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

This is an interesting area of my business that is a niche that I developed years ago by taking care of issues with life disability and health and health insurance.  Many people don’t know their even have an issue until I’m involved with the situation on another issue completely.

I was referred somebody for Social Security disability which I filed for the enduring the following for that Social Security disability benefit I read to his exit interview paperwork from his previous employer and found that he had a life insurance benefit that he did not take with him. He said that it was because he couldn’t afford it. I asked for the contract of the group life insurance to make sure it had a waiver premium benefit. We reinstated the life insurance 11 months after it was terminated 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 and was retired and continuing to pay for it. I said it wouldn’t pay if you retired and I got company to retroactively pay him back for two years where the premium which was about $26,000.

Another referral had three different disability policies and I I got the insurance carrier to go back a year and a half on all three policies 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.

Thomas Murphy