When someone has a disability policy and then becomes disabled, one of the most important things they need to do is properly complete the disability claim process and application. I urge all of my brokers: When one of your clients becomes disabled, give me a call before they process and send in the disability claim form. Let me allow you to take advantage of a process by which we’ll make sure your client is properly filing their claim, because it is not just about their disability but it’s about how the claim is filed. Years ago we had a client who complained that his insurance company wasn’t paying him, even though he was receiving money from Social Security for his disability. After some investigation and communication back and forth, it was determined that there were questions on the claim form that the company required to be completed.