Disability Claims

Matson, Driscoll & Damico has extensive knowledge and experience dealing with the financial and often emotional impact of disability claims. 

Our skilled professionals rely heavily on fact-finding interviews and an in-depth exploration of records to determine a fair and equitable measurement and resolution of these claims.
An analysis of pre-disability personal and business income tax returns is performed for both residual/income replacement and total disability claims, including:

• Identifying sources of earned income
• Determination of pre-disability and current income
• Verification of claimant’s occupation based on financial records
• Pre-disability income trends
• Business ownership percentages and any change therein
• Sales or disposal of business investments
• Other life changes such as marital status or relocation that may affect income

For residual/income replacement claims, MD&D conducts an analysis of other financial records such as monthly profit and loss statements, pension or profit sharing plan documents, and employment contracts, among others. 

For total disability claims, MD&D performs an annual review of income tax returns to monitor changes in income.

Disability business overhead claims require MD&D to review pre-disability business income tax returns and conduct a review of monthly business expense documentation to determine eligible expenses.

For disability buyout or buy-sell claims, MD&D performs a review of shareholder or partnership agreements to verify an agreement was in effect prior to the claim,  to confirm current ownership, and to evaluate the claim in accordance with the policy.
MD&D professionals can also assist analysts in offering detailed explanations as to the complex financial aspects of each claim and can provide expert testimony. Other related services include interest calculations and staff training seminars.