DGS Benefits, Inc does a wide array of advocacy work across the following lines of insurance:
- Life Insurance
- Disability Insurance
- Employee Benefits
- Social Security Disability
- Social Services
We will advocate on your behalf by representing your best interests in any insurance matter listed above. Call Thomas Murphy today at 201.321.3031 for immediate assistance!
Advocacy Case Studies
It is an exciting area of my business that became a niche developed years ago by taking care of life insurance or disability and medical problems. People don’t know there is even a financial gain to be uncovered until I am working on something else.
Working on a Social Security disability case, when I read the exit interview paperwork from his previous employer and found benefits he was eligible for, he couldn’t afford it a life insurance benefit. I asked for the group life insurance contract to make sure it had a waiver premium benefit. We reinstated the life insurance 11 months after termination, and the death benefit was $130,000. Additionally, the policy read that he had accelerated benefits which entitled him to 75% of the death benefit upfront.
Another case with a client who had private disability insurance was retired and continuing to pay for it. I said it wouldn’t pay if you quit, and I got the company to retroactively pay him back for two years, where the premium was about $26,000.
Another referral had three different disability policies and got the insurance carrier to go back a year and a half on all three approaches for waiver premium. She shaved $18,500.
Every situation is different, but I will do my best to find a resolution to whatever challenge you may be facing.