November 17, 2009

Dear Art;

It was the best holiday present that I can ask for this year! I got this letter from -----
yesterday.  Thanks to your help and continued support.  I couldn’t have done this without you!!!!!
I am so blessed that you are there for me, what would I have done without you?
These victories make my misery of daily pain less miserable, one less thing to weigh me down on my neck.
I can’t thank you enough!!!!!

Respectfully,

Name Withheld
MD

October 6, 2009

Arthur L. Fries
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art;

I want to thank you for doing what you do with excellence.

Art comes highly recommended by me.  I first learned about him through the many articles he had written in chiropractic publications.  I had been paying on a disability policy for over 20 years and I never expected to ever file a claim.  In 2005, I developed an arthritic condition that made it too painful to continue to practice chiropractic.  I contacted Art for advice.  I knew that the insurance company would do everything they could to deny my claim.  I also knew if every form and every question was not completed properly, it could cost me a positive outcome. To take away the anxiety and apprehension of whether I was completing and answering all the questions correctly, I knew I needed a knowledgeable consultant, who also understood my profession.

Art guided me though the entire process.  I would first complete all the forms and Art would then review the answers.  He would make suggestion on how to clearly communicate my answers based on each questions specifically. I had a successful outcome.  I would suggest to everyone not to try to file for disability on your own.  Art has the experience and knowledge I needed to help me thought the entire process step by step and reduce the anxiety that comes along with major life changes such as selling my practice and a disability.

Sincerely,

Name Withheld
D.C.

October 1, 2009

Dear Art;

I am writing this letter as a recommendation for Art Fries who has been instrumental in helping me through the Maze for disability insurance.  I am a very detailed oriented individual who has to have the I’s dotted and T’s crossed for everything.  I had discussions with Art over a period of a year as I was in denial of my disability and being a type AAA person was working in spite of consequences to my health as I felt the burden to deal with the Disability carriers to be too cumbersome.

The best thing I ever did was to work with Art’s services as he is so knowledgeable and confident in his ability to walk you through the Disability Maze.  I have been fortunate to have my disability approved, but still require Art’s expertise on a periodic basis and he has always been right on and supportive.

I am usually a very pessimistic person, but I have to give Art high marks for his ability to make you feel comfortable and confident through the disability process.  I cannot imagine having to go through such a process without someone’s expertise such as Art.

Regards,

Name Withheld
MBA

07/09/09

Dear Art,

I do not think I could ever put into words how grateful I am for your assistance in my disability insurance claim. I found your name after I had submitted my initial claim. I realized after reading some of the horror stories people have endured in submitting a claim that I probably had made several mistakes. I felt like I was in a nightmare that I would never wake up from. When I called, you immediately took charge and helped me with submitting information that helped the insurance company to understand my situation. I truly feel that it was with your guidance that my claim was successful.

I think that many professionals are unaware of the intricacies of submitting a disability claim, and it was very obvious that you are an expert at knowing the correct way to handle a claim. Insurance companies have to protect themselves and I realize that they have to be satisfied that you have a legitimate claim. You have a great deal of integrity and it is obvious that you are very highly respected in your field. I know that when you submitted additional information it was a tremendous help to relieve the anxiety that I had been going through.

You discussed your fee and it is probably the best investment I could have ever made. I truly appreciate your compassion and level thinking in a situation that could only be labeled as a quagmire.

I read every testimonial on your website and I can truly say that every single one of them, expressed the same sentiment that I am feeling. It is truly frustrating to spend your whole life doing a profession that you spent a great deal of time and money to attain and then be hit with a disability that prevents you from continuing. I know that when I took out a disability policy I thought it would be a waste. Well, life throws everyone curve balls and I was devastated that I had to end my career doing something I was good at and enjoyed.

I could go on, but I will sum this up by saying to anyone that ends up in a situation where you have to file disability, do yourself and your insurance company a huge favor by letting Art guide you through a difficult and extremely frustrating situation.
On a personal note- Art thank you a million times over for all you have done to help me in this difficult time.

Sincerely,

Name Withheld
DDS

April 23, 2009

Arthur L. Fries, RHU Lic# 0450274
Disability Claims Consultant
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art;

I wanted to send you a letter of appreciation and thanks for all your expert help in consultation, advice, applying for and receiving approval of my disability insurance claims.

After practicing dentistry for more than thirty years and being diagnosed with degenerative disc disease I was pondering my options and saw your advertisement in my local dental journal. After calling, you responded immediately, sent me your packet the next day and advised me on my options. You reviewed my insurance policies, my medical reports and helped me understand those ambiguous and somewhat confusing insurance claim forms. With your help and guidance, the insurance company approved my claim just as you said they should.

I feel so very fortunate and blessed to have had you on my side. I will recommend you to any of my peers with similar needs, and again I thank you.

Warm Regards,

Name Withheld
D.D.S.

April 13, 2009

Dear Art,

I wanted to pass along the good news that my second disability policy has been approved. As you know I have two disability income policies. The first company approved me within 90 days after I filed the claim. The second company, as you know, has been a different story. I have been receiving checks under a “reservation of rights” clause for almost a year. I recently had a field investigator, from the second company, come to my home on an announced visit. All of your advice was “spot on.” I would not have been able to answer the questions correctly without your help. Even though the questioning was repetitive to what I’d already answered in my application, the investigator was sent to “beat me up” and try to disallow my claim. Within a week, after the field investigation, I received a letter stating that “the reservation of rights” clause had been removed and the claim was approved!

To any potential clients of Mr. Fries, I’d like to give him my unreserved highest recommendation. DO NOT wade through a disability claim without Art. He is honest, straightforward, and to the point. Nowadays, it is hard to trust anyone, but I can tell you that you can trust Mr. Fries. Most of you are at a crossroads in your life. Deciding to file for disability is a major decision. Believe me, I know and Art knows. Mr. Fries has an “old-school” way of doing business…his word is his bond.

Art, I cannot thank you enough for all of your help and counseling. I hope one day to thank you in person.

Respectfully,

Name Withheld
Dentist

4/09/09

Dear Mr. Fries,

Thank you so much for your help in obtaining approval of my disability claim.  I initially had no idea of the details and documentation subtleties that had to be observed in order to expedite processing and eventual success in obtaining payment from my disability insurance company.

You were incredibly helpful in walking me through the virtual “minefield” of pitfalls that could make the difference between receiving the coverage that I was entitled to, versus being told that I had no coverage forthcoming.  The items that we covered in such detail were ultimately the factor in the benefits that I will now be receiving. The representative just informed me that I will be receiving full benefits for life.  This will be extremely helpful financially and to my own piece of mind.

You covered every conceivable part of the application itself, the proper way to fill out each item for accuracy, the way the disability insurance company thinks, how to discuss the case over the telephone with the representative, and why using the correct wordage can make or break the claim.  You were also very informative in how to pre-print some items so as to minimize the work and time I had to expend for the seemingly endless information requests made by the insurance company.

In short, I firmly believe that your help in this process made the difference between success or failure in obtaining benefits, not only with my disability insurance, but with items such as Social Security Disability, Medicare eligibility, and various areas that you and I have discussed over the past number of months.

I would highly recommend your services to anyone anticipating having to make a claim for disability benefits.  Your unique expertise is simply essential in this area.

Please feel free to use me as a reference.  Thank you again for your assistance.

Sincerely

2/10/09

Dear Art:

I hope you like what I wrote in this long overdue testimonial.  It’s from the bottom of my heart and if I were a better writer I am sure I have a lot more to say about all that you have done for me.  You truly are the one factor that has been positive in my years of ordeal with the physical pain and the dealings with _____ which have really been a huge pain in the neck.  Thank you for holding my hands and giving me the piece of mind.  Because of you, I don’t dread the letters from _____ as much.  I know you have answers for me which is a great feeling in this battle.

I am a 48 year old anesthesiologist who has had the fortune of finding Art Fries to help navigate the intricate dealings with the disability insurance company.  I have worked hard all my life practicing and enjoying what I have trained to do for over ten years. We have disability insurance but when we are healthy, we do not think that we will ever need it.  I was not prepared, I did not have the kind of disability coverage that was specialty specific which made me even more insecure.

When after my first cervical discectomy and fusion my condition became chronic and debilitating and couldn’t return to work, I not only had the physical stress of my painful situation but I had the mental stress of having to figure out how to answer to the lengthy, confusing and tricky forms that they required from me and my attending physicians.  I knew I needed help from someone that had the right background and understanding to walk me through so that I can protect my rights.  Fortunately, my husband found that person for me on his online search.

Art has been truly a God sent for me when I was tormenting over how to handle my disability claims.  He was calming and he was definitely very knowledgeable and confident about how to approach them.  Art was definitely right on about how to deal with the insurance company every time there was a new request such as FCE test and the independent medical examiner.  I know I would have made mistakes that might have been detrimental in the out come of my case, especially early on, if I did not have Art as a consultant on my side.  I have had a second neck surgery recently and Art is still helping me to maintain my confident in my fight with the disability company as my case continues to be ongoing.  I have had Art on my side going on seven years and I feel very fortunate that Art is there for me and other professionals that deserve a fair treatment when stuck between rock and a hard place. 

Sincerely

Name withheld

2/09/09

Dear Art:

In January of 2008 I underwent Coronary Artery Bypass Graft surgery (CABG).  The cardiologist and surgeon felt this was my best option because of the difficult structure of the circumflex artery of my heart.  My CABG surgery went well.  A month after the surgery I had to return to the hospital for 2 days and another surgery to close the incision that had reopened.  4 months later 2 of my vein grafts failed.  The cardiologist had to implant 3 stents in a very difficult procedure for him to perform.  After this angioplasty I started having angina both under stress and at rest.  This continues to this day.  It took me several months to realize that I wasn’t my usual physical self and most likely never would be.

When I realized that I would have to file under my personal disability insurance policy, I was very surprised at the response from my insurance agent who sold me the policy 17 years before.  She was very short, gave me the number for the claim department, said I wouldn’t be able to do any work at all and never once asked me how I was feeling.  That was my first sign that this may not be pleasant experience filing a disability claim.

When I received the claim forms they were very complex and contained many open ended question that could be interpreted several different ways.  This is when I sought legal advice.  I went to an attorney that specialized in Social Security disability claims, a man in his 60’s that appeared to be well versed in Social Security claims.  But when he looked over my policy, and claim forms, he acted like he had never seen anything like this before in his life.  His best advice, talk to your insurance agent and see what she thinks.  Now I was really concerned.

Luckily, I found Mr. Arthur Fries, a true expert in this field.  He knows the business inside and out from all sides.  He knew exactly what they were looking for with these claim forms and how to proceed precisely on every one.  He worked diligently with me line for line, form after form.  Even the physician forms can subject the Doctors to scrutiny from the insurance company, even when they think they have your best interest in mind.
I would highly recommend Mr. Fries to anyone even considering the possibility of filing a disability claim.  You are much better served by having Mr. Fries involved from the start, before an insurance agent or attorney lock you into statements you cannot retract.

My claim went through with no questions or problems from the insurance company.  The reason; Mr. Fries worked with me on every detail, no matter how small it seemed.  They were completed exactly as the insurance company wanted and left nothing open to question.

Sincerely

Name withheld

10/30/08

Dear Art:

Once again you have proven that you are worth your weight in gold!  Really, I cannot thank you enough for everything you have done for me.  Honestly, I never would have made it without you.  I am so thankful for my disability payments and I owe it all to you.

