We are an independent, full-service broker entering our third decade specializing in partnerships and corporations within our niche specialty of group and individual disability insurance, long term care, and group life insurance. By listening to our clients and leveraging our knowledge of an often-complex market, we help surface company objectives to develop the highest quality, most cost-effective benefit offerings available. Our carrier relationships, depth of expertise, and proven enrollment results have made us the premier consultant in the U.S. for these plans of insurance.
Upon retention as your firm’s broker of record, TBG West will conduct a thorough review of your existing plans, including coverage provisions and pricing, as well as peer benchmarking. After establishing a dialogue, we will walk you through our recommendations.
We work with the insurance carrier to audit all monthly billing statements for accuracy. The monthly audit includes updates for all terminations, new coverage updates, and any changes in coverage. Billing statements are provided in your chosen format and can be customized to meet your needs.
We walk each partner through their claim from start to finish. We employ customized, carrier-approved TBG addenda to provide additional detail regarding occupational restrictions and limitations, doctors, medications, etc., and we often work with insureds to improve their claim submissions.
Filing a long-term disability claim can be a complex process that requires careful attention to detail. To successfully claim benefits, you must provide comprehensive medical evidencedemonstrating that your condition prevents…
Term life insurance policies are not set-and-forget financial products . As your life circumstances change, it’s crucial to review and potentially update your coverage. . Major life events such as…
While long-term disability (LTD) and long-term care (LTC) insurance serve different primarypurposes, there can be some overlap in their benefits. LTD insurance focuses on replacingincome when you can’t work, while…
The elimination period, also known as the waiting period, is a crucial component of long-term disability insurance policies. This is the time between when you become disabled and when you…
Let’s talk today, if you have questions or would like to learn more.
