Disability Insurance Claim Advice - Consultant and Negotiator

Disability Insurance Claim Advice

ARTICLES WRITTEN - 2010

04/2010

HEALTH INSURANCE UNDERWRITER (N.A.H.U.)
“How to Complete a ‘Non-Can’ Disability Application to Avoid or Minimize a Lawsuit”

2/2010

CALIFORNIA BROKER
“How to Complete a Non-Can Disability Application to Avoid or Minimize a Potential Lawsuit”

2/2010

THE CHIROPRACTIC JOURNAL
Discrimination Against Chiropractors Related to Disability Claims"

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ARTICLES WRITTEN - 2009

11/16/2009

NATIONAL UNDERWRITER
(Life & Health Edition)
"Calling In A Disability Expert "

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04/2009

CALIFORNIA BROKER
"Selling Individual Disability With the Proper Contractual Wording And Options"

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ARTICLES WRITTEN - 2008

12/2008	CALIFORNIA BROKER “More War Stories From A Disability Claim Consultant” Read this article in its entirety
4/2008	CALIFORNIA BROKER “War stories From A Disability Claims Consultant” Read this article in its entirety
Spring 2008	THE FORENSIC EXAMINER “The Disability Claim Buyout”
3/2008	CALIFORNIA BROKER “Secrets of a Claim Buyout” Read this article in its entirety
1/21/2008	NATIONAL UNDERWRITER (Life & Health/Financial Services Edit.) “Weighing the Pros and Cons of The Disability Claim Buyout ”

ARTICLES WRITTEN - 2007

9/2007	CALIFORNIA BROKER “Disability Claims for Dentists, Surgeons and Chiropractors” Read this article in its entirety
9/2007	SOUTHERN CALIFORNIA PHYSICIAN (OPINIONS) "Sharing Disability Insurance Knowledge"
5/2007	CALIFORNIA BROKER "Gaining the Upper Hand in a Disability Buy-Out"
3/22/2007	JOURNAL OF FINANCIAL PLANNING (Between The Issues) E-Newsletter "The Disability Claim Buyout "
3/2007	AMERICAN CHIROPRACTIC ASSOCIATION NEWS “Buyer (and Claimant) Beware: Disability Insurance for DCs ”
3/2007	JOURNAL of the NEW JERSEY DENTAL ASSOCIATION (JNJDA) “Someone to Lend a Hand When You're Hurting”

ARTICLES WRITTEN - 2006

12/5/06	CHIROPRACTIC ECONOMICS "Disability Insurance Dilemma...To settle or not to settle?"
7/2006	CALIFORNIA BROKER "Disability Insurance claims-An Overview for You and Your Clients"
4/2006	HEALTH INSURANCE UNDERWRITER (N.A.H.U.) “Video Surveillance & Field Investigations” Read this article in its entirety
3/2006	BROKER WORLD “Monthly DI Benefit Versus A Lump Sum Settlement” Read this article in its entirety
3/2006	LOS ANGELES DOCTOR OF DENTISTRY “Denial of Disability... A Dentist's Worst Nightmare ” Read this article in its entirety
1/2006	DENTAL CE DIGEST (Volume 3, No. 1) “Disability For Dentists” Read this article in its entirety

ARTICLES WRITTEN - 2005

8/2005	HEALTH INSURANCE UNDERWRITER (N.A.H.U.) “Pre-Existing, Prudent Man, Incontestability and Fraud Clauses” Read this article in its entirety
5/16	ADA NEWS “Disability claims for dentists” Read this article in its entirety
4/29	CHIROPRACTIC ECONOMICS “What to expect if you file a disability claim” Read this article in its entirety
4/05	HEALTH INSURANCE UNDERWRITER (N.A.H.U.) "Dual Occupations" (Individual disability policies often provide both a total and a partial (residual or proportionate) definition of disability...) Read this article in its entirety

ARTICLES WRITTEN - 2004

10/04

HEALTH INSURANCE UNDERWRITER (N.A.H.U.)
"If I Were King……An open letter to disability
marketing, underwriting and claim vice presidents"

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9/04

CALIFORNIA BROKER
"The Real Deal On Disability Insurance"

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4/04

HEALTH INSURANCE UNDERWRITER (N.A.H.U.)
"Disability Claims...Shooting From The Hip Isn't Good Enough"

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ARTICLES WRITTEN - 2003

6/03

GP NEWS (California Academy of General Dentistry)
"Someone To Lend a Hand When You Are Hurting"