Thanks again.  I hope you have a wonderful trip across the pond.  You deserve it.

Sincerely

Name withheld

D.D.S.

August 12, 2008

Dear Art:

I hope this letter finds you well.  I wanted to write a letter to thank you for all of your help, thus far, with filing my disability claim.  Below is my story for you and others.

I was a dentist who was able to practice the specialty that I loved for eighteen years.  Due to a debilitating neurological disorder in my dominant extremity I had to stop practicing.  As you know, filing for disability is never an easy decision.  One can feel that they are all alone, but in reality they are not.

At first, I struggled with how and when I would file for disability.  I thought about “pushing the envelope” to work.  In this day of increased medical liability I didn’t want to risk my family’s future.  After a lot of research, I met a friend who was a former client of Art Fries.  This friend gave me a lot of advice and encouragement.  His last piece of encouragement was, “Call Art.”

I was excited to have a beacon of hope.  When one goes through the disability process there are a lot of questions and unknowns.  I called Art and right away I was put at ease.  Art is very calm, articulate, and a good listener.  I found out Art had been through this personally and has walked with 600+ others like me through the disability process.  It is very comforting to know that you are going to “battle” with a seasoned veteran.

Art walked me through all of the forms and made corrections as needed.  My applications were filled out correctly – the first time.  Art is very serious when it comes to fraud.  The application that is submitted will have no hint of fraud.  My forms were filled out so well that I didn’t get one question about my applications.

I now have three policies with approval and am waiting on full approval on another.  I know that I will need Art’s service in the future and feel very secure that he will always be there.  The fee he charges is very reasonable and he doesn’t “nickel and dime” his clients.  Art garners my unequivocal recommendation.

In conclusion, I would like to thank Art for his past and future help.  With 600+ clients, you must have many friends and I hope you count me as one of them.  To those filing for disability, my encouragement is to keep your heard up and call Art!

All the best

June 6, 2008

Dear Art –

I hope this letter finds you and finds you well.  I am embarrassed by the length of time it has taken me to put pen-to-paper, but here we are.

Every month I give thanks for having met you.  Your compassion, understanding, direction and support proved, and continue to be proven, invaluable.  You were able to keep me “on track” in the disability process – and I do mean process.  I very much appreciated your “hand-holding” me throughout the form filling out process.  Your fee was so very fair for all you did and do.  Again, I thank you for everything.  I appreciated the stress relief you offered by your insights into the process.  I also appreciate the fact that even seemingly after the “acute care” had been rendered, you are still available for “chronic” and “follow-up” care as needed.

Arthur, you are a jewel.  You are part psychologist, attorney, and father.  Your friendship is felt and appreciated.

Hoping this finds you well and happy.

All the best –
M.D.

P.S. By the way, the last 3 numbers of your 800 phone number say so much about you and what you do for the professionals – 911.

May 15, 2008

Hi Art:

I am writing to you with thanks for all of your help with my disability insurance claims.  When we first spoke I had no idea how rigorous and repeatedly frustrating the whole process would be.  From the first, you began laying the foundation that I would rely upon for many months.  In addition, your advice at each step proved invaluable.

The easiest company to deal with was […].  Aside from the usual exhaustive questionnaires, their process was very straightforward.  Of course, your tips and advice about some of their tricky questions expedited the process with them and I never had to deal with repeating applications.  All in all, the process with them was made simple by your advice, and aside from periodic requests for updates, the process with them has become rather uneventful.

I found […] to be a very challenging company to work with.  Fortunately, you advised me thoroughly before I began the process with them.  They have the most demanding format, requesting volumes of proof, pages and pages of questionnaires and endless documentation.  Again, you walked me through the process, and in the end things worked out well.  Early on, I remembered your advice about the people who work for them—they are just doing their jobs and the best way to deal with them is to always treat them with respect.  That worked to our mutual benefit.  To this day, they continue to be demanding, but working with them is manageable.

And finally, there was Social Security Disability.  They have layers of bureaucracy covering a system totally different from all the others, from application, to documentation, to the structure of their forms, even the physical exam.  Stated simply, the SSDI system is from a parallel universe.  That said, they did come through with benefits for me.  Struggle is a worthwhile if it turns out to be beneficial, and for me it worked because I had a fine coach.

At a time of great distress and uncertainty, when questions of economic survival were very real, you helped me through a very challenging process. Yes, I worked my tail off for months to get my benefits, but I really don’t think I could have gotten any of them without your help.  Art, I can’t thank you enough.

Sincerely

April 3, 2008

Dear Art,

I am writing this letter to thank you for your help and guidance through the process of navigating the disability insurance minefield.  It is bad enough dealing with whatever led to your medical disability, and the inherent stress and strains on the individual and their family, let alone looking forward to dealing with an insurance company that holds your financial wellbeing in the palm of their hand.

Your frank, pointed review of my policy was invaluable in understanding what I could truly expect from the insurance company and helped prepare my family for the financial realties at hand.  Your guidance in how to appropriately prepare my application also led to a rapid approval of my disability claim and the peace of mind that has ensued.

Without reservation, I would most strongly recommend anyone considering a disability insurance claim to seek Art’s counsel.  Without his help, I am certain I would still be flailing along the application process in a sea of questions and uncertainty.  I would have inadvertently filled the application out incorrectly and jeopardized my entire claim.

Thanks again for your help and friendship.

Sincerely,

M.D.

March 20, 2008

RE: Art Fries

My specialty is General and Vascular surgery.  I have been in private practice in the ______ area for the past 20 years.  I recently became disabled on November 5, 2007.

I have had a long-standing relationship with Art Fries.  He comes highly recommended and I have known of his excellent work over the years.  He and I had spoken back and forth on many occasions over the years and I knew if I ever needed help in the disability arena he would be the man.  Once I became disabled, I immediately contacted Art.  Art delineated all the procedures I would have to go through and the steps I would have to perform in order to file my disability claim.  Art has taken me step by step and helped make this unfamiliar and tedious process effortless.  Art has truly become a great friend.  He is extremely knowledgeable in this field and is a great human being.  You are totally safe with him.  He worries about you.  He is always available to answer any questions you may have and always returns calls promptly.  He really is a tremendous man.  I can’t speak highly enough about Art Fries and how he helped me in a time of need.

If you have any questions regarding Art Fries, please feel free to call me directly on my cell phone.  Art will give you that at his will.  Again, I highly recommend retaining Art Fries if you ever find yourself facing a similar situation.  This is an arena where doctors in general are very unfamiliar with the territory and by retaining his services it will make the process flow smooth, effortless and you will start receiving your disability benefits in an uninterrupted timely manner.  This will allow you to focus on your recovery and will ease the financial burden that comes with being disabled.

Sincerely,

Name Withheld

March 13, 2008

Dear Art,

Thank you for your help.
Dealing with those forms is not
as stressful with you behind me.
You don’t know how many times
I thank my sweet husband for
Finding you on line.

Sincerely,

Name Withheld,

March 4, 2008

I am a 58 year old Family Physician who sustained a quadriceps tendon tear on a wilderness canoe trip in 2005.  Little did I know that this would lead me down the road I am currently on.  After returning from Canada I had my tendon repaired, and subsequently had a post-operative complication  (my knee buckled and I fell, catching myself on my kitchen counter and fulcruming on my rib/spine) which has been a devastating problem ever since.

I had been paying faithfully on my two disability policies for nearly 20 years, never thinking I would use them.  After a year of seeing a physiatrist (in addition to 3 subsequent knee repairs and a staph infection), who did numerous procedures on my back, including facet injections and Radio Frequency Ablation of  nerve levels, he recommended that I should consider myself disabled and apply for disability benefits.

Actually I initially contacted my long-term attorney and friend, who was a physician who had become disabled, and she recommended an attorney who handled these kinds of cases.  Instead, I called the agent who sold me one of my disability policies and he checked with the local “guru” about who I should seek for assistance, as I wanted to avoid attorneys and the courts as much as possible.  Art Fries was recommended.

I was dumbfounded when I called Art and found out his fees.  Looking back over the last 1 ½ years it was the best decision I could have made.  I have had a few legal encounters (divorce, arbitration for settlement of leaving my practice) and found them to be much more costly and difficult.  Art has successfully helped me avoid the legal and court system and, I’m sure, has expedited the process. Within months I was approved by my disability carrier and began receiving payments.

Art has provided outstanding support and service. He is one of the most careful readers I have encountered, meticulously reviewing all of the documents I’ve sent to my disability carrier and giving advice that has kept me from making mistakes that probably would have led to a legal hassle.  I have had to submit monthly paperwork (cover letters, Claimant’s SUPPLEMENTAL STATEMENTS with ATTENDING PHYSICIAN STATEMENT) which Art has carefully reviewed beforehand and made corrections so that I would not be digging a hole for myself. It has been a long process and I am sure that, without Art’s help, it would have been much longer and adversarial.

Art has not only carefully reviewed my paperwork, but has “nailed” me throughout our paper and phone interactions.  He knows how to read people.  His advice has been extremely appropriate, considering all of the “soft” factors of this process (denial, optimism, insurance games, etc.).  I continue to consult him when something new comes up.  He is currently helping me weave my way through the Social Security disability application process, along with continued submissions to my private disability carrier. 

I wouldn’t go through this process any other way.  Art’s experience, careful review, expert advice, and personal caring have been essential and much more than I expected.

I highly recommend that anyone going through this process consult Art Fries.

Sincerely,

February 25, 2008

Dear Mr. Fries:

Thank you very much for your indispensable help with my unique disability issue.  In 2006 I made a claim for partial disability extending back to 1999.  My view was that my partial disability was the cumulative affect of four separate medical problems that arose independently over a three or four year period.  Even though my partial disability was supported by my medical records, it was clear that I needed help to properly answer the arcane questions on the insurance forms.

The consensus of other physicians and insurance professionals was that you were the person to contact.  The end result was that your advice and recommendations enabled me to provide the insurance companies with the information they sought in the proper format.  It took almost two years, punctuated by numerous telephone conversations and letters from me, to get the benefits that my policies were supposed to provide.  There is no question that I could not have accomplished that without your help.

I certainly would recommend your services to anyone applying for disability benefits.  One should not embark on a project like that with the expectation that an insurance company will start paying benefits as soon as the forms are filled out.  My experience is that insurance companies frequently make it quite difficult, requesting information above and beyond the fist line of questions on the first set of forms.  The subsequent requests, in essence, become a veritable minefield.  Any misunderstanding of the questions, incomplete answers, or errors in answering are likely to delay processing of an application at best, and at worst, they might nullify and application.  Again, I could not have accomplished what I did without your guidance.  I am comfortable recommending your services without hesitation.

Sincerely,
Name Withheld,
M.D.

October 12, 2007

Dear Art Fries,

I just wanted to let you know how much I appreciated all you have done to assist me in getting my disability claim approved.  Your expert guidance made a huge difference.  When I first contacted you, I didn’t know where else to turn.  I had considered hiring an attorney but now am very thankful I found you instead.  I really appreciate your attention to detail and your vast knowledge of the whole disability insurance industry.

