Suffering with a disabling condition can be difficult for anyone and fighting with an insurance company can make things much more difficult for the insured. Ray Bourhis Associates focuses on helping clients who want to fight back against their insurance carriers to make sure they get the Long-Term Disability (LTD) benefits that they deserve.
Part of making things easier for our clients is offering them help at any stage of the LTD claims process. It is always best for our clients if we are brought in as soon as they realize that they will need to file a claim on their policy. This allows us to make sure that the client is prepared for all of the obstacles that the insurance carrier will throw at them through the claims process such as being prepared for Insurance Medical Exams (IMEs) and field visits as well as guidance when filling out claims forms and documentation so that that the insured understands what the questions are asking and provides the information that the insurance company needs in order to approve the claim. It is very easy for insurance companies and their doctors to ask claimants questions that are designed to confuse and mislead a claimant into saying things that the carrier can use against them. We make sure that doesn’t happen.
If a claimant has been denied or has had their benefits terminated, or if they are being paid under a lesser provision (such as Residual or Partial Disability) we can be advocates on the claimant’s behalf so that they don’t have to fight the insurance company alone. Even when the insured is receiving their monthly benefits, we can engage in negotiations in order to obtain a policy buyout so that the insured receives a lump sum settlement of the claim instead of a check in the mail each month. There are numerous advantages to a buyout such as never having to fill out insurance forms again, not worrying about insurance company surveillance, and being able to invest the money as the client sees fit.
Ray Bourhis Associates has the experience and expertise to help disabled professionals obtain their rightful LTD benefits.