ARTICLES WRITTEN - 2002

11/02

NATIONAL UNDERWRITER (Life & Health/Financial Services Edition)
"How Agents Can Help Their Clients Get Disability Claims Paid "

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8/02

HEALTH INSURANCE UNDERWRITER (N.A.H.U.)
"25 Questions to Ask Before and After Your Client Files a Disability Claim"

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ARTICLES WRITTEN - 2001

10/01

CALIFORNIA BROKER
"20 Questions to Ask Before and After Your Clients File a Disability Claim"

7/01

ORANGE COUNTY LAWYER
"Twenty Questions To Ask Before You File A Disability Claim"

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ARTICLES WRITTEN - 2000

`10/00`	`HEALTH INSURANCE UNDERWRITER (N.A.H.U.) "ABANDONMENT: One of Many Claim Management Strategies in the Disability Claims Arena"` Read this article in its entirety
9/00	PHYSICIAN'S MONEY DIGEST "Experts Decipher Disability Coverage" Read this article in its entirety
5/00	DYNAMIC CHIROPRACTOR "Disability Claims...Smooth Sailing or Nightmare?"
2/00	HEALTH INSURANCE UNDERWRITER (N.A.H.U.) "Gotcha! Disability Claims Management Dilemmas" Read this article in its entirety

ARTICLES WRITTEN - 1999

4/99 LOS ANGELES DAILY JOURNAL(VERDICTS & SETTLEMENTS) "Kill Order...It can feel like a war when an insured tries to collect on a disability policy"

3/99

BROKER WORLD"Disability Claims: Armageddon II"

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ARTICLES WRITTEN- 1998

`12/98`	`DENTAL ECONOMICS`"Murder by Proxy: Death of a Disability Claim"
`12/98`	`SAN DIEGO PHYSICIAN (San Diego County Medical Society) "Murder By Proxy: Death of a Disability Claim"`
`10/98`	`CALIFORNIA BROKER "Murder By Proxy: Death of a Disability Claim"`
`8/98`	`BROKER WORLD`"Disability Insurance: The New Frontier." 1998 DITC Research Seminar
`7/98`	`SOUTHERN CALIFORNIA PSYCHIATRIST (Southern California`Psychiatric Society) "The Disability Claim.... Smooth Sailing or Nightmare?"
`4/98`	`ORANGE COUNTY LAWYER (Orange County Bar Association) "Checklist: Finding And Communicating With An Expert Witness"`
`3/98`	`FLORIDA AGENT (The Life and Health Insurance Magazine) "Searching For Honor In The Disability Claims Marketplace"`
`3/98`	`TEXAS AGENT (The Texas Life And Health Insurance News Magazine) ''Searching For Honor In The Disability Claims Marketplace"`

ARTICLES WRITTEN - 1997

12/97	PHYSICIAN(L.A. County Medical Association) "Claim Jumpers....Disability Insurance Consultants can jump start a stalled claim"
11/97	HEALTH INSURANCE UNDERWRITER(National Association of Health Underwriters) "Gotcha!" (Disability Insurance Claim Management) Read this article in its entirety
9/97	HOSPITAL NEWS & FLORIDA HEALTH CARE REPORT "Disability Consultants Are Worth The Search"
9/97	ORANGE COUNTY LIFE NEWS (Orange County Life Underwriters Association) "The Disability Insurance Claim... Smooth Sailing Or A Nightmare?"
8/97	BROKER WORLD "Individual Disability Insurance...Charting The Course... And Other Thoughts On The April 1997 D.I.T.C. Annual Research Seminar"
6/97	CALIFORNIA BROKER "The Disability Claims Consultant...Are Your Clients Prepared For a Claim?"
6/97	THE BULLETIN (New York City Association of Life Underwriters) "The Disability Insurance Claim...Smooth Sailing Or A Nightmare?"
5/97	DENTAL ECONOMICS "Someone To Lend A Hand When You're Hurting"

ARTICLES WRITTEN - 1996

`9/96 & 10/96`	`ACTIONLINE``(L.A. Association of Health Underwriters) 2 Part article...."Meeting The Challenge And Other Thoughts On The Annual DITC Research Seminar".`
`6/96`	`BROKER WORLD``"Non-Can D. I.... Meeting The Challenge...And Other Thoughts On The DITC Research Seminar".`

