Claim Management Services

Please feel free to contact DeHaan Busse LLP for assistance with any of the following issues:

Policy/Plan Reviews: Many of our clients have long-term (permanent) disability insurance, yet they often do not know the terms.  At DeHaan Busse LLP, we will review your policy/plan to determine its specifics (requirements, limitations), and to insure it covers you adequately.

Applying for Benefits: Although disabled and eligible for long-term (permanent) disability benefits, many clients find the process of applying for those long-term disability benefits overwhelming.  Our attorneys can handle that for you.  On your behalf, we will submit notice of claim, obtain necessary proof of claim forms, and work with you and your doctors to gather documentary proof of your disability.  Additionally, we will pinpoint any ambiguous language in your claim form that could cause potential problems for you in the future.

Submission of Continuing Proof of Claim: Filing a long-term (permanent) disability claim often means on-going paperwork demonstrating your condition.  When you are disabled, that can be a tremendous burden.  Our attorneys will assist you in gathering, reviewing, and submitting continuing proof of your long-term disability to the insurance carrier.

Claim Representation: Many people are uncomfortable when directly dealing with their long-term disability insurance carriers.  At DeHaan Busse LLP, we will act as your intermediary with the carrier and save you the aggravation.  Our attorneys will handle all communications, host meetings with field representatives, and review all documentation prior to submission.

Independent Medical Exams (IME): Most clients do not look forward to Independent Medical Exams (IME’s).  (IME’s are examinations that are required by your disability insurance carrier to ascertain your condition, and often the doctor conducting the exam is an employee of the carrier.) That is why our firm will coordinate the scheduling of your exam, and send someone from our staff, a registered nurse, to accompany you during the exam.

Review Settlement Offers and Agreements: Even when DeHaan Busse LLP is not involved in or responsible for negotiating a settlement or buyout of your long-term disability policy/claim, we are available to review settlement offers and agreements.

Of course, the attorneys at DeHaan Busse LLP will, if you choose to retain us, negotiate settlement offers and agreements with your long-term disability insurance carrier.

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  • FERS Question of the Week

    QUESTION: How is my high-3 salary calculated?

    ANSWER: Remember that your high-3 salary is calculated upon your base salary, alone. To figure it out, take the average of your highest base pay for any three years of consecutive service. While your highest base pay usually falls in your last three working years, it may be that you earned a higher salary at an earlier period in your federal career. If this is the case, your high-3 will be based upon that higher number.

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    • Why Disabled Clients Should Worry About "Independent" (Insurance) Medical Exams (IME's) February 4, 2012
      If you become disabled, one of the things the insurance carrier may demand is that you submit to an Independent Medical Exam, or IME. Most people assume that this examination is impartial because the word independent is used in the title. However, that could not be further from the truth. In fact, it would be a lot more accurate to call the exam an Insurance […]