.
Get started here to upload your denial letter and learn more about why your claim was denied and how to build a strong appeal.
Appeal Coaching
After the Disability Appeal Planning Session, Appeal Coaching provides comprehensive support throughout the entire appeal process. This includes our guidance as you:
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- Develop additional evidence. We’ll help you communicate with your doctor(s) and other experts to gather the additional evidence you’ll need to support your claim.
- Write a strong appeal letter. We’ll review your draft to make sure it provides important context for your claim.
- Submit your appeal package. When you have collected all your evidence, we’ll finalize your appeal letter and compile a single PDF file for you to send to the insurance company to ensure nothing gets “lost.”
- Respond during the appeal. The insurance company often sends you new reports to comment on as they review and decide your appeal. We’ll help you plan how to respond.
- Plan for what happens after the appeal. You will either win or lose the appeal, and it is important to be ready for the next steps either way.
Read more about Appeal Coaching and how we can help you build your strongest appeal
How It Works
With Appeal Coaching, we advise, you write, and we review and revise as needed.
After you’ve worked through the appeal plan we developed in your Disability Appeal Planning Session, send us what you’ve got. We’ll review any new medical records or other new evidence that supports your claim. We’ll also review your appeal letter and suggest additional edits to make sure it’s responsive to the reasons given in the denial letter (without raising new issues that could complicate your claim). When everything is ready, we’ll compile all your attachments into a single PDF file for you to send to the insurance company.
After you submit the appeal, the insurance company will often send you additional letters discussing their work on the appeal. They will give you the “option” to respond, which of course is not optional if you want to win the appeal. Appeal Coaching will help you stay in the fight. We’ll help you plan when and how to respond, review your response letter(s), and give additional guidance on how your doctor(s) can help now. We’ll do this as many times as necessary, until the insurance company issues a final appeal decision letter.
And win or lose, like any good coach, we’ll help you plan your next steps.
Costs
Comprehensive Appeal Coaching is $495. It starts with a Disability Appeal Planning Session and follows the same “we advise, you write, we review” model until you have a final appeal decision letter. Win or lose, Appeal Coaching includes our advice on what next steps to take.
Appeal Writing
We know that sometimes, coaching alone isn’t enough. When you need more support, Appeal Writing will draft all your letters to the insurance company for you to review and submit.
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Appeal Writing is similar to Appeal Coaching, but we do all the writing for you to review, rather than the other way around. We’ll write the appeal letter, give you written guidance for the doctor(s) and others who support your claim, and can review new evidence as you collect it. If the insurance company sends letters during the apeal process, we’ll draft responses for you.
How It Works
Appeal Writing means less work and more peace of mind for you. Especially if your appeal is complicated, we can save you hours of writing and worrying about what to write.
Costs
Appeal Writing is $995. It includes everything in Appeal Coaching, but we do the writing, you do the reviewing.
Other Appeal Support Services
Depending on your appeal needs, we can also help
- order, organize and analyze your insurance company claim file (included with Appeal Management)
- develop an interview-based personal statement to include with your appeal (included with Appeal Management)
- respond to an insurance company vocational report that “found” jobs for you to do
Looking for something we haven’t covered yet? Please contact us to discuss what you need. We want to help if we can.
Beyond the Appeal: Claim Preparation and Management
The best appeal is one you can avoid by never having your claim denied in the first place. We can help you with:
Pre-Claim Consultation. When you have time to see a claim coming, you have time to plan. Send us your insurance policy and recent medical records and we’ll discuss how to make your claim as strong as possible before you file it. Includes a review of your application paperwork whenever you’re ready to submit. Cost: $495
Disability Claim Review Consultation. For disability claims, getting on claim is just the beginning. The insurance company will require on-going proof that you remain eligible for benefits. When they request an update, we’ll walk you through the paperwork and review your recent medical records to help things go as smoothly as possible. Cost: $495
Free Guide to 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 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 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.
We're Here When You Need Us
Recover Your Benefits: Keys to Successfully Navigating the Disability or Life Insurance Appeal Process will guide you through the appeal process in general. If you’d like personalized help specific to your claim, the first step is to complete a Free Denial Letter Review so we can all better understand your claim. Our report will include a description of what we can cover in a personalized Disability Appeal Planning Session. At the end of the Planning Session, we can discuss how to continue working with us through our Appeal Coaching and Appeal Management options. You decide what makes the most sense for you and your claim going forward.
Insurance Appeal Consultants is here to provide the help you need, when you need it. Contact us whenever you have a question or need our help. Together, we will give your claim the care and attention required for your best shot at a successful appeal.