Claim Guide database

Claim Process Guides

Step-by-step claim navigation — the first-notice call, attending physician statements, IMEs, surveillance reality and the appeal calendar most claimants miss.

Appeal 1 Documentation 1 Examination 1 Filing 1 Maintenance 1 Verification 1

Claim Guide

Appeal after denial: Deadlines, Tactics and Common Mistakes

Appeal after denial: deadline — 180 days from denial (erisa group plans). Key move: lawyer before the appeal, not after.

Claim stage Appeal after denialDeadline 180 days from denial (ERISA group plans)Key move Lawyer before the appeal, not after

Claim Guide

Surveillance reality: Deadlines, Tactics and Common Mistakes

Surveillance reality: deadline — any time during claim. Key move: assume every public outing is recorded.

Claim stage Surveillance realityDeadline Any time during claimKey move Assume every public outing is recorded

Claim Guide

Independent medical examination: Deadlines, Tactics and Common Mistakes

Independent medical examination: deadline — carrier-scheduled. Key move: attend, answer only what is asked.

Claim stage Independent medical examinationDeadline Carrier-scheduledKey move Attend, answer only what is asked

Claim Guide

Ongoing proof of loss: Deadlines, Tactics and Common Mistakes

Ongoing proof of loss: deadline — monthly or quarterly. Key move: calendar the deadlines yourself.

Claim stage Ongoing proof of lossDeadline Monthly or quarterlyKey move Calendar the deadlines yourself

Claim Guide

Attending physician statement: Deadlines, Tactics and Common Mistakes

Attending physician statement: deadline — per carrier, typically 30–45 days. Key move: brief your doctor before they fill it.

Claim stage Attending physician statementDeadline Per carrier, typically 30–45 daysKey move Brief your doctor before they fill it

Claim Guide

First notice of claim: Deadlines, Tactics and Common Mistakes

First notice of claim: deadline — within 30 days of disability (per policy). Key move: call, then everything in writing.

Claim stage First notice of claimDeadline Within 30 days of disability (per policy)Key move Call, then everything in writing

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