What You Can Expect FRED PRESCOTT, MD and Team
Affiliates to Assist You With on a Continuing Basis

1.  Advise and prepare for you, exactly and completely, all claim forms and other Insurance Company requests.  DO NOT COMPLETE ANYTHING until we have had an opportunity to advise you how to complete the particular form or request.  DO NOT ANSWER ANY TELEPHONE CALLS, WRITTEN REQUESTS OR PERSONAL REQUESTS from the Insurance Company unless you have contacted Fred Prescott, MD and Team Affiliates.

2.  We will assist you and actually participate with you and your attending physician so that all claim forms are filled out correctly and in your best interest.  We will present your disability in the best light possible for you to prevail and receive your disability insurance benefits on a continuing basis.

3.  Independent Medical Exam (IME): We will provide advice.

4.  Pre and Post Disability Issues & Forms:  We offer complete assistance

5.  Objective and Subjective Symptoms:  We offer complete assistance by Fred Prescott

6.  Complete professional review of your Disability Policies, their benefits, etc. and problem areas.  This will be in writing, as requested.

7.  How to deal with Partial vs. Permanent Disability.

8.  How to handle a Terminated Disability Claim.

9.  How to consider an Insurance Company Buyout.

10.  Any other issue you wish to have Fred Prescott and Team consider.  We are available 24/7 at toll free 866-898-3544 or by email: Fred@FredSPrescott.com

WHILE WE CANNOT GUARANTEE SATISFACTION
REGARDING YOUR CLAIM, WE ONLY
PARTICIPATE IN VALID CLAIMS AND WILL
PURSUE THEM VIGOROUSLY FOR YOUR
BENEFIT.  WE ONLY ACCEPT VALID CLAIMS
BASED ON
DOCUMENTED RECORDS.

What Questions Should You Consider
Before Filing a Disability Claim

1.  Does your disability have the potential of inflicting harm or inadequate care for your patients/clients, etc.?

2.  Does your disability inhibit you from providing the standard of care you should provide?

3.  Does your disability affect your effectiveness in providing your service to your patients/clients?

4.  Should you consider a partial or total disability?  You will need help on this so contact Fred Prescott, MD and Team.  Do you want to supply 12-20 months of your appointment book and photo copies of your tax returns?  You need to have assistance!

5.  Independent Medical Exams

6.  Functional Capacity Exams

7.  Monthly Progress Reports – this is a real killer!  You will need assistance on this aspect.

8.  Your lifestyle, social, sports, etc. after you are on disability – you definitely will need assistance with this.  Call Fred Prescott, MD and Team.

9.  Insurance Contract conditions, reviews, language, interpretation, “Own Occupation” clauses!!!

10.  How to communicate with the Insurance Company.  This is basic and you will need assistance.

Most important:  DO NOT do it by yourself.  You are against a vast array of legal and Insurance Company experts that want nothing more than to deny your claim.

Go to a qualified Disability Claim Consultant such as Fred Prescott, MD.  Give him a call at no charge, toll free 866-898-3544.  He will review and discuss your case/disability with you and will spend adequate time with you so you understand the process.

REMEMBER: 

THE INSURANCE COMPANY DOES NOT
HAVE YOUR BEST INTEREST AT HEART!!
THEY DO NOT WANT TO PAY YOU BENEFITS!!
WITH PROFESSIONAL DISABILITY CLAIM ADVISORS
ASSISTING YOU WE CAN PREVAIL ON VALID CLAIMS!!

What to Watch Out For When
Filing a Disability Claim

1.  Do not file a claim without assistance from a valid Disability Claim Consultant such as Fred Prescott, MD and Team.  To do so is definitely not in your best interest.

2.  Know about:

a.  Field Investigations
b.  Video Surveillance
c.  Insurance Company ordered Independent Medical Exam
d.  Functional Capacity Tests
e.  Insurance Company CPAs
f.  Telephone calls from Insurance Company – VERY IMPORTANT!!
g.  Your attending physician’s statement regarding your disability.  This is an EXTREMELY IMPORTANT PART OF YOUR DISABILITY CLAIM PROCESS.  You can depend on Fred Prescott, MD to review, comment and correct.  Rest assured, this statement is for your best interest!!

What You Need to Know About
Video Surveillance and Field Investigations

1.  Video Surveillance (VS) and Field Investigations (FI) provide a basis for the Insurance Company to deny/terminate your disability claim.

2.  What to do if you suspect VS?

3.  What to do if you suspect FI?

4.  What to do regarding a request for an Insurance Company Independent Medical Exam (IME).  This MD is hired by the Insurance Company – is this in your best interest?

5.  What to do if an Insurance Company requests a Functional Capacity Test/Evaluation?  It is a clever test that may last up to 4 hours.  You should not allow it.  Contact your Claim Advisor and decline participation.

SUGGESTION:  Use Fred Prescott, MD and his team as Disability Claim Advisors/Consultants so as to deal with the Insurance Company on an equal/firm basis.  Fred Prescott, MD and team work only for you, have multiple years of successfully helping clients obtain full payout of the disability claim, successful buyouts, consistent and continued follow-up/advice/consultation during the entire disability claim process.

Questions to Consider if You Are
Contemplating a Disability Buyout

1.  Definition:  Insurance Company offers a single lump sum cash settlement now.

2.  Why consider it?

a.   Decreased stress
b.   Avoid Insurance Company tactics
c.   Need for money now – instead of the future

3.  Why not to consider it?

4.  How to deal with it? 

a.  Insurance Company contacts you
b.  You contact Insurance Company

• How to deal with “low ball” offers
• Threats, Promises, Intimidation process used by Insurance Company
• Video Surveillance
• Field Investigations
• Is there a COL (Cost of Living) benefit in your disability policy?
• Interest Factor used
• Mortality and Morbidity Factors used to further reduce your payout
• Profit Margin for the Insurance Company – Not in your best interest!!!

5.  Who should you consult when you are contemplating a Buyout?

a.  Actuary – hard to find
b.  CPA – limited or no experience in this field
c.  Attorney – high fees, experience in this field??
d.  Disability Claim Consultant – your best bet!!  Correct, objective advice for a reasonable fee.  Peace of mind plus an adequate agreed on settlement is the goal.

Additional Comments on whether to Settle or Not to Settle
with Your Insurance Company

1.  Industry Jargon/Words:

      a.  Present Value
      b.  Future Potential Benefit
      c.  COLA – Cost of Living Adjustment

2.  Calculating the Settlement

3.  Buyout Options

      a.  Pros
      b.  Cons  - who can you trust to help with the buyout?  Actuary, CPA, Attorney or

           Disability Claim Advisor

Disability Insurance Claim Form Facts,
Advice and Comments

By:  Fred Prescott, MD Disability Claim Consultant

1.  Do not complete any claim forms by yourself without assistance.  It will definitely prejudice your claim and rights.  I cannot stress this enough that to have a valid Disability Claim Consultant, Fred Prescott, MD and Team, assisting you is a more prudent way to approach this process.

2.  Your attending physician can also prejudice your rights.  This happens frequently.  Call Fred Prescott, MD and his team for advice, consultation and to assist you.  This is extremely important for you to collect your fair proceeds from your disability policy.

3.  Independent Medical Exam (IME): Wide open – you will need professional assistance from Fred Prescott, MD and Team.

4.  Pre and Post Disability

5.  Objective and Subjective Symptoms – contact Fred Prescott, MD and his Team.