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 options to jump start your appeal – or write it for you.
- a Claim Consultation to prepare for a claim and respond to the insurance company’s requests for updates
Start with a Free Denial Letter Review
The denial letter is the foundation for your appeal. Whether the insurance company is right or wrong (or from another planet entirely), a successful appeal runs straight through the heart of the denial letter. Send us yours and answer a few questions about your claim. We’ll tell you what we think are the real reasons your claim was denied and tell you what to do for the appeal. You’ll have the option to continue working with us as you build your appeal. A Free Denial Letter Review 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 don’t know what specifically to include
- You have your appeal planned out, but want a fresh set of eyes on the denial letter to make sure you haven’t missed anything
How It Works
You have probably read only one denial letter – yours. We read hundreds each year. Where you see chaos, we see patterns – including what information the insurance company reviewed, what counts as selective cherry picking versus substantive analysis, and the real reason why the claim was denied (which is often buried under pages of an interesting-but-irrelevant re-telling of the medical records). We don’t know the specifics of your claim support yet, but we can see the path you need to take to present it for a successful appeal.
Send us your denial letter, answer a few background questions about your claim, and we’ll give you our roadmap for a successful appeal. That’s free. You decide whether you want to continue with our Appeal Coaching services. We want you to make that decision after you are fully informed about what we see as the best path for appeal success.
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.
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
With Appeal Coaching, we advise, you write, and we review and polish.
After your free denial letter review, Appeal Coaching starts with a Planning Session by phone or video call. We walk you through the review report, brainstorm how to develop the additional evidence your appeal will need, and answer your questions about how to talk with your doctors and what to expect during the appeal process. You leave the Planning Session with a clear plan and the confidence to execute it. We’ll help 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.
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 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. If you decide along the way to upgrade to Appeal Writing, we give you full credit for the Appeal Coaching fee.
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 give you written guidance for the doctor(s) and others who support your claim. As you gather additional evidence, we review it. When all the evidence is in, we write the appeal letter to the insurance company pulling everything together into an appeal package. When the insurance company sends letters during the appeal review, we draft your responses.
Especially if your appeal is complicated, Appeal Writing saves you hours of writing and worrying about what to write. Less work, more peace of mind as we help you build the strongest appeal possible.
How It Works
Appeal Writing starts in the same manner as Appeal Coaching, but after the initial planning session together, we do all the writing.
Appeal Writing is right for you if:
- Your appeal is complicated and you want experienced writers handling the letters to the insurance company
- Your doctors have asked for written guidance on how to respond to the insurance company and you don’t feel confident providing that
- You don’t have the time, interest or energy to write an appeal yourself and would rather review our drafts than write your own
- You want comprehensive support throughout the appeal, with us doing the heavy lifting
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
- develop an interview-based personal statement to include with your appeal
- 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 Consultations
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 offer for Appeal Coaching and Appeal Writing. 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.