Some lawyers do not charge for a first visit. Insurance companies and SS frequently deny your first claim automatically and you have to be persistent. Our policy had a clause that once SS was approved they only covered the difference between the terms of the policy and SS disability. There are many buzz words your doctors need to use on your appeal. Keep you chin up, turn it into a game and keep dogging them. Once approved , insurance payments should be retroactive to the date of your first claim.
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