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My LTD insurer denied my LTD claim. Now my employer has hired a Consultant to help me appeal my LTD claim and that consultant mentions an independent medical evaluation. Thoughts on my protection?

Be very careful with relying on such a consultant. Appeals are generally useless. They have no teeth in forcing and insurer to change their position. Please call or email me at my contact info below and we can discuss your situation at no charge.
Sivan Tumarkin
Direct Tel (Toll Free): 1-888-990-9646     Email:     Web:
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