After working as a dental hygienist for 33 years, I reached a point where I could not continue working.  I assumed that since I was in pain and could not perform the duties of my job, I could just file my claim and collect my benefits from a company I had been paying premiums to for many years.  Dealing with my insurance company has been a real eye-opener.  I realize now that it is not that simple.  They are not on my side! The process of filing a claim and the continuing onslaught of paperwork can be daunting.  You scrutinized every form I needed to fill out and gave me lots of good advice.  You explained all the details of my policy in a language I could understand and answered all my questions.  You reviewed all correspondence I received from my insurance company as well as all correspondence I was about to send to my insurance company to insure that I was using the right language and terminology to best explain my situation.  You educated me on how to communicate with my claims adjuster and doctors.  You always returned my calls in a timely manner and took the time to explain every step I needed to take.  And most importantly, you gave my peace of mind at times when I did not know how to proceed.  Applying for disability benefits has been much more stressful than I anticipated.  Besides dealing with my illness and continuing symptoms, it has been emotionally difficult not knowing if I would receive my benefits.  Now that I am receiving benefits, I still worry that they will not continue.  Knowing that you are there to assist me has really eased my stress.

Thanks to you, I am now receiving my full disability benefits.  I realize I still have a few challenges ahead, such as an exam by the insurance company’s doctors, probable surveillance and continuing paperwork.  I feel so much better about facing these challenges knowing that you will guide me through them.  I could not have gotten where I am today without your help.  I look forward to working with you in the future as my saga continues.  You truly are an expert in the filed!

Thank you so much,

Sincerely

Name withheld

August 22, 2007

Dear Art,

I want to write you a letter to thank you for your help with my filing of my disability claim.

I am a General Dentist who was practicing in California at the same location for over 27 years.  I had built up my practice through the years and I had hoped to retire at around age 65.  All of this changed after my accident.  About a year ago I fell and damaged my hands.  I went to many doctors and tried many things in order to continue working.  My pain increased until I finally sold my practice in May.  I thought that I could advise my disability carrier about my accident and that they would start paying me benefits.  I soon learned that insurance carriers have made the payment of benefit an extremely complicated procedure.

I had read an article in a dental journal about you and how you had helped many providers obtain benefits from their insurance carriers.  I called you and you responded immediately with a wealth of written papers and patiently answered my questions by phone.  I knew that I was a competent Dentist and I could handle most any complicated dental procedure as well as dealing with insurance carriers at work.  I soon learned that I was not able to deal with the insurance carriers for disability benefits alone, without your help.  You have years of experience and guided me every step of the way.  I received my first disability check just a few weeks after I had stopped working.

I still need your help for the future, since I am still getting requests for information for my insurance carrier.  I am at ease now that I know you have helped me get my benefit payments each month and also that you are still available to help me for what ever requests that my insurance carrier may ask of me.

Art, I do not know of any other company or individual who provides the type of service that you do.  I am so fortunate to have you on my side.
Thank you again for everything!

Sincerely

Name withheld

May 25, 2007

Dear Art:

I don’t know if I can say enough about how you have guided me through the unbelievable maze that the disability claim procedure presents.  Having to end your career as a practicing D.D.S. after 27 years due to arthritis was emotionally hard enough, but I never thought I would have to go through what I have for the past 10 months with these insurance companies.  If it wasn’t for you taking my hand and leading me along each step of the way I know I would have been in real trouble.  We still continue to fight for some of the benefits but you have an appropriate answer to every door these companies try to shut in our face.  My wife and I both thank you for your outstanding knowledge in the filed of disability claims and also for being available to answer all our questions no matter what day of the week it is.  I know that every other professional that seeks your help will find the same security I have in knowing that they are not alone in this process.  I have definitely become stronger in my handling of these companies through your coaching.  I hope you will let new clients who contact you in the future know my feelings.  Thanks Art, you are the best.

Sincerely,

Name Withheld, D.D.S.

April 9, 2007

Dear Art:

I am so thankful I read your ADA News article in the May, 2005 issue, about your services to the professions—helping disabled dentists, physicians, and attorneys receive their benefits.   I became disabled from dentistry after 3-plus decades and you gave me and my family a life after dentistry!

            Art, you were kind, compassionate, encouraging and totally wonderful in providing me the confidence and knowledge I needed to obtain disability benefits in a timely manner—all with a minimal amount of mental anguish—what an answer to prayer!  You assisted and directed me in a professional manner by well-planned phone conferences on all the rigorous steps in submitting the numerous, complicated insurance inquisitions and claim forms.  Within five months of having first talked with you, I was receiving total disability benefits from clinical dentistry!

            Whoever reads this, remember, ask Art to assist you “early on” in your disability! He will inform you before-hand what your chances are for receiving disability from your insurance carrier.  Art’s fees are very reasonable for the return on your investment!  The retainer check I sent Art was the most profitable investment I will ever make!  What a blessing Art has been to our family!  Art, may God Bless you always!  You will forever be special to us.

Signed,

Anonymous by Request

April 7, 2007

Arthur L. Fries, RHU
225 Via San Remo (Lido Isl)
Newport Beach, CA 926611-5511

Dear Art:

I wanted to write this letter to you for sometime as a matter of appreciation.  Over the past few months I have worked with you and have seen corners of your work and your personality which indicates unique qualities of a professional and caring individual.

Throughout more than 30 years of professional work in major universities, on both coasts, and working with unclassified teachers, professors, and surgeons, who had patients coming to see them from every corner of the world, and also lawyers; I have seen very rare individuals who stood a head and neck above all because of their work and professionalism, and care.  You are just amongst these very few who if you count them, they would be less than the number of your fingers.

You carefully and painstakingly looked and read all the paper work that I had in detail, and diligently, and discussed them with me.  You discussed consequences of all and various options and possibilities that could have taken place.  And naturally I was grateful to you for your professional consultation and work.

I have no doubt that no one could do what you do with the detail that is naturally built in you, and perhaps that is the reason that your clients are very happy with your consultations and work.  I wish you luck and health and happiness.

With my very best regards,

Name withheld, MD, FACS

March 20, 2007

Regarding Arthur Fries

To Whom It May Concern:

Mr. Fries is a very interesting human being.

Professionally, he is knowledgeable, complete and careful.

Personally, he is warm, empathetic and always available when you need him.

Financially, he is more than “worth the cost” (an offhand suggestion resulted in additional payments of more than $20,000).

I really do not see how you can go wrong.

Hire him,

Sincerely,

Name withheld, MD

February 12, 2007

Hello Art

I am writing to you to let you know how much I appreciated your assistance with my disability claims.  I had no idea when I started the process how intricate and convoluted the paperwork would be.  I had no idea what my policies REALLY said.  You walked me through the whole process with ease and I got my disability checks right when they were due me.  Each of the very few times I actually spoke with the case worker, she would tell me that I was about 12 steps ahead of them!!  That was a great feeling! Actually, I could not have been in better hands than with you.  You had the practical knowledge and experience that made me feel so at ease with the process and SO prepared for anything they could possible throw at me.  Definitely, because of your expertise, I was able to sleep at night AND have a successful result to my claim.  I also appreciated your input regarding my Social Security Disability claim.
Art, it was so comforting to know I could call you at any time with questions and know you would either answer them right away or get back to me quickly.
You’ve been a great asset and I will recommend you to any and all who need your type of care.

My appreciation to you….

Name withheld, DDS

January 22, 2007

Hi Art…

I can’t say enough about your disability insurance consulting service.  Your help with my insurance companies and four policies, not to forget Social Security, took a mind boggling process and made it as painless as it could be.

Your knowledge and understanding was always to the point, timely and effective as I had no redoes, repeats, reprocesses or problems with even one question.  You were even there for me when I needed advice on finding an appeals lawyer for the Social Security disability process.

I hope you have raised your fees after me you deserve it!

Much thanks and appreciation….

           
Name withheld,
D.D.S.

January 5, 2007

Dear Arthur:

            What a pleasure it has been to work with you concerning my disability policies.  From the moment we began to discuss what procedures were necessary to accurately reflect my disability, it was obvious that you were “The Man” I had been told about and needed.

            I immediately felt assured of your knowledge of the disability insurance industry.  You immediately made me feel you had done this successfully before and that you would and could do it again.  Your thoroughness was reassuring.  From the first moment, you took charge of the process and walked me through each stage with ease and grace.  I never felt any anxiety or confusion as to what and how I needed to deal with the insurance companies.

            It was reminiscent of how I would care for my medical patients when I was practicing.  I was the Medical Doctor and had the knowledge to help them.  You, in essence, was my Doctor for Disability Insurance.

            You explained extremely thoroughly and clearly what I was to do, what I was to expect and that I could contact you anytime there was any question.  You totally lived up to my expectations and I never was disappointed.

            I am pleased to confirm that all three of my disability companies have agreed to full disability.  All this was accomplished in the time frame you told me to expect and also without any hassles from the companies.  I attribute this to your excellent advice concerning the proper filling out and filing of the insurance claims.

            So again, I thank you totally.  You are a “Mensch.”

Name withheld,
MD

Art Fries, RHU
225 Via San Remo
Newport Beach, CA
92663-5511

December 27, 2006

Dear Art,

            I can’t begin to thank you enough for your help in navigating the disability claims procedure.
            I had asked a friend who is employed by a major insurance company as workmen’s compensation adjuster for advice on how to proceed with the initial filing of my claim.  He recommended that I call a specific local attorney to represent me.  He said that insurance companies take the claim more seriously when an attorney is involved, because the attorneys know what the “rules” are, and attorneys are easier for them to deal with than directly with the insured.  I called the attorneys office.  They were quite busy, and I felt that I was an imposition upon them.  When I did speak with the attorney, he referred me to another attorney that he thought might know more than he did.  When I spoke to the second attorney, he did not seem to have any specific knowledge of the disability claims procedure, but would be happy to set up a fee schedule, plus percentage of any benefits that were collected by me.  He would then proceed (on an hourly basis) to try and educate himself about a procedure he was not familiar with.  My friend had good intentions, but his recommendation of hiring an attorney did not seem appropriate.  It made sense that an attorney should be involved if there is future litigation, but not for the claim application procedure.
            I would have to say that I was quite apprehensive about calling you the first time.  I found your information on the internet, but was reluctant to share my information with a person that I did not know at the time.  Before calling you, I spent a lot of time doing Google searches for any good or bad information on you. Nothing bad showed up, so guardedly, I decided to at least call you.
            Well, I was at ease with you from the first time that we spoke on the telephone.  It was very obvious that you were an informed expert on the claims procedure.  I also had concerns that my “internet connection” might be involved with some type of dishonest tactics to try and get the claim approved.  I knew from our initial conversation that this would not be the case.  I understood from the start that your abilities to help me involved providing the insurance company with complete information in an understandable format.  I was later to learn that the “one size fits all” claim forms really need to be supplemented with information specific to my situation.  If I did not have your help, I probably would have just filled out the claim form, as neatly as possible, and would have omitted a lot of pertinent supplement materials.
            In the first phase of our relationship, you did a complete review of my policies, and provided me with a synopsis of each policy.  I appreciate the time and energy it took to undertake the tedious task of going through each policy, line by line.  No matter how long I spent doing this, I did not have a good understanding, as I am not familiar with all the terminology contained within the policies.  With the abbreviated information you provided me with, I could better understand my benefits.
            It is always good to have any written correspondence reviewed by another person.  There is no way that the writer can objectively review his own correspondence for the content that will be read and understood by another person.  Of course, the best thing is to have the materials review by another person who is also an expert with the topic at hand (Would you have your college thesis reviewed by an attorney before you present it to the committee? No, you would have it reviewed by an expert on the subject of the thesis).  Your review helped to clarify, add where there was incompleteness and scrutinize some terms/language which may be misconstrued.  How could a person possibly do this by themselves, or with a friend who might be an English teacher?  Application for disability benefits is not the time to try one’s hand at “amateur hour.”
            After the initial claims process, I had an approval, and a denial.  We both knew that the basis of the denial was not valid.  With your help, I was able to provide the insurance carrier with additional, irrefutable information.  Within a week of presenting this information to the insurance carrier, they sent me a check.  I am continuing to receive monthly benefits, as the claim has the status APPROVED!  There is life after a denial, and it does not necessarily involve the tedious, lengthy and expensive process of litigation.
            I am currently receiving all of the disability benefits that I was eligible for at the time of disability, and I am confident that my benefits will continue without future altercations with the insurance carrier—thanks to you.
            Of note: I did pay a “Practice Transition” company about $8,000 for a practice evaluation, which was supposed to include an evaluation of my insurance policies by their  “noted expert” in the insurance field.  He gave me advice that made no sense whatsoever.  I still have emails of our correspondence.  Upon review, the advice given in the emails has been proved to be absolutely incorrect.  A waste of $8,000, but the results would have been absolutely disastrous if I had followed their interpretation of my policies.
            I appreciate your timely attentions to my needs.  I have always felt that you have given me your complete attention.  I also have an appreciation for the fairness of your billing procedure, and the detail that was provided with the billing for your services.
            As an added bonus, I have always felt you cared for my welfare in receiving the disability benefits that were due me.
            Best wishes to you for the future.  I wish you a long, healthy and happy life.  You have certainly helped me to look forward the same!!
With much gratitude,
Very sincerely yours,

Name withheld,
D.D.S.