ARTICLES WRITTEN - 1995

`8/95`	`NATIONAL UNDERWRITER``"Loves The Sparring Over D. I." (LETTERS)`
`7/95`	`HEALTH INSURANCE UNDERWRITER``(N.A.H.U.) "Down...but not out....Non-Can Disability Insurance"`
`5/95`	`CALIFORNIA BROKER``(N.A.H.U.) "Non-Can Disability Insurance...Down, But Not Out"`
`3/95`	`THE STATEMENT``(CALIFORNIA ASSOCIATION OF HEALTH UNDERWRITERS.) "Stupid Is As Stupid Does."`
`3/95`	`CALIFORNIA BROKER``"Individual Disability Insurance.. Tougher Times Ahead For All"`
`2/95`	`HEALTH INSURANCE UNDERWRITER``"Heads They Win...Tails You Lose"`
`1/95`	`LOS ANGELES COUNTY MEDICAL ASSOCIATION (PHYSICIAN)``"The Changing Market...Individual Disability Claim Management"`

ARTICLES WRITTEN - 1994

`6/94`	`CALIFORNIA BROKER Opinion:"Non-Can Disability Claim Management"`
`5/94`	`BROKER WORLD``From The Floor (Observations from a Broker of the Annual D.I.T.C (Seminar) The Disability Insurance Training Council's Annual Research Seminar - San Antonio`

ARTICLES WRITTEN - 1993

`11/93`	`L.A. ASSOCIATION OF HEALTH UNDERWRITERS (ACTIONLINE)- PART II "What Does the Future Hold for Disability Income Insurance?"`
`9/93`	`L.A. ASSOCIATION OF HEALTH UNDERWRITERS (ACTIONLINE)- PART I "What Does the Future Hold for Disability Income Insurance?"`
`9/93`	`MILLION DOLLAR ROUND TABLE (Round the Table) Highlights of 6/93 Boston MDRT Convention DIsability Round Table Panel`
`8/93`	`LIFE ASSOCIATION NEWS``"Your Witness, Counselor: Selling Disability to Attorneys"`
`4/93`	`BROKER WORLD``"A Barometer of the D.I. Business- The Disability Insurance Training Council's Annual Research Seminar"`

ARTICLES WRITTEN - 1992

4/92

BROKER WORLD "The Disability Income Industry... as Seen through the Eyes of a Producer"

ARTICLES WRITTEN - 1991

6/91

BROKER WORLD "Adapting to Industry Changes in the Disability Market"

ARTICLES WRITTEN - 1990

`12/90`	`LIFE & HEALTH INSURANCE SALES "The One-Interview Sale of Disability Insurance"`
`8/90`	`LIFE ASSOCIATION NEWS "Special Tactics for Selling Disability"`
`6/90`	`BROKER WORLD "Burn Out- Stressed caused Disability ...of increasing concern to insurance companies"`
`4/90`	`EXPERTS AT LAW``"Trial Stress Syndrome... Burn Out... Stress Caused by Disability"`

ARTICLES WRITTEN - 1989

5/89

BROKER WORLD "What's Hot and What's Not - A Panel Discussion on the Non-Cancellable Disability Income Market"

ARTICLES WRITTEN - 1988

`4/88`	`BROKER WORLD``"Individual Disability Income - Update in the Professional Marketplace"`
`2/88`	`HEALTH INSURANCE UNDERWRITER (N.A.H.U.) "Dare to be Different - A Simple Approach to Selling Disability Income".`

ARTICLES WRITTEN - 1987

`10/87`	`LIFE INSURANCE SELLING "Using a Different Approach in Selling Disability Income"`
`6/87`	`VALLEY VIEW San Fernando Valley Life Underwriters Association "Dare to be Different...A Simple Approach to Selling Disability Income"`
`4/87`	`BROKER WORLD "Burn Out- Stressed caused Disability ...of increasing concern to insurance companies"`
`1/87`	`GUARDIANS``"Disability Income Insurance- A Good Time to Check Out New Improvements"`

ARTICLES WRITTEN - 1986

10/86

NATIONAL UNDERWRITER "Agents Cottage Industry Nets $200,000 a Year"

ARTICLES WRITTEN - 1985

`7/85`	`LIFE ASSOCIATION NEWS``"Disability Insurance: A Time for Review"`
`1/85`	`GUARDIANS "Disability Insurance: A Time for Review"`

ARTICLES WRITTEN - 1984

12/84

BROKER WORLD "Underwriting Trends in the Individual Disability Income Market"

ARTICLES WRITTEN - 1979

12/79

LIFE ASSOCIATION NEWS "Disability Income Opened Up a Market for Me"