[CO-CURE] NOTICE: A Consumers Disability Insurance Guide

[Guest guest]

Press Release:

 

A Consumer's Disability Insurance Guide

 

About the Book

 

ElderCare Publishing Company is pleased to announce the availability of the

new e-book 'A Consumer's Disability Insurance Guide', authored by Allan

Checkoway, a nationally recognized disability expert. Allan developed his

new e-book to help the multitude of disabled Americans collect the millions

of dollars in disability benefits to which they are entitled. Note the

following headlines:

 

 

* Multi-State Joint Investigation of

   Insurer Claim Handling Practices

 

* 22 percent insurer LTD claims denied @ initial application

 

* Insurer fined $15 million!!

 

* 60 percent initial Social Security Disability claims

denied

 

* $100+ million in benefits terminated '91  '98

 

* " New Wave illnesses swell disability tab "

 

 

Does the Disability Safety Net have holes in it? If more than 60 percent of

initial Social Security disability claims are denied, then why are 63

percent approved at the hearing stage? What causes the turn around? Isn't

it unfortunate that 39 percent of claimants give up before determining if

they would be successful going through the appeal process?!!

 

Is this the wrong time to be disabled in America? Tens of millions of

dollars in disability benefits go unpaid by private insurers. Recently,

over 40 states jointly investigated how one insurer handles their

disability claims. And one state set up a system to scrutinize the handling

of every rejected claim. What led to the dramatic change in the handling of

disability claims? Or has anything changed at all and there's just more

adverse publicity?

 

I was recently asked " Why are disability claims frequently turned down? "

" My immediate response was a combination of several factors: First there's

insufficient preparation; connected with a lack of understanding of the

Disability claims process itself. This is coupled with the " aloneness " of

filing a Long Term Disability Claim, without being able to communicate with

others sharing similar experiences. It all adds up to an unsuccessful

outcome " .

 

Our awareness of the multitude of denied claims motivated us to develop 'A

Consumer's Disability Insurance Guide'. It fits the bill perfectly for

preparation and learning the " system " . Our readers then get to participate

in a Disability " Message Board " where they gain personal access to thousand

of others who can share their experiences with each other. The Guide

empowers our readers as they open up a whole new world of knowledge.

 

Allan points out that " No one stops to think that he/she will ever become

disabled. Yet one day it's their turn to join the ranks of 40 million other

disabled people in the United States " .

 

Many of our readers are newly disabled. They're just beginning to deal with

the enormity of the physical, emotional, psychological and financial

challenges they will be facing. The author explains that his new

publication gives readers a vision of the adjustments the will need to make

to lead more enjoyable lives.

 

Allan points out the significance of the Lifestyle Changes that will need

to occur. You will need guidance on adapting your home to make it more

accessible. You don't just walk into the local pharmacy to buy grab bars &

railings for the bathroom. Where do you begin to research putting a ramp

around your home? How about an elevator to help you get up the stairs?

 

How do you continue to vacation in different parts of the world? We discuss

accessABLE Travel covering the various modes of transportation available to

those that are disabled. It's even possible to go on an African safari when

you connect with the right accessABle Travel Agency.

 

With an ever increasing number of elders in the U.S., our Senior population

will be using our resources even though they're not currently disabled. The

likelihood of someone over age 65 needing assisted care during their

lifetimes is greater than 50 percent! If they're married, that risk

increases to 70 percent; that one spouse will need assisted care in their

lifetimes!

 

Allan urges anyone who's disabled to visit the new website. " We've

developed an endless list of Disability Resources and links. We intend to

offer the most incredible comprehensive assortment of valuable Disability

information and expertise imaginable on the internet. "

_________________

About the Author

 

Allan Checkoway, RHU, has over thirty years of healthcare insurance

experience specializing in the brokerage placement of disability and long

term care insurance coverages. He authored " Disability Income, A How To

Guide " , published by R & R Newkirk; and " Disability Income Insurance " , a

text published by Dearborn Financial Publishing, Inc. He is the publisher

of 'Disability & Long Term Care Advisory', a newsletter on Long Term

Disability and Long Term Care Benefit Planning. In September 2006, Allan

will be publishing 'ElderCare Survival Kit', a resource manual on all the

most relevant Long Term Care issues.

 

His articles have been featured in the Wall Street Journal, Legal

Economics, Lawyers Weekly, Journal of Financial Planning, CFO Magazine,

Medical Economics Magazine, National Underwriter, Business Insurance

Magazine, Ins. Times, CLU Journal, Health Ins. Underwriter, Life Assoc.

News, & other professional trade journals. Allan received the National

Association of Health Underwriters Norma Medill Award for Journalism. He

served as President of the Disability Insurance Training Council as well as

Regional Vice President of the National Association of Health Underwriters.

His speaking career includes being a frequent speaker at the Million Dollar

Round Table, Life & Health Underwriter, Financial Planning and numerous

other professional association meetings nationally.

 

Allan shares that his new e-book 'A Consumer's Disability Insurance Guide'

identify's the most effective techniques for filing long term disability

claims and appeals. He says the most rewarding part of his career has been

helping consumers collect the Long Term Disability Benefits they're

entitled to for over three decades. He's grateful to be able to share those

30+ years of experience and expertise in this publication.

_______________

 

The new 'Consumer's Disability Insurance Guide' e-book is now available

on-line [for a fee].

For more information, go to www.eldercaresurvival.com.

 

 

ElderCare Publishing Co., Inc.

181 Wells Ave., Newton, MA 02459

(tel) 617.630.0700 x 1 (fax) 617.969.3495

e-mail: allan

www.eldercaresurvival.com

 

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