Berkshire Approves Application for Disability Benefits to Sales Manager

Our client, an accomplished outside salesman, had built a stellar reputation in his industry after building his company over a period of many years and then after he sold the business to an international company, and continued to work in his capacity as a salesman. Throughout his entire career he was always focused on building relationships with his clients and despite his role as the owner, was always traveling himself to ensure that his relationships with his clients would continue to prosper. He was the definition of a hands-on business owner and employee. However, his drive and dedication to his business and life’s work did not come without a cost. The years of constant movement, stress, and long hours eventually resulted in multiple back and neck problems. At first he was able to push through his problems but as time passed on the problems began to accumulate and worsen leading to a plethora of orthopedic issues to including multiple herniated discs with associated cervical and lumbar radiculopathy. The pain levels he was experiencing were nothing short of excruciating and were only compounded by his non-stop traveling, driving, and the myriad of physical duties required in his work. Coupled with strong pain medication that negatively affected his cognitive ability he was soon faced with very little choice but to take a leave of absence from his lifelong career to focus on his health.

The application.

Our client was fortunate enough to have listened to his agent many years ago and purchased individual disability insurance coverage through Berkshire. Pre-occupied with his health and concerned with making sure that his disability application was presented to Berkshire in such a way to ensure his claim being approved he was referred by his insurance agent to Attorney Stephen Jessup. In the process of preparing our client’s application for disability insurance benefits, Attorney Jessup and our client met on multiple occasions to review the policy documents, medical records, occupational and financial information in order to gather and analyze all information that Attorney Jessup knew from experience would be required by Berkshire in order to process our clients claim as quickly and efficiently as possible.

As we have indicated on our site, Berkshire Life (or as often referred to as Guardian) is one of the most reputable individual disability insurance carriers. This reputation is due in large part to their thorough reviews of disability claims and their heightened attention to detail. Having handled numerous applications and disability claims with Berkshire, Attorney Jessup knew what information Berkshire would require to process our client’s claim. This information goes well beyond the application/claim forms provided by Berkshire to include medical records for a certain period of years, occupational information relating to job duties in which material duties are determined, and financial information used to not only verify employment and occupational duties, but also to establish any potential residual disability benefits to be paid. In turn, Attorney Jessup and our client were able to work quickly to gather the requisite information needed to fully and expeditiously process our client’s disability claim.

While the final pieces of information requested from our client were pending, Attorney Jessup provided notice to Berkshire of our client’s intention of filing a claim for disability benefits. True to form, Berkshire acknowledged our office’s representation the same day and forwarded the necessary application documents. However, given our extensive experience with Berkshire we had already been in possession of claims forms and had the documents completed and ready to submit prior to notifying Berkshire.

The approval.

Upon receipt of the final information requested from our client, Attorney Jessup submitted our client’s entire application package to include not only the requested claim forms, but also our client’s medical records, financial documents and occupational information. Although, Berkshire made several additional requests for information/clarification after the application was submitted, Attorney Jessup was able to present the claim and provide all information in a manner that we secured a notice of approval of our client’s claim prior to the end of the policy elimination period, which ensured that our client received his first benefit check as of the first day benefits were payable.

When working with Berkshire it is crucial to be organized and detailed as it relates to your disability claim. If you have a long term disability policy with Berkshire and are contemplating filing an application for benefits or are at any stage of the claims process with Berkshire please feel free to contact our office and speak with one of our disability insurance attorneys.

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FAQ

Do you help Berkshire claimants nationwide?

We represent Berkshire clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Berkshire disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Berkshire. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Berkshire.

How do you help Berkshire claimants?

Our lawyers help individuals that have either purchased a Berkshire long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Berkshire:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Reviews   *****

Regina W. (North Carolina)

First and foremost, I believe in letting others know about truthful and relevant experiences.

I was represented by Mr. Jay Symonds, Attorney. My team consisted of Mr. Symonds and Ms. Sonia Nogueira, Paralegal. I can say that these two are hands down a team to reckon with and I am eternally blessed they were assigned to my case. They both understand Client Customer Service, are compassionate, and being responsive to the client’s needs. Mr. Jay Symonds was well versed in matters as he has worked on both sides, defending and representing, when dealing with disability matters. Lastly and very important, Mr. Jay Symonds absolutely pays attention to details on your case.

I have had dealt with several Attorneys in my various matters and I believe and thru their ACTIONS of DOING, Mr. Symonds and Ms. Nogueira are the epitomai of what an Attorney and Paralegal team should represent. I never had to inquire about the status of my case, they always were on top of matters. They were both forthcoming, relevant, honest, and realistic in the facts, and what could be ultimately be achieved in my case.

What is most important, and unless you have experienced the bad and ugly in legal matters, you will not appreciate this firms work and work ethics. No one should have ever had to deal with matters like I have PRIOR to myself retaining this firm, however, life is not perfect.

All my dealings were via mail, phone calls, and emails and this made it very easy to communicate. This team was very well organized and proactive! This is absolutely KEY in handling ANY case!

It is about what can realistically be accomplished and achieved and resolution and not promises or false hopes in what could come of your case. I will say that what you as a client puts into your case is also very critical and relevant. Always be forthcoming, honest, and keep your Attorney team updated. It is a TEAM effort by all parties involved and my personal experience with this Mr. Jay Symonds and this firm was pleasant and successful.

Thank You both for all your efforts and determination to see my case to a successful resolution.

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