November 1, 2006

Dear Art,

I wanted to take this opportunity to thank you for helping me find my way through the disability insurance maze.

After practicing dentistry for over 30 years, I just could not physically go on any longer.  I knew that I had a valid disability claim supported by MRI’s and nerve conduction testings, but I wanted to make absolutely sure that I did everything correctly as far as dealing with my insurance carrier.   That’s where you come in.  Your help, understanding and expertise were indispensable.  You not only helped me to better understand my policy and it’s benefits, but you helped me present my claim as a clear and organized package making sure that I did not “negatively prejudice” my claim in anyway.  Because of this, the process was much smoother than I had expected.

I have always surrounded myself with the best professionals available.  When it comes to knowing disability…..you’re the best!!!

Thanks again,

Sincerely

Name withheld,

D.D.S.

September 15, 2006

To Whom It May Concern:

You are probably reading this in a packet received from Art among a bunch of other letters that tell you how helpful he has been.

They are all true.

Like you, I was hesitant to pay $$$ to a stranger when I could probably fill out the forms myself, since I had nothing to hide and can read and write plain English.

Boy, was I wrong.  The insurance companies do not seem to use the English language as I learned it.  Art guided me every step of the way so I could present my case honestly, truthfully, and most importantly in a manner that was unmistakably clear to the insurer.

So clear in fact, they started paying my claim last year, and with Art’s guidance they agreed I was qualified for residual disability payments before the date I even contacted them!

Without Art, I wouldn’t have known how to ask….This alone paid for Art’s fee!

You may have seen on 60 minutes, or in the news not too long ago how the insurers stacked the deck against honest claims.  An expert consultant like Art is not optional…he is critical for your success.

Art is a true professional and helps in a manner akin to a favorite uncle; telling you the truth, guiding you, and being there when you need him.

You will need him, and consider ourselves fortunate we found him!

Sincerely

Name withheld,

July 13, 2006

Dear Art,

I’ve been meaning to get this short thank-you note off to you.

When I first contacted you, I was really very worked up over what could happen in my dealings with ------------- given their appearance in several news stories several years ago.  Even though I was in severe shoulder, back, and leg pain, and my vision was failing, I was still very apprehensive about filing a disability claim!

It took a while before we actually started working together.  It seemed strange to me, as a detail person, to not have a contract of some sort.  But you stuck with me through that nonsense.  You even gave me some significant ideas on what to do before we made that final decision to actually work together.

Boy was I wrong in thinking a contract was needed.  It is very rare in this day and age to find “true” and “real” people that you can be comfortable with on a handshake (& over the phone!).

You are a special person.

You worked very hard and took a deep interest in me, your client & telephone friend, doing your best to be sure no mistakes were made in filing forms & dealing with the insurance company.

I was expecting the worst from the insurance company.

Then almost two-and-a-half months after the disability claim was filed, I received a letter from them saying they reviewed my medical conditions and under the provisions of my policies they consider me totally disabled.

I called you about the letter, and asked what do I have to do next.
You said that’s the letter we’ve been working for and waiting for!

You made the hard work go so smoothly that receiving the insurance company’s approval letter was anti-climatic.  Thanks to your help, It could not have gone better.

If I had to do it over again, the only thing I would change is getting together with you even sooner!

Sincerely,

Name withheld,

July 3, 2006

Dear Art,

You are the light at the end of the tunnel!!
God Bless You!

Sincerely,

June 29, 2006

Dear Art,

I wanted to hold off sending you a thank you note until I got my final determination from SSA but they move so slowly I decided to send you a note today.  I just finished completing two miserable sets of forms for them and I thought of you.

I know your service does not include direct consulting with respect to SSA but the advice and technical papers you passed on to me over a year ago are still very helpful today.  I refer to them and the notes I took in our telephone conversations every time I complete anything for them.  You should also know that I am represented by a fine legal firm ------ in my quest to obtain a final determination from SSA for disability but your advice and guidance is still paramount to me.

I must have been one of your easiest cases ever.  To refresh your memory, I was a Corporate Controller in Finance and Accounting for a large conglomerate of manufacturing companies around the world until I had my heart attack.  You guided me step by step through the process with my company’s short-term and long-term disability administrator all the way until I was awarded long term disability.  I especially appreciated the attention to detail you paid as you reviewed every form I submitted.  I also enjoyed your guidance during our telephone conferences.  I still refer to the notes I took.  In my case, everything happened exactly as you foretold it would right down to the very last detail without a single glitch.  It was as if I was playing a game of chess with the Long Term Disability Administrator and you were telling me what moves to make.  Of course, with you on my side there was no contest. 

Although my case may not have been a very difficult one and perhaps I could have done it myself, I would not hesitate to engage your services again.  This process is deceptively difficult and dangerous.  Without the help of a professional like you, a person can easily write or say the wrong word and that is all it takes to deny a claim.  It is very similar to someone in trouble with the IRS.  Being a financial person, I would never recommend anyone take on the IRS without professional representation.  In the disability domain you are clearly the best professional expert in the United States.  Because of your experience, your counsel, your one on one hands on guidance, my stress level and fears were significantly reduced.

The best recommendation I can give anyone is to say that if any glitch comes up in the future with regard to my Long Term Disability program through my former employer, I will simply pick up the telephone and retain your services again.

Please feel free to share these comments with anyone.
Warmest Regards,

Name withheld,

May 30, 2006

2005 was the most difficult year in my life.  After practicing dentistry for almost 30 years I was forced to sell my practice due to a disability.  Having a disability policy, I began to search the internet for help in the completion of the claim forms.  What I found was one horror story after another from professionals having their claims denied.  I knew at that point I could not do this alone.

It was at that time I read an article in one of my professional journals regarding Art Fries.  My wife and I called him immediately and after talking with him we knew that we had found the right help.

Art made a difficult process easy and believe it or not enjoyable, because of his expertise and personality.  He had the right answer for every question and as the saying goes, he has “been there done that” countless times.  Art was available to us seven days a week whenever we needed him.

With his help we knew that when we filed our claim it was complete, accurate, worded correctly and so thorough that the next contact we had with the insurance company was the approval of our claim.

You have one chance to do it right and save yourself a lot of anguish and headaches.  We can honestly say if you are filing a disability claim DO NOT file unless you have talked to Art Fries! He is certainly worth many times his fee!!

May 3, 2006

Dear Art,

I am very fortunate that my husband found you in internet back in 2003 when I was stressing with my disability claim.  Without your guidance thus far, I would have been totally at a loss and the result of my case wouldn’t be what it is today.  No matter what happens from this point on, I feel I can deal with what they are trying to do to me much better knowing that you are just a phone call away and that you understand my predicament and are supportive and sympathetic.  It is REALLY difficult to deal with them especially when I am hurting as I do everyday.  The pain is draining enough but the mental gymnastics that they are making me go through is sapping whatever ounce of energy I have to the basic minimal duties such as trying to be a good mom to my eight year old son.
I have a piece of mind knowing that you will continue to be there for me.  I greatly appreciate your help thus far and look forward to your support as I am entering a tougher stage of this battle.
I can tell anyone faced with the similar situation that what you offer your clients is absolutely priceless!
Thank you again and again.

Sincerely yours,
M.D.
Name Withheld

April 11, 2006

Dear Art,

It is my pleasure to write a letter of reference for Art Fries.  I was a surgeon with a busy practice who developed several medical problems including a tremor.  This left me unable to do surgery as well as unable to work in the office.  I was very upset about having to declare myself disabled and file for insurance coverage but felt it was the best thing for my patients and myself.  I was referred to Art by an attorney and to this day am very glad I hired him. From the very first conversation I felt comfortable talking with Art.  He has an easy going demeanor which makes opening up to him natural.  He is sensitive to the severe emotional  reaction in a physician has when contemplating a move of this nature.  In a way its like falling off of  a cliff and stepping away from a security net as well as a way of life that you have become accustomed to for many years.  It was one of the most difficult times in my life.
Art always acted in a professional and honest manner.  He was straight forward in his dealings with me and never pulled any punches.  I understood what I was up against with the insurance companies.  They used every tactic in their possession to trick either me or my physicians into a vulnerable position.  I followed Art’s direction to the letter.  Every form, every conversation with agents, every response to their letters was first cleared through him.  The bottom line was that I was able to obtain full payment for my case which included time before I officially left he office!  Art did not even have to “surface” to be in direct contact with the insurance company.  My record was so convincing and well put together that it became obvious to them that they had no chance of denying this claim.  As Art put it he simply painted the most appropriate and convincing picture out of the facts I provided.  This involved not only providing the information they requested (being appropriately brief as well as verbose when the occasion arose) but also submitting additional material not requested to support my claim.  I never would have known to do these things without Art and frankly do not think I would have been successful on my own.
I am writing this letter many years after the initial claim and can attest to the fact that I continue to collect benefits without a hitch.
It has been an enormous psychological relief to know I always have Art on my side if I would ever need him in the future.  I regularly call him to say hello, send annual gifts, and welcome him in my home at any time.  One time I picked him and his wife up at the airport to drive them to an event they had in my community so they would not have to take a cab.  I consider him a friend for life and have spoken to several potential clients on his behalf.  I have no doubt that if I were to run into any difficulty in the future Art would stand behind me with the most effective strategies and advice.
If you are considering filing a claim for disability please consider that this may result in the payment of money to you for many years totaling many thousands if not millions of dollars.  Art’s fees are truly a bargain when looked at in that light.  You will be getting the advice of a unique professional that few if any in the country can equal.  Don’t forget, unless you are quadriplegic and on a respirator in intensive care, your claim will be vigorously challenged by the insurance company and you need guidance.
Attorneys do not have the knowledge or the motivation to help like Art does and any advice I obtained from them at the time I was filling out my application was not quite as good as that obtained from Art.

