1. Probate of an Estate

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   Allow us to assist you with your loved one's affairs. Handling a loved one's estate after he or she is gone can be a difficult and confusing process. Although the State of Michigan has streamlined probate rules, clients often become frustrated by the process.

2. Why Should We Avoid Probate Court?

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   ● Probate Can Be Very Costly
   ● Probate Creates Long Time Delays
   ● Probate Is A Gross Invasion Of Your Privacy

3. Protecting Marital Assets

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   Husband and wife were married for thirty-five years. Husband was nearing retirement from his job with Detroit Diesel. Two years prior to husband's retirement date, wife was diagnosed with Alzheimer's disease. Before wife's disease progressed, husband retained us to plan for his wife's disability and to ensure that he could afford his wife's care without jeopardizing his retirement.
   
   By simply executing a Trust for estate planning purposes, the couple was also able to take advantage of a key Medicaid planning technique; and, as a result, when the time came to admit his wife to a nursing home, husband did not have to sacrifice his life savings to provide his wife with the quality of care she deserved.

4. The Concerned Spouse

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   Wife and husband lived modestly throughout the years. Tragically, after turning sixty-five, husband suffered a severe stroke rendering him incapacitated and dependent upon others for his care. Although wife was extremely healthy, she became deeply concerned that she would have to care for her husband on her own because their life savings of $400,000.00 would be spent over the course of the next five years, leaving her with nothing to maintain her quality of life.
   
   After discussing several strategies, wife decided to employ an aggressive Medicaid planning strategy consisting of serial divestment and funding a Medicaid Qualified Annuity. As a result, wife protected their joint assets without sacrificing wife's retirement and quality of life.

5. Long Term Disability Applications

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   We assist you with your initial claim filing, gathering medical and other support for the claim. We manage the claims process by addressing the insurance company's requests for additional information including medical examinations or interviews.

6. ERISA Administrative Appeals

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   First, when a group disability claim is initially denied, we obtain the claim file and prepare a thorough administrative appeal of the claim, including obtaining medical, occupational, and legal support for your claim. Our efforts both serve to convince the insurer to reverse its denial of the claim, and reinforce the administrative record that a court views if we are forced to file a lawsuit. We have successfully convinced the insurer to reverse its decision at this early stage.
   File lawsuits against Insurance companies. If the insurance company still refuses to pay your claim, we will file a lawsuit on your behalf to make them pay the improperly denied benefits.

7. Disability Claim Litigation

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   Your Claim has Been Rejected - Now What?
   
   Your disability insurance premiums have been paid for years and now you have a serious injury or illness. You need to collect your long term disability benefits, but the insurance company refuses to pay.Now what?
   
   What To Do
   
   Don't wait to get help. You need to find a good disability insurance lawyer right away to help you with your claim.
   
   Not all lawyers are created equal . You should find an experienced and competent disability insurance attorney to protect your rights and assist you with your claim. Not all lawyers have the necessary expertise and experience to handle long term disability insurance cases.
   
   Knowledge is power. The more knowledgeable we become about your claim , the better we can evaluate the  denial and develop a plan to make them pay. We obtain your claim file as soon as possible from the insurer to determine what information they reviewed and to gain a better understanding of the reason you have been denied. You can rest assured that your rights will be protected.
   
   We try and get your doctors involved. Your treating physician can provide the most powerful evidence that your benefits should be paid. Many times your doctor is more than willing to help.
   
   If possible, we also try and get your employer or co-workers involved. Many times your employer recognizes that you cannot work and believes you should receive disability benefits. We have found that a team effort most often produces the best results.

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