Long-Term Disability Claims Help

Health Resources Consultants, Inc.

Hartsdale, NY (map)

Bronze member

About Health Resources Consultants, Inc.

As a Long-Term Disability (LTD) claims consultant, I assist clients in the filing and appeal of LTD claims. I analyze their policies to determine how each policy defines disability, as there are countless definitions, and the claim documentation provided must meet each policy's definition in order for the claimant to be found eligible for benefits. I work with my clients (and not for my clients) in completing claim forms and gathering medical records and other documentation to help them avoid the unknown pitfalls that can often result in claim denials.

This means, I do not do the claim for them but work with them very closely, providing the guidance and options along the way, but they are an integral part of the process, and we do not do anything they do not feel comfortable with.

Having headed up a claims department and specifically specializing in disability for a major insurance company, I have an insider's claim knowledge of how insurance companies work and how claims are handled.

Over 95% of my client's claims have been approved. Many of these claimants have received benefits totaling several million dollars.

My goal is to get the benefits the clients are entitled to and the peace of mind they deserve. The claim filing process is difficult for everyone but particularly those facing a disability which is typically a terrifying and unimaginable future.

I work to level the playing field for them. Long-term disability claimants often face a period of transition; we help facilitate that process. Once the transition is made, they often find there are new options that can enable them to maintain their dignity and a quality lifestyle. With initiative and guidance, many find and enjoy the meaningful new opportunities for a new, challenging and equally fulfilling life.

Location

Hartsdale, NY 10530

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Question and answer

Q. What advice do you have for a customer looking to hire a provider like you?

A. Review their claim and professional credentials, their website and client testimonials.

Q. If you were a customer, what do you wish you knew about your trade? Any inside secrets to share?

A. I would like to know that the claims consultant had claims experience and not just a sales background. These are two entirely different bases of knowledge. Ask to check references and speak to the person before hiring them so you know if you feel you can establish a close working relationship. If not, continue to look for a better match.

Q. What questions should a consumer ask to hire the right service professional?

A. How do you work with clients and what makes you different from other disability claims consultants?

May I contact some of your clients for references?

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