Personalized Support When You Need It Most
Appealing a disability or life insurance claim denial can be overwhelming. Let Insurance Appeal Consultants help with what you need most. We offer:
- a one-time Strategy Session personalized to your claim to jump start your appeal. We’ll include a personalized appeal letter template and other tools to guide you through the appeal
- Appeal Coaching and Appeal Management when you want additional help throughout the entire appeal process
- Final Appeal Review Package. We’ll examine your evidence, edit your appeal letter, and help you follow up on any insurance company requests as they consider your appeal
- 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
Strategy Session
Your personalized disability or life insurance appeal support starts with a Strategy Session to analyze your denial letter and plan an effective response. Send us your denial letter and we’ll walk you through it, discuss how best to respond, and provide a customized appeal letter template to organize your appeal. A Strategy Session 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 fill in the sections you’ll need for your appeal
- You want to talk to someone in detail about your claim before diving into the appeal
After the Strategy Session, you will have a clear plan for the next steps to take, including working with your doctor(s) and other experts to get the claim support you need, and writing an appeal letter that explains why the insurance company was wrong to deny your claim. Depending on the complexity of your denial letter and value of your claim, a one-time Strategy Session might be all you need to develop your strongest appeal.
How It Works
To start a Strategy Session, we’ll need a copy of your denial letter and some background information about your claim. Our initial review normally takes 1-2 business days.
When the initial 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 tell you specifically what your personalized Strategy Session will include. There is no charge for this initial review and report.
When you are ready to move forward, we’ll send you an invoice for the Strategy Session fee and a schedule a time to hold the Strategy Session via telephone or video conference, whichever you prefer.
In the Strategy 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 Strategy Session, we will email you an initial draft of your appeal letter, customized for your claim. We’ll include what we discussed in the Strategy Session and identify the areas where you will add evidence. We’ll give you letters to share with your doctors about how they can best support your appeal. You will leave the Strategy Session with clear, practical guidance for the steps to take next to build and submit your appeal. If all goes according to plan, you’ll only need to polish, sign and date your appeal letter, finalize your list of attachments, and mail the appeal package to the insurance company.
If you want to continue getting our advice and guidance throughout the appeal process, or just want to turn the appeal over to us, we have options for that, too. We can discuss Appeal Coaching and Appeal Management after the Strategy Session, or you can reach out to us any time as you work on your appeal.
Cost
There is never any charge to send us your denial letter and get our initial feedback plus specific details about what your personalized Strategy Session will include. When you are ready to move forward, an initial Strategy Session is $395. Visit Start a Strategy Session to upload your denial letter and get started
Appeal Coaching
After the Strategy Session, choose Appeal Coaching for 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 help you highlight the insurance company’s errors and omissions and provide 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 files 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 when and 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, you are still the point of contact with the insurance company. You reach out to us and your dedicated appeal coach as needed throughout the appeal process. Together, we’ll work through the appeal plan we developed in your Strategy Session.
We’ll review and discuss any new medical records or other new evidence that supports your claim. We’ll also review your appeal letter and suggest edits to make sure it’s responsive to the reasons given in the denial letter. When everything is ready, we’ll give your appeal a final review and 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. We’ll strategize with you how best to reply.
After your appeal is decided, we’ll plan the next steps with you, win or lose.
Costs
Comprehensive Appeal Coaching is $995 after a paid Initial Strategy Session. It includes as many emails, phone calls, appeal plan changes and appeal letter revisions as necessary while you gather your appeal evidence, and then includes a final Appeal Review Package to take you through the appeal decision.
A Final Appeal Review Package alone is $495 after a paid Initial Strategy Session. The Strategy Session got you started, you collected all the evidence on your own, and a Final Appeal Review Package will bring you to the finish line. When you are ready to submit your appeal, send us what you’ve got. We’ll review everything and suggest any last-minute edits, finalize your appeal letter, and compile a single PDF file with all your attachments for you to send to the insurance company to ensure nothing gets “lost.” After you submit your appeal, the insurance company often sends new reports for you and your doctors to comment on before they decide your appeal. We’ll help you plan when and how to respond, as many times as necessary.
When you just need a little bit of help, a one-time Mini Strategy Session is $195 after paid Initial Strategy Session. Do you have a new test result, medical record, doctor letter or insurance company letter that you want to run by us? Let’s have a Mini Strategy Session. We’ll review where you are and how the appeal plan may have changed with your new information, and update your appeal letter to reflect any changes. Repeat as necessary, or upgrade to Comprehensive Appeal Coaching (with credit for any previous paid Mini Strategy Sessions).
Appeal Management
Appeal Management is your path to never having to deal directly with the insurance company again throughout the appeal process. We’ll keep you informed and involved as we take charge of:
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- All communications with the insurance company.
- Making collection of medical records and additional evidence as easy as possible.
- Writing and submitting the appeal letter and supporting evidence.
- Following up with the insurance company as they review the appeal.
- Planning with you for what comes next after the appeal, win or lose.
How It Works
Put us in charge of the appeal, and Insurance Appeal Consultants will step in as your designated representative with the insurance company. You’ll still need to work with your doctors to gather evidence to support your claim, but we will:
- Write to the insurance company, instructing them to contact us directly about your appeal.
- Order your claim file and review it to ensure there are no missing medical records or other surprises.
- Write a letter for you to give to your doctor(s) explaining exactly what you need from them for the appeal.
- Give you the form you’ll need to request your medical records from your doctors, and keep track of new records as they are received.
- Give you a letter to send to your Plan Sponsor requesting a copy of your insurance policy and any other plan documents.
- Interview you to develop a personal statement fully explaining the context for your claim.
- Write the appeal letter, organize all your supporting evidence, and submit the appeal on time to the insurance company.
- Keep you in the loop about any correspondence from the insurance company as they review the appeal, and discuss the appropriate response(s) with you.
- Discuss your next steps after the appeal decision.
- For disability claims, if you win the appeal you can choose to have us remain as your designated representative with the insurance company for an annual fee.
Costs
Appeal Management is $3,995 after a paid Initial Appeal Strategy Session. If you first paid for any additional Appeal Coaching services, we will credit that amount towards Appeal Management.
Want us to continue to act as your Authorized Representative while you remain on claim? Post-Appeal Management for insurance company claim updates is $495 annually. That includes our assistance with any update requests that the insurance company sends during the year.
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 Strategy Session so we can all better understand your claim. At the end of the session, we can discuss 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.