Sincerely yours,

April 10, 2006

Subject:  Disability Insurance Claim

Dear Art,

It has been quite a while since we have talked.  I wanted to take this opportunity to thank you for all the knowledge, advice, support and kindness you demonstrated during the initial application period of my disability claim.  I absolutely could not have made it through the maze of confusing papers and mental stress the insurance company tries to put you through in order to deny the claim.  Many told me that even though my claim was legitimate I would never collect.

I have been collecting a monthly check now for over 2 years.  I know without your step-by-step guidance this would never have happened.  When I applied for my SSD I followed the same advice.  Even with their IME Dr. that indicated I could work, they decided in my favor.  I have now received SSD for a year including retroactive payment for the year before.  However I have found that they never stop with their reviews of my disability claims.  I am having an increased amount of anxiety over this and I know you’re the only one that can help me.

I have told everyone about you.  I strongly recommend you to anyone who even thinks they may need help with their claim.  Thanks again!  You’ll never know how much you are appreciated.

Sincerely yours,

April 4, 2006

Dear Art,

After a greater than 2 year history with Arthur I have chosen to write this letter in hopes it may benefit others with similar concerns or circumstances.  As an individual always in pursuit of efficiency you will find this letter brief and to the point.
With a 30 year career as both a Veterinarian and an Orthopedic Surgeon I have had both personal and professional interactions with disability claims.  Watching patients deal unsuccessfully with their claims did not serve to alert me to pitfalls when I filed a claim of my own years ago for a now unrelated condition.  Much to my disappointment the validity did not prevent the insurance carrier from legally forcing my claim to a premature end.
Reentering the work force years later I found it necessary to consider another claim.  This time I researched my options prior to filing and fortunately came across Arthur Fries.  Contact was made and after a thorough and detailed Q&A interview I retained his services.  All financial details were given in advance and have proven to be worthy investment.  My claim, again a valid one, submitted to two companies has continued to flow through channels without problems.
Arthur was always available in a timely and professional fashion to be certain that all claims work was filed in a pristine manner.  As I have become more experienced our phone calls have decreased in time needed as his vast experience has educated me requiring fewer corrections before filing.
I have no reservation recommending his services to a professional seeking help with legitimate claims.  It is upon yourself to follow his advice as it will guide you through the maze of insurance denials with minimal delays from the claims office.

Sincerely yours,
Name Withheld

March 20, 2006

Dear Art,

We want to thank you for your professionalism and excellent advice that you have provided to our office on many occasions resulting in successful progress on our matters.  We did not anticipate such benefit from your advice and certainly you exceeded our expectations.  It is obvious that your experience and wisdom that you bring to the table exceeds those generally contained by a lawyer. We have no hesitation in recommending you to others.

We look forward to making you a member of our team on any and all such cases as they develop in the future

Sincerely yours,
Name Withheld
Trial Attorney

Sincerely

Name withheld,

March 24, 2005

Arthur L. Fries
Disability Insurance Claims for Attorneys and Physicians
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art,

I wanted to take a moment and thank you for your help and support during the process of acquiring my disability benefits. I feel your guidance through what appeared at first to be some extremely daunting obstacles, was reassuring and ultimately very beneficial. I feel as though the investment was well worth the benefit of having a mentor to help me make good decisions and communicate most effectively my current situation. You were always very attentive, and returned my calls almost immediately. I will have no problem in referring you to anyone else facing the gauntlet that large insurance companies place before us. In fact, I already have referred an associate to you.

Thank you again for all of your assistance.

Warm regards,
Name Withheld
DDS

Most Sincerely,
Most Fondly,
Name Withheld

October 26, 2004

Dear Art,

Without a doubt, the best use to which I’ve ever put my home computer was the Google search that gave me your name. When I first developed symptoms in early 2003 that would make me have to stop performing endoscopic procedures several months later, I was unsure of the diagnosis. But I was sure that I would end up having to make use of my disability insurance policies. A friend in my field of medicine directed me to the attorney who had handled his lawsuit against his disability carrier once the company had ceased paying his benefits. When the attorney learned that I had not yet made claims to the carriers, he immediately gave me your name as the best person in the U.S. to guide me. A year later, I know that you have given me expert advice every step of the way.

Without your guidance, there is no way that I would have spent the hours preparing the reports detailing my pre-disability work schedule that were the first in a series of documents that have supported my claim. As a result of the guidance that you taught me to give my physician, my medical progress reports have accurately described my limitations in ways which they otherwise would not have.

As I have gone through a difficult rehabilitation after surgery, I realized that my physical therapists’ assessments and my physicians’ notes did not itemize my problems in a way that showed why I could no longer perform most of the duties of my profession. So I created a table of ten key medical problems, their causes, progress made back toward normal, and how these problems are limiting my ability to function. I update this every month and distribute copies to my therapists and physicians. Without this there would be inadequate documentation of the problems that I will continue to face. Thanks for your inspiration.

The process is not over. I have more work to do to help myself recover as well as I can, and more work to do to support my claim for disability benefits. I’m glad that you will be there for me to call.

Yours truly,
M.D.

October 12, 2004

Dear Art,

This brief note is to thank you for your invaluable assistance and professionalism in helping me through the very lengthy and complex process of properly filing my disability claim with Unum Provident. Your assistance was invaluable and frankly, anybody attempting to obtain disability reimbursement without the assistance of an expert like yourself, is in for a long frustrating uphill grind.

Again, I can’t thank you enough for your attention to detail and tremendous amount of time you spent with me assisting me with this process. Frankly, retaining your services was the best investment I have ever made.

With best personal regards,
Respectfully,
M.D., F.A.C.S.

October 11, 2004

My health had declined seriously, and for several months I kept hoping that I would be feeling better and be able to get back to running my business, but it just wasn’t happening. I reviewed my disability policies and just knew that it would be a very daunting task to file my claims successfully. I found your website and decided to call you. That one phone call changed my life! Your tremendous knowledge of the whole disability field, including the claims process, your professional and ethical attention and approach, your detailed direction and prompt feedback regarding various documents have been invaluable. Now that my claim has been accepted, I can fully focus on getting better without the strain of financial worries.

Consultant/ Trainer
To Human Resource Depts. Of Industry

September 15, 2004

Arthur L. Fries
225 Via San Remo
Newport Beach, California 92663-5511

Dear Art,

I want to thank you for the invaluable assistance you’ve given me over the past two years. I’ve worked in court and have sat through many disability insurance trials so I was aware of what an insurance company can and will do to avoid paying a claim. I was afraid and at loss as to how to proceed with my claim when I became disabled. With your expert guidance, both my disability claims were approved on the first application, as well as Social Security Disability and my disability retirement. It’s a nightmare of stress and paperwork that I could not have managed without your help. Your professionalism and courtesy make the whole process much easier to handle. It’s also been a pleasure getting to know you, and I highly recommend your services to anyone filing a disability claim. It’s money well spent.

Sincerely,

Official Court Reporter

5/16/2004

Dear Colleague,

Having enough disability insurance that is occupation specific is important. It is also important to pay the premiums personally. But the most important aspect of disability insurance is to make sure that it pays when you have a claim. That is why I feel that Art Fries is as important to me as anything that I have done regarding my disability.

I first read about Mr. Fries in Dental Economics several years before I was faced to retire from my orthodontic practice due to a type of arthritis called ankylosing spondylitis. I placed him on retainer when I started the process of selling my practice and when I worked for the last time in October, he and I started the process or applying for my benefits for three policies under two separate companies.

Art is one of the most professional people with whom I have even worked. He helped me fill out all the forms until they were perfect. He really understands how the insurance companies think and knows how to word every answer so that they won’t come back and ask to redo anything. He always returned my calls promptly, if he wasn’t there when I called and he was very patient when I didn’t understand something.

Once I had been approved for the disability, he was very good about helping me with continuation of benefit forms. I cannot recommend Art too strongly for anyone who finds themselves in my situation. He made a very tough time one that was as stress free as possible. I feel very indebted to him.

A very loyal client
ORTHODONTIST

4/2/2004

My name is ________ and for over 20 years I have practiced dentistry . In November of 2003, I saw an orthopedist for pain and numbness in my left arm and shoulder. Upon reviewing my cervical x-rays the orthopedist words to me were “ You need to retire from dentistry as soon as possible”.

I was having significant pain and numbness by the time I sought medical advice. It became necessary to curtail my work hours as part of an effort to alleviate symptoms. I mention it because this led to a claim for partial disability.

I began the disability claims process upon the advice of my agent. However, once begun, my agent was divorced from the process by the insurance company. Immediately, I became an island. I filled out the enormous amount of paperwork to the best of my abilities.

I received written notification of a personal interview with a field agent, which was to be conducted at my office. My agent assured me it was “no big deal”. The “ interrogation” lasted almost 2 hours and I cannot remember when I have been so angry. The questions were designed to lead me, trap me or incriminate me. It was a verb al mugging. I immediately called my agent to let him know my displeasure. By the way, my relationship with my agent has been and still is one I value and cherish immensely. He let me know in his kind, gentle way that there may be more of this assault on me, and my character. When I hung up the phone I then placed the most important call of my career.

The man I called that day was Art Fries. I had heard of Art from two local dentists who had gone through disability claims and used his services. I was able to speak with Art about my situations within 24 hours. He immediately instilled a sense of calmness and confidence in me before I ever became his client. Without a doubt, that call to Art Fries has impacted my life for years to come.

I am 46 years old and Art has guided my through the claims process to Total disability to age 65. The financial impact on my life is beyond words. I am eternally grateful for his guidance, support, and friendship throughout this process.

My disability claims journey is like so many others. It has been filled with medical tests, evaluations, medications, MRI's, surgeries, denial, anger, questions, and eventually acceptance. It's a roller coaster ride and the great thing about Art is he has experienced it himself. He has also worked with so many dentists and other professionals that he has a tremendous wealth of information that quite frankly no one else possesses.

The purpose of this letter is to offer advice to anyone contemplating having to file disability claims. None of us want to file a claim but when that terrible time in your life falls, expert advice is critical. I struggled through the initial phases of my claims process with no guidance and the naïve belief that the insurance company would believe me at face value.

Don't make my mistake. Become a client of Art Fries before you fill out any disability claim forms and allow him to guide you through the murky waters. His advice to you will be invaluable.

Art, thank you again for your help, guidance, empathy, and camaraderie this past year.

You are the best.

1/23/2004

Dear Art,

I just wanted to express to you my satisfactory for all your guidance with my disability claim. Your experience and knowledge in the field of disability policy language and how to go about giving the carrier the necessary information was invaluable. My wife and I feel very fortunate to have discovered you in an advertisement of a professional magazine. I had even consulted with an attorney, as you are aware, that was begging me to sign documents so that he could go after the carrier and the attorney would take a third of the settlement. I am glad that I stuck with you instead through this claims procedure.

While the process of getting the claim approved was a year from my date of disability, which I understand is unusual in this regard, you helped me stay focused on the process and advised me how to speed it up while my patience was wearing thin. Not only that, you advised me when not to undergo a Functional Capacity exam and furthermore, how to proceed with the Independent Medical Exam. Additionally, your knowledge of the players at the higher levels in the field of these disability carriers helps your clients to better understand the journey that they are about to undergo. It is a battle that I may not have won had it not been for you. Thanks Art!

Most Sincerely yours,
Name withheld
DDS

1/7/2004

Dear Art,

I wanted to thank you for all the help you provided me in dealing with this most difficult times in my life. Your expertise, guidance and warm assuring manner was extremely helpful to me.

All I can say is I appreciate you and the excellent work you do.

