Resources

> APPEALING YOUR HEALTH/DISABILITY DENIAL

• Things you SHOULD DO

• Things you Should NOT DO

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> IAEDP Resources

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> Calfornia Department of Insurance: CONSUMER GUIDE: LONG-TERM CARE INSURANCE

> California Department of Insurance settles with Hartford - No more "Discretionary Clauses" in Hartford's disability insurance policies

> California Department of Insurance finds that "discretionary clauses" in disability insurance policies are illegal under California law

> California Insurance Commissioner Garamendi withdraws any approval of disability insurance contract forms forms containing "Discretionary Clauses"

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> PowerPoint Presentations

NEDA 2011 Presentation, Los Angeles California

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We have successfully helped hundreds of clients with disability and health insurance claims.