Jonathan
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Kidney and Liver Disease
Chronic kidney disease and liver disease wear people down in ways that lab results only partly capture: exhaustion that does not improve with rest, treatment schedules that take…
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Heart Conditions
Heart disease is one of the most documented conditions in medicine. Echocardiograms, stress tests, and catheterizations produce numbers, and insurers like numbers. That cuts both ways. Strong test…
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Traumatic Brain Injury and Cognitive Impairment
After a car accident, a fall, or a blow to the head, you are not the same. You lose your train of thought, forget appointments, reread the same…
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Multiple Sclerosis
Multiple sclerosis is a serious, well-documented neurological disease. Insurers rarely dispute the diagnosis. MS claims are denied for a different reason: the symptoms that keep many people with…
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How to Win LTD Benefits for Severe Back Pain
You have severe back pain. Maybe you have had surgery, injections, and physical therapy, or your doctors have told you there is nothing more they can do. You…
Talk to us before you file your appeal
Jonathan or Jodi will review your denial letter, your policy, and your deadline at no charge. We do not take a fee from any future monthly benefit.