All the best,
Name withheld

12/02/03

Dear Art,

I wanted to take a minute to thank you for all you did for me regarding my disability claim. Finding you was truly a blessing. When I first started having problems with my hands back in 1995, I was scared about how it would affect my career as a Dental Hygienist. I consulted many different specialists and for years no one seemed to be able to figure out exactly what was wrong with me. While I continued to seek the advise of the experts regarding my pain, my husband came across your website. I didn’t know at the time how extremely important information would be.
I continued to have pain until finally in early 2003 I was no longer able to practice clinical dental hygiene. While trying to deal with the physical pain of my condition and the motional pain of having to give up a career, I contacted an attorney to help me submit a claim to my disability insurance. He rarely returned my phone calls and I began to feel panic stricken. I didn’t feel I could handle dealing with my pain and the disability claim at the same time. I needed “hand holding” and the attorney wasn’t giving me that. I was feeling frustrated and disappointed, and then I remembered that I had written your name down.
I can say with complete honesty that if I had not retained your services, this process would not have gone so smoothly. The packet of information your provided me was priceless. I appreciate how knowledgeable you are and also your professionalism. You always returned my calls in a timely manner and even notified me if you were going to be out of town. I really appreciate not having to make any decisions without your guidance. You have guided me EVERY step of the way.
I am a firm believer in letting the experts handle things, and you are the disability claim expert. If I am ever in the position to recommend your services, I will with complete confidence.
With Sincere thanks and gratitude,

Yours truly,
(Name Withheld)

11/30/03

Art,

Thank you. It has been over a year now since you first helped me with my disability questions. I followed your advice. In the past 12 months I have received over $400,000 from my two disability claims.
I have been too busy to write to you this overdue thank you note, as I have been very active in the enjoyment of my new life.
I was “DR. “ for 32 years. “Dr. *****”, the ophthalmologist, is disabled but has new life. Now I am much happier and there is further good news: My irregular heart rhythm that I have had for about 4 years is now almost nonexistent. I still have the minor inconvenience of a hand and head tremor but I feel that overall I am happier and healthier than I have been it 20 years.

There is no doubt that your help was instrumental in my asking for and getting over $150,000 in money for partial disability that I would not have asked for without your help. In addition to offering me good advice you gave personal encouragement that was very reassuring.
Art, thank you for your help and support!

Sincerely
(Name Withheld)

11/14/03

Hi Art,

Just a note to say hello and to wish you a very happy holiday season. I am still receiving my disability payments, still teaching dentistry, and my life has never been better. I didn’t think I would ever feel this good at the age of 64. Your work and expertise was a blessing for me. Hope you and your family are well.

Sincerely
(Name Withheld)

11/10/2003

Dear Art,

I would like to express my appreciation for your expert assistance over these past three years. As you know, I had a very successful Pain Management and Anesthesiology practice when a severe bowel disorder prompted me to accept a disability status. At this time, I was disturbed by television and print reports of the multiple methods disability carriers used to deny or at least make extremely difficult legitimate claims applications. Used to being prepared for adversity I made a search on the internet for disability consultants, found your informative web site and contacted you. I felt strongly after a few minutes conversation with you that you would help “level the playing field” with the insurance company. Following are some of the specifics you provided:

1. Due to your experience in disability insurance and with expert questioning you validated the legitimacy of my disability claim.
2. Provided a comprehensive review of my disability policies and made an easily understood written and verbal summary emphasizing key points.
3. Gave me general and specific guidance regarding any verbal or written communication with the disability carriers reminding that their primary motivation was to find a way to deny the claim.
4. Worked with me in preparing the initial Claim For Disability Benefits form, literally going through it line by line. You provided expert guidance on what to say and more important on what not to say. All statements were accurate but not said in a way that required further lengthy explanations.
5. Gave invaluable advice on preparing a comprehensive sequence of Events which gave the opportunity to provide critical information to the disability carrier not solicited in their multiple forms.
6. Helped in the same detail respond to multiple inquiries and forms that you predicted would be forthcoming from the disability carrier.
7. Provided advice on how I might guide my attending physician on the verbiage he used in preparing forms and statements to the disability carrier.
8. Prepared me for the Field Visit to my home by the disability carrier representative.
9. After the claim was approved you advised me on the appropriated way to handle the ongoing requests for additional medical testing and continuing personal and physician forms.
10. Provided guidance and advice for a recent Independent Medical Exam (IME) I was required to attend.
    Besides the obvious value of having my claim quickly approved the greatest value of consulting with you is that you have educated and prepared me for almost all contingencies encountered from the disability carrier. As a result, I have had some sense of control and confidence in this sometime daunting endeavor.

Sincerely
(Name Withheld) M.D.)

11/1/2003

Dear Art,

I would like to thank you for all the help and the least I can do is give you a letter of recommendation. I don’t know if you need it, but it can’t hurt. I was at a loss with my disability and the problems it caused in my life after almost 20 years in practice. When I first called I was a little leery about your fee (not cheap) and I had 2 different policies. I decided I need expert help and you seemed qualified. I think you were worth every penny. You are very generous with your time and I do not think that you watch the clock, although that was one of my initial concerns. You are in effect a great value for the money. I just received a residual disability benefit and this is just from one of my two insurance companies. I was most impressed with the way you were able to integrate the problems of my pending divorce, tax, legal and disability insurance ramifications and help me to come up with the best course of actions when looking at the big picture. Your advice went well beyond just getting my claim paid. I feel that the work you did will serve me well in the many years that lie ahead. I wish with all my heart that I wasn’t going to be disabled, but I can’t change that. But your advice and help has made it easier and most importantly financially better. When the time comes, if it does I will follow your advice and let you help me negotiate a bulk settlement, rather than deal with them with monthly payouts. Your years of experience are very impressive, and you know just what is needed. Please feel free to give this letter to any of your prospective clients. I am so appreciative that they can call me anytime at the office or on my cell phone. I just ask, if calling my dental office they are discreet with the staff. I will be happy to discuss what my injuries and payouts were like and why are better to have helping than a team of attorneys,

Sincerely
Name withheld---
D.D.S.

10/10/03
Dear Art,

Recently I had my claim for disability accepted and I can’t thank you enough. Your understanding and insight into my particular situation was most commendable. Also, the thoroughness with which you approached each and every request by the insurance company was outstanding, and I believe, one of the deciding factors in having the claim accepted. Chronic pain syndromes come under special scrutiny by carriers so your knowledge of the system was invaluable to me.
Art the part that is difficult to describe, and so to thank you for, was the ‘hand holding’ when it seemed to take forever for a decision on my claim. You were always on top of the situation and reassured me during all our conversations.
Once again Art, thank you, thank you, thank you. Your guidance and efforts on my behalf truly made a difference.

Name withheld---
MD

8/13/03

I want to thank you for your help. Knowing you are there for me has given me the strength I've needed to fill out each form, to take the next step etc. In my depressed state, I cannot pick up a piece of paper and fill it out without direction and encouragement. That you're there and answer my calls so promptly has been as important to me as what you know. What's the saying... people don't care how much you know until they know how much you care,

Sincerely,

Name withheld---

May 12, 2003

Art,
Just wanted to let you know how appreciative my family and I are for the guidance you provided in successfully presenting my case to the insurance company after they decided to stop payment of my monthly disability checks. Although I felt my case was clear cut and obvious, that a radiologist would have residual distortion and chronic eye problems following a significant retinal tear and detachment in my eye, the insurance company looked at it differently. Fortunately, I contacted you and you quickly reviewed the case and restored my confidence. Having honesty and integrity, I only needed to know how to properly convey it. You successfully helped guide and navigate
me through a list of questions, some of which are difficult to answer
without implicating something not intended. By working together as well as your proactive direct intervention through the insurance bureaucracy I was not only to get my monthly check re-instated but received a separate check for the four months when I had to live off reserves. You lived up to and exceeded my expectations as a competent professional with total integrity who always called me back promptly and answered all my concerns.

Thank you for being there when I needed you.
Best Regards,

Name withheld---

4/22/03

Arthur L. Fries, RHU
Disability Insurance Claims
225 Via San Remo
Newport Beach, CA 92663-5511

Hi Art,

I just saw your ad in Dental Practice Report and I began to think of you. My life is on an even keel now. It was a pleasure doing business with you. I want you to know that I don’t think another person on the planet could have done better for me than you did.

I hope this letter finds you and your family healthy and happy.

If you need me to confirm your competence I will be happy to speak to anyone.

Respectfully,

Name Withheld---

2/10/03

Dear Art,

This is just a brief note for thanks for your expertise in guiding me through the minefields of disability claims. As the result of your input, the disability company has been quite prompt and cooperative. So far, I’ve had none of the snags that we all fear. Knowing how to handle the paperwork has also been a huge relief.

I would be happy to whole-heartedly recommend you to anyone going through this process.

Again, many thanks,

Name withheld---

1/6/2003

Dear Art,

I want to thank you for your wise and learned council regarding my disability claim. Although I have practiced 18 years and had lots of communications with insurance companies; I would be like a "babe in the woods" regarding this type of claim if not for your guidance.

Since I got hurt I have spoken with a surprising number of associates that have filed claims and have heard the horror stories that some your testimonials alluded to.

There is too much at stake not to have you in my corner when handling a project like this.

Thanks again.

Yours,

D.C.

June 5-02

LETTER OF TESTIMONIAL TO ART FRIES

Dear Recently Disabled Physician:

So you think you know all about medicine and surgery! You've recently become disabled, and you're going to file a disability claim for benefits. Watch out! You are going for a swim with the sharks who handle disability claims. You, as a physician because of your training, are taught to trust, to be honest and guileless. You are coming up against people in the insurance claims business who are devious, misleading and speak a language foreign to you as a physician. If you file that claim before you consult with Art Fries, you are in for trouble and probably will not receive your full benefits in a timely manner, if at all. And if you start the process of filing a claim on your own without his help, it is very difficult to correct the mistakes that YOU WILL CERTAINLY MAKE, and to extract you from the sharks' jaws of the Claims Adjuster.

With Art's help, I was guided through the entire claims process, instructed on what to say, what to write, and how to present myself in a light that would expedite settlement of my claim with maximum benefits.

And once your claim has been approved by the insurance company, don't expect it to be paid without problems. Art will guide you through the minefield that follows.

Take my advice: Hire Art Fries as your Disability Consultant. He is worth every penny of his fees.

Sincerely

MD
Disabled Physician, Southern California

May 31-02

Mr. Arthur Fries
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art:

I opened the mail tonight and found five checks, one for each of my disability claims going back to an original disability date of November 1, 2000 for depression. It could not have come at a better time. My son and I had just come back from moving some of my mother's furniture into an assisted living facility to which she will be moving after her discharge from her most recent episode in the hospital. Words cannot express fully my gratitude to you for masterful guidance and meticulous attention to detail in processing my disability claim. Even if I were not suffering from the depression that has kept me from practicing commercial law for such a long time, I would not attempt to navigate the tricky waters of disability claim procedures without you at the helm of the ship.

Your understanding of what your clients are going through, and your step-by-step procedure has been a godsend. You may have beat your own record with a claim being processed and approved in two months and going back to a disability date 17 months before submission of the claim. Only because of the stack of documentation that you had me submit was this processed so quickly. While the depression still continues, at least the ability to provide for my family and the lifting of the terrible guilt I have felt at no longer being able to be the breadwinner provides me some solace. While I am sure you are proud of your earlier career selling disability insurance, today you are providing a much more valuable and needed service with your sage advice and counseling to those like me that have never gone through this process.

