Whether you were expecting it or got hit out of the blue, receiving an insurance company denial letter for disability or life insurance benefits can be devastating. It usually comes at a time when you are already reeling, as you cope with a disabling diagnosis or the loss of a loved one.

You can appeal the denial decision, but how?When you're not sure where to start, Recover Your Benefits: Keys to Successfully Navigating the Disability or Life Insurance Appeal Process is the resource you need to learn what steps to take next. Author Ellen Bresnahan has helped hundreds of claimants understand their insurance company denial letters and plan their disability and life insurance appeals.

She has won appeals against all major insurance carriers, recovering millions of dollars in wrongfully denied benefits for claimants. In Recover Your Benefits: Keys to Successfully Navigating the Disability or Life Insurance Appeal Process, Ellen explains why your denial letter is so hard to understand, and how to appeal it anyway.

She discusses the three important foundations of any effective appeal: argument, evidence and context for your claim. The book also covers:Why you're not just appealing to the insurance company, you're also building the only record about your claim that you can use for a lawsuit if your appeal is denied;Why you should always ask your Plan Sponsor, and not just the insurance company, for a copy of your insurance policy and all the documents that govern your claim;When to request your insurance company claim file - and when to skip it - and what to look for;How to determine the real value of your claim and factor in any other related benefits many people don't think to consider until it's too late;How to work with your doctors, even when they're reluctant to engage with the insurance company, to get the support you need for a successful appeal, and much more.

With any insurance company appeal, time is of the essence. If you miss the appeal deadline, you most likely will not get another chance to revive your claim.

The insurance company is counting on you being one of the claimants who don't know where to begin, so they never submit an appeal. Don't let them get away with it! Get your copy of Recover Your Benefits: Keys to Successfully Navigating the Disability or Life Insurance Appeal Process to learn how to take the necessary steps to fight the insurance company's wrongful denial and get your benefits back.

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