God Bless You.
Warmest regards,

March 23-02

Dear Art,

Thank you for all the help and support you have provided me over the past year. Being faced with a potentially career ending disability was a frightening and confusing time. When I first saw your ad in a dental journal, my thought was, if I have a justified disability, what do I need an insurance consultant for? A consultant is probably only necessary if your disability falls within a "gray area" as far as insurance claims are concerned. I felt the facts of my situation would speak for themselves. Despite these reservation, something lead me to make the call to you. Now a full year into my carpal tunnel nightmare I realize that phone call was the best decision I ever made. Additionally, I feel lucky that I made the call to you prior to contacting my insurance carriers . Your help has been prompt and sincere. My wife and I have been amazed by how quickly you have responded to our questions and correspondences.

Working with you, we feel we have someone on our side, looking out for our best interests. You have the unique ability to help me portray my condition to the insurance company in a manner that is truthful, yet sympathetic to my situation. Your knowledge of the disability insurance industry and the way it works has without a doubt resulted in more prompt and comprehensive insurance payments. One small suggestion you made during our very first telephone conversation resulted in a full three months of insurance benefits down the road.

My disability has completely changed the course of my life. The moral support and reassurance you have provided me has made this change much less stressful. Coping with the realization that I can no longer practice dentistry is difficult, but thanks to your help, it has not become a financial crisis. It gives me great peace of mind to know you are still there if future questions arise. Again many thanks.

Sincerely
DDS

5-20-02

Dear Art,

I want to thank you for your expert advice on how to have my disability claim reinstated. Without your constant reinforcement, I would have given in to the insurance company's tormenting pressure. Being disabled from my profession has been and is devastating but due to your support and knowledge I am now receiving 5,000 /mo., from my insurance company. Thanks again for helping me increase the quality of my life.

Sincerely,

5-19-02

Art Fries, RHU-Insurance
225 Via San Remo
Newport Beach, CA 92663-551

RE: INSURANCE SETTLEMENT

Dear Art:

Your negotiation skills were invaluable in achieving my settlement with the above captioned entities. Prior to your involvement there was no communication between______ and myself. They were content to continue to stonewall. When you became involved, things changed. It took them a while to come around but your persistence and negotiating skills brought them to a reasonable settlement. The amount was very near to what we had previously estimated as being fair. Thank you again.

Sincerely,

March 5-02

Mr. Arthur Fries

Dear Art,

All of your expertise and knowledge of how the disability insurance system works (or doesn’t work) has certainly helped me with the problems I’ve had with Paul Revere. I honestly do not know how I could’ve handled the different
problems without you and I want you to know how much Iappreciate your wisdom.

All of the tricky questions that are asked when filing a claim, I believe, are set up to “hang” or “trap” the Insured. It has been such a relief to me to know that I’ve had and have you to help answer these difficult, tricky questions. My only regret is that I didn’t have your help from the onset of all this instead of two years into it!! Until you started helping me, the struggles with the insurance company were a nightmare and literally nauseating!!

When you found out I was scheduled for two IME’s (nearly one year after the sale of my practice; which I’m sure was an attempt at not paying me) you guided me on how to handle the IME’s, what to look for, some possible tricks and precautions, how to walk in, what to expect, how to get answers before the exams, and how to get copies of the IME reports. Art, I literally feel like I have been in and to some extent still am in a war with my own insurance company.

The Bible, in Proverbs says “only go to war with wise counsel”. Well, Art, my
wise counsel is YOU!! There is nobody in this industry who looks out for the insured, and who gives the kind of insightful counsel that you do.

Since you have been helping me over the past 1 1/2 years, I am getting monthly checks. There have heen some bumps in the road, however, if I would have done EXACTLY what you told me to do, the road would have been smoother, I’m sure. Some of the important things you told me to do, at the time I didn’t think were so important. Well, now I see the importance of your instructions! I’m talking about a couple of times when you would tell me to communicate back with ..... and I didn’t; well, man, I SHOULD HAVE!! But you have always been so kind when I fall, to pick me back up, dust me off,
and get me back on the right track again. Thank-you for all those times. Not listening to you exactly really does cause problems because you always seem to have the insight as to what the insurance company was thinking and planning. Like the time you told me you thought the insurance company was setting me up to eliminate me. The fact that I even thought “they couldn’t/wouldn’t be that devious and conniving; surely they know I'm injured and that I can’t practice, and that I would never be that underhanded”, what a joke!! Ten months later they called me and said they didn’t think they should be paying me and wanted to do the lME’s.

Art, I now have a tremendous amount of respect for you, for your insight, knowledge, and wisdom in your field and I really appreciate you and all of your hard work and help.

Also, I would recommend anyone who is in the situation of having to file a disability claim to contact you immediately before taking even the first step or answering the first question. You will spare them the pains and heartaches that .I initially went through. Not to mention that they will receive their benefits much faster! Yes, you said your services are expensive, but you know the old saying “you get what you pay for”. It could sure cost the client far more than just your fees. I am thankful for you and, trust me, you have earned every dime I have paid you. And if I had to do it all over again, I would definitely START with you.

Very Sincerely!

EYE PHYSICIAN and SURGEON

March 3, 2002
Arthur L. Fries
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art:

Unexpectedly facing the end of a career and total occupational disability is one of life’s most traumatic events. The thought of how to properly present one’s disability claim to a disability insurance company even heightens the anxiety.

I feel blessed that I happened to read about you in my local medical association journal. After checking your website, I called you and my feelings of loneliness and despair quickly diminished.

You guided me thru the process of filing my disability claim step by step. You
were always available for advice, even at night and on weekends. Writing my
two-page "History of Events Leading to Present Total Disability”, as you
suggested, was a refreshing, therapeutic experience that restored my self-
esteem.

Art, you are part father, part psychologist, part attorney, part consultant, and part educator. But mainly, you are a reliable friend in need.

Thanks Art for your timely guidance and support.


MD

April 4, 2002

Dear Art,

I wanted to take the opportunity to thank you for your help in successfully completeing my disability claim. Even with a legitimate claim, the process is confusing and stressful. You helped me clearly demonstrate to my carrier the merits of my case on the first pass and saved me significant time and worry. I can't imagine doing this alone.

I regard you as both a mentor and friend. Thank you again for providing this invaluable service to professionals.

Sincerely yours

MD

D.D.S.
New York, NY

Dear Art,

Thank you for your great help. I was lost without you. With my best wishes.

When your private disability carrier decides to come after you and terminate your benefits, you will need a guardian angel, mine was Art Fries.

I had been a health care professional for over fourteen years when I started having various physical problems that were causing me a great deal of pain, and starting to prevent me from doing my job. I would later find out that the ergonomics of the job had brought about numerous bulging discs, bone spurs, nerve compressions, and joint problems. Fortunately for me, these injuries had not progressed to the point of needing surgical intervention. Had I continued to work, I could have potentially been facing multiple surgeries. My doctors insisted that I needed to change my career. This was very hard for me to hear. I resisted their advice until my hands and arms became so numb that I started dropping instruments, and the pain had progressed to the point that I wasn't sleeping at night regardless of what medication I was given.

For nearly three years I navigated the state disablity and workers compensation systems. This was a grueling process, but I knew it wouldn't fast forever. I was sent to multiple Independent Medical Examiners and Qualified Medical Examiners to verify that I was entitled to the benefits they were providing. All of their doctors agreed with my team of doctors, and workers compensation authorized vocational rehabilitation for me. During this time my private disability insurance company was paying me a monthly benefit without interruption. I felt that at least I could depend on them.

My choices for a new career were very limited. I ended up being retrained for a job where I would earn less than 50% of my former income. Unfortunately it was the last option that I was presented given my medical restrictions. Between my new job and my private disability coverage, it would be enough to meet my monthly expenses and I breathed a sigh of relief. Without the disability insurance money I would have been forced to sell my home.
My relief was short lived. Within two months of settling with workers compensation, my private disability carrier sent me a letter stating that I would need to see their Independent Medical Examiner so that they could better understand my medical condition. This is the kind of letter you never want to receive. Since they already had current reports from seven specialists that all agreed on my medical condition as well as x-rays, MRI's, and various scans that confirmed their findings, I could read between the lines. I felt like I was being led to slaughter, but I was not going to go down without a fight.

My first thought was to contact an attorney. After several conversations it became clear that this must be a specialty field, and finding someone who could represent my interests wasn't going to be easy. I ended up contacting the agent that had sold the original policy to me fifteen earlier, explained my plights, and he recommended that I contact Art Fries. This agent had become so disillusioned with how the insurance company had treated his clients over the years that he no longer sold policies for them.

I placed a phone call to Art immediately. I explained that I had a lifetime policy on which I had paid premiums for over fifteen years. After receiving benefits for three years I feared they would try to send me to a doctor that would provide them with some reason to terminate my benefits. He validated my concerns, and told me what he could do to help protect my rights. He was knowledgeable, articulate, experienced and obviously disgusted with the current state of the disability insurance company's underhanded tactics. Evidently, the company I was dealing with had become one of the worst offenders.I hired him immediately and over the next few weeks he reviewed all of my medical records and my insurance policy. The lifetime policy I had could easily cost the company over one million dollars, which made me a significant liability to them.

By the time I was scheduled for the visit with their doctor, I was well prepared and armed with knowledge that would prove to be invaluable to me. The doctor could clearly see that I was receiving professional counsel based on the documentation I had with me, the witness that I brought along, and by the questions I asked him. In the end, the doctor did do the right thing and his report stated that I could no longer continue to work in my field. Whether he did the right thing because he was ethical or because he knew that he could be held accountable, by me, for his recommendation in a court of law, I will never know. He did however run the risk of losing repeat business from the insurance company by not rendering a decision in their favor. Perhaps if patients were well prepared, as I was, doctors would not be as easily swayed by insurance company dollars.

For nearly three months I agonized and prepared for that visit. I worried about my financial future, which resulted in many sleepless nights. My only comfort was that I had Art on my side. I was fortunate to have contacted him before they terminated my benefits.

A few months after this ordeal, the insurance company presented me with a lump sum settlement offer. It amounted to less than one fifth of the value of my
policy. Art advised me not to accept their offer, but told me that he would understand completely if I did. He knows the emotional anguish that his clients face. He understands how ruthless these insurance companies are becoming. I believe he calls it murder by proxy.

My final decision was to turn down their offer. It was not an easy decision. The thought of not having to deal with them anymore was very appealing, but it's about doing the right thing. I paid them a premium for a policy and I am now entitled to the benefits of that policy. I held up my end of the bargain, and Art helped me to force them to hold up theirs. I truly don't know what I would have done without him. I also know, that the insurance company is not going to leave me alone, and that in the future I will probably need Art's invaluable advice again. If you are facing a similar situation, don't risk facing the insurance company on your own. Art can help you fight back in a language that they understand and will respond to. They don't play fair and it could cost you dearly. I wholeheartedly recommend that you retain Art Fries as your advisor and your advocate. In the end, you will be thankful that you did.

Best of luck to you!

Arthur L. Fries, RHU
225 Via San Remo
Newport Beach, California
92663-5511

Dear Art,

My disability began almost nine years ago. Like most people, initially I was very angry. As time passed, I became more accustomed to living and working with my problem. As an orthopedic surgeon, I refused to allow my work and my efforts to suffer. Later the symptoms and the treatment began to take its toll. It was more and more difficult to put in the hours, and my results did not seem to be what they used to. For many reasons, like many others, I pressed on not willing to give up what I had spent most of my life learning. My health was worsening because of these efforts. I thought many times over the years about applying for disability. I knew because of the climate of the medical profession in recent years, that an increasing number of physicians were applying for disability. I thought it might be difficult to obtain my disability because of this climate.

I talked to several lawyers who said they would consider "giving it a shot" and in return would keep a percentage of my checks as long as they were paid. That situation was hard for me to stomach. I kept working until I felt that I could not safely perform anymore. I found your name on the Internet searching for disability advice. Since that time, I have proceeded step by step and with your counseling have obtained a full disability status from my insurance company.

I shudder to think what my outcome might have been had I not found your website. Thank you very much.

Sincerely
M.D

4/09/01

HELP FOR THE INJURED AND HURTING

If you are reading this letter you are probably in the same boat I was before finding Art Fries.

The scenario goes something like this.
You get hurt and try to keep things going by yourself.
You have been thrown off your horse so you just keep getting back on and trying again.

Your abilities to stay on that horse however are greatly reduced because you are not quite up to snuff or perhaps you can't climb on anymore.

Eventually you determine you can't handle everything on your own.
You realize that you are no longer Superman or Wonder Woman and you can't always handle everything that comes your way.

So finally you concede to do what you never imagined you would ever have to do, that is you have to make a claim against your disability policy because your illness is influencing your ability to make a living. So naïve as you may be you call your agent afraid to tell him the bad news but confidant that you will probably get your money special delivery in a day or two.

After all by the time you get around to asking for it you are likely in pretty bad shape financially, and you may have several kids to feed and clothe. Perhaps you think the longest it could take is 30 days or so, after all if your premiums are not paid within 30 days you get canceled.

The bad news is it may take you years to get any money for your honest genuine disability and a resulting loss of income if you try making the claim on your own.

Ask yourself: What in the heck do I know about making a claim for disability?
Answer: Zip, assuming this is the first time.
Ask yourself: How many claims have the insurance companies processed?
Answer: Millions
Ask Yourself: What are the chances I will get skinned alive?
Answer: Answer that yourself.
Ask Yourself: Do I need someone to help me who is experienced with this?
Answer: Yes,…Art Fries.

I was severely chemically injured and hurting for a long time. It has been an uphill struggle for over 5 years now. I now have some autoimmune issues as a result and each day is difficult.

It is a difficult kind of injury to identify, diagnose, or prove.
I kept hoping for a diagnosis and a cure trudged to 2 dozen doctors over a five-year period of time. As you can imagine it was very costly.

Feeling as I did, not much energy was left to fight with an Insurance Company, let alone run in circles as they will ask you to do.

Had I found Art Fries in the beginning, it would have saved me time, money frustration and torment.
I also may have gotten to the bottom of my health issues in a more timely manner. In my mind I was thinking I would have a diagnosis or I couldn't even pursue the claim. In reality I already had a severe loss of income and an illness, identified or not yet that was keeping me from performing as before.

The insurance company will try and bury you with whatever it is that you can't do. For me it was the paperwork and computations. I also did not know how to communicate with the physicians. Quite frankly I was intimidated by the insurance company and scared that whatever I submitted to them would eventually be turned and twisted into a denial of coverage on some silly detail. I had tried reading and understanding my policy but I am not an attorney and even simple parts eluded my understanding.

In retrospect perhaps most of my paranoia and cynicism was indeed justified. As I was close to approval I thought, I got another denial letter. This was after years and lots of documentation. Fortunately I had hired Art just prior to this point and his expertise is what ultimately made the difference between denial and approval of my claim.

I have a wife and 4 children to support and take care of. I hope to eventually recover enough to work productively and retrain and survive. I don't know if I will ever be able to continue in my chosen field or not. Without Art's help I question if I could of survived much longer. The money from the approved claim will buy me the time I need to get back on my feet.

Don't wait as long as I did to hire Art Fries. The longer your claim drags on the harder life is on your family. You may lose your house, your business, health insurance, etc.…

Best wishes to all those who may read this letter.
I hope for a speedy recovery for you
Sincerely

To: Business Executives
Thank you Art Fries

Prior to my disability, I was an executive in a global technology company, with a large staff and a large budget. My role involved flying all over the world, enjoying the hi-tech environment challenges of break-neck-speed-to-market projects and the immense monetary rewards for success.

Unfortunately I became ill and my physician advised my to leave work. My symptoms included fatigue, headaches, memory loss, dizziness, muscle pain, etc. All subjective evidence those insurance companies hate.

Welcome to the hole aggravating, frustrating, and maddening American mess of the Disability Insurance Claim Denial System Process. I applied for short-term disability benefits, and immediately hired Art Fries as a consultant. Yes, I hired him after reading his web site and talking to him for one hour on the phone. Yes, I sent him a retainer check that very day. And yes, it was the best decision I made.

Although my doctor had documented my illness, I was advised that I would be in for a battle with an insurance company. Insurance company conclusion; "the evidence does not support continued impairment at this time and is without evidence of physiological or physiological documentation. Your symptoms are self-reported without the evidence of medical information we will not extend any benefits."

Art reviewed and interpreted my policy, provided guidance, consolation and expert advice in processing the insurance forms and dealing with requested medical reports. He was a tremendous support. Two particular documents he helped me create solidified my case and help transition me into long-term disability benefits even as the insurance company continued to deny my claim. Without Art, I would have lost all hope.

I recommend you get Art involved early in the process. Without Art, you don't stand a chance.

March 18, 2001

Dear Art,

    I just wanted you to know what a tremendous help you have been in guiding me through the disability insurance application process for my husband. I don't know what I would have done without you. You have answered each and every question in a manner that is clear and consistent and you have communicated with ease in a timely fashion. Although I am not finished with the rehabilitation recovery cycle of my husband, I know I can always rely on you to be responsive and honest. Even though the sudden onset of this disability has been a traumatic event for all of my family members, your assistance has helped me refocus when events seemed overwhelming and encouraged me to take charge of issues that have immediate and serious consequences. My continued thanks and appreciation.

                   With Regards

M.D., OB/GYN, F.A.C.O.G.
1 -29 -2001

Arthur Fries

In March 1997, after rupturing a disk, I needed to put in a claim with my disability carrier. I received the paperwork from the company and began to fill them out. Many of the questions appeared simple, but I sensed that how I answered these questions might be critical in the company's determination of benefits.

Luckily for me, a friend gave me the name of Arthur Fries. Mr. Fries specializes in helping professionals with disability claims. I sent Mr. Fries the forms, and sought his guidance. Mr. Fries was extremely honest, professional, and gave only expert advice. It turns out I was correct in seeking guidance in filling out the forms. Mr. Fries only had to tell me the truth, but he knew what language and information was needed to support my claim. I would have answered several questions in a manner that may have led the company to deny benefits.

Over these past few years, I have not communicated with my disability carrier, either in writing or by phone, without Mr. Fries personally reviewing and approving those communications. In one year, the company changed the form very slightly, but without his guidance and advice, I would have jeopardized my claim.

Mr. Fries has also been very helpful in guiding me to reduce the required paperwork and frequency of exams required by the company. He has insight as to when it is appropriate to balk at the frequency of these, and when to request a change in interval of required reports.

Mr. Fries fees are a small measure when compared to what he can gain you by his advice. I would advise any professional considering a legitimate disability claim to seek his input. To do otherwise, would be shortsighted and foolish.

                 Sincerely,

                         M.D.

Childrens Dentistry and Orthodontics

To All Professionals:

         Having several disability policies with various amounts and inception dates I foolishly believed that I would be adequately protected from financial problems if I were to become disabled. All my policies were from the major players in the field. When I started the process of filling out forms and being interviewed by the insurance companies, I was in for a real surprise. They have used every possible devious means to stall and prevent me from receiving my benefits. I hired a lawyer who was familiar with these companies and he was very helpful.

         He had read about Art Fries and suggested that I give him a call. When I spoke to Art, it was as though the lights were suddenly turned on. He knows where to dot the "i's" and cross the "t's". If you make one honest mistake they will try to hang you on it. I am now receiving my disability benefits thanks greatly to the consistently excellent advice that Art has shared with my attorney and myself. My only regret is that I didn't meet Art before I started this treacherous journey.

               D.D.S

QUOTE FROM A HIGHLY RESPECTED CALIFORNIA ATTORNEY WHO SPECIALIZES IN DISABILITY CLAIMS/BAD FAITH. His firm has had numerous multi million dollar verdicts/settlements.

"Arthur L. Fries is well prepared, extremely well organized, presents material in clear, concise and easy to follow manner, is believable and trusted".

January 30, 2000

Dear Art,

I wanted to send you a short note to thank you for your honesty, your support and your true expertise during the past two years. When I initially heard from the insurance company telling me they would no longer pay my claim I was devastated. Why had I paid the insurance premiums for all these years? How would I support my family? My depression only got worse. I had saved one of your ads from a professional journal when I first got ill. I called you and you promptly returned my call. After our first conversation I had a good feeling that you were there for people just like me. Everyone around me advised to go to an attorney and sue the insurance company and get a settlement. I knew I needed someone with expertise in this highly specialized area and a settlement was not what I needed. As of right now, with all of your help, the insurance company is paying me again. I still have that good feeling that if I need your help with the disability claim in the future, that you will be there to give me the expert advice I need.

Sincerely,

DDS

1-25-00

Dear Art,

Thanks for the help. Your back-up and input is invaluable.

BOB

May 30, 1999

Hi Art!

Great News! Got about $21,000 on 2 personal policies and they needed more info on BOE. They are paying residual as far back as 4/20/98. You are a genius!

Thanks so much.

August 25, 1998

Mr. Art Fries, RHU
225 Via San Remo
Newport Beach, CA 92663

RE: MY DISABILITY CLAIM

To Whom it May Concern:

I am a California Attorney, currently collecting long term disability benefits under my disability policy.

As an attorney, I had settled millions of dollars of claims with Insurance Companies. I thought I would be prepared to make my own disability claim. I was wrong. My Insurance Company came up with each and EVERY excuse to delay and deny my disability payments. I later learned that many Disability Insurance Companies are in financial trouble, and they are denying a huge percentage of claims on very dubious grounds. They will trick you, lie to you and spy on you to avoid paying your claim.

Finally, I retained Disability Insurance Expert Art Fries to assist me in my claim. What a difference! Once I followed Art's advice, the Insurance Company paid me in full, including back payment with interest of the benefits they had denied. Even as an attorney I had made mistakes in pursuing my claim that only an insider like ART would know about.

If you are a professional contemplating making a disability claim, I have two words of advice for you: ART FRIES. Do yourself a huge favor, and hire him now, BEFORE you submit a single paper to your Insurance Company. Do not wait, like I did, until the Insurance Company has denied your claim. You can save yourself from sleepless nights and financial ruin by following Art's advice.

Sincerely yours,

Robert Mars
Attorney at Law

Nov 16, 1998

Dear Art,

I am here in receipt of your statements of 10/31/98 and 11/12/98. First I want to thank you for you help in dealing with Provident Insurance Company. I believe that our persistance and organization of overwhelming evidence contributed to their reversing their original position. Your insight to the nature of the problem and strategy also very much contributed to their about face of the interpretation of policy language for their selfish benefit. Although right was on our side, they needed appropriate nudging. For This, I Again Thank You.