Testimonials

October 8, 2023
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Hi Art!

I wanted to take a moment to let you know that UNUM paid my claim. It started last month. I don't know if that would have happened if not for you. I really appreciate your time, expertise, and wisdom. I am very grateful for your help.

I wish you well!

Respectfully

DDS PhD

July 14, 2021
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Hi Art,

Long time no talk.

Hope all are well and you have done well with the pandemic. My family is fine.

Just wanted to let you know that benefits will end in October upon my reaching age 65. Is there anything I should do or not do at this moment?

I also want to thank you for your support during this period (2004 to present). You gave me the confidence to navigate this trasition.

My initial goals were met:

• · We stayed on our 50 acre farm

• · All the kids stayed in the private schools they were in and went to the colleges of their choice. All graduated debt-free, one got a master's degree in Finance and two have graduated from medical school and are in their residencies. All my kids have jobs and are supporting themselves.

• · We stayed solvent (just barely at times)
• · My wife and I are still married after 31 years
• · Pension has done well, but not enough for retirement yet
• · I work as an addiction doctor. Have since become certified in Addiction Medicine
• · I got a Master of Healthcare Delivery Science in 2019. It hasn't paid for itself yet but I am working with another grad on a nascent project that may have legs.

 

Blessed for sure, not bragging., Just to let you know you played an important role and I owe you thanks. I'd be pleased to hear from you.

D.O., M.H.C.D.S.

Addiction Medicine, Healthcare Strategy

December 22, 2020
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Art,

I just wanted to send you a note of gratitude this holiday season. I am so thankful to have you in my life. I find myself smiling and thinking of you every time I stop in the middle of a meal or a cup of coffee to heat it to a steam.

I wish you and your family the happiest of times during the holidays and all the days to come.

Thankful

October 5, 2020
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Hi Art,

Hope you and your family are well. Since this $3,000 check brings my balance to zero, I wanted to thank you again for your help. Trying to navigate the disability claim with the insurance company was very stressful. Your knowledge and experience made the whole process easier and less stressful. You knew exactly what the insurance company was going to do and say. That was very comforting to me.

I am so grateful for all your help and support. I could not have done it without your assistance.

Thanks a million!

April 24, 2020
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Art,

Thank you very much for your expertise and guidance. I am blessed to have you on my side.

DDS

April 16, 2020
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Art,

Thanks again for your quick response, expertise and concern. You are truly the best!!

With warmest regards,

DDS

March 3, 2020
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Hello Art,

RE: Article in RDH magazine

I was so pleased to see your recent article in RDH magazine. I am one of your many success stories, as you were my consultant over many years helping me with my disability claim.

Your article was right on. Like many others, I was unprepared for the tactics used by my insurance company. Your help was invaluable. I successfully collected benefits for ten and a half years until my policy ended when I reached age 65. The first several years were very stressful. My insurance company tried multiple ways to deny benefits that were due to me. There were astounding medical reports from physicians who were hired to review my records (without even meeting me) who reported I was able to work in direct conflict of my own doctors' test results. My claim handler once phoned me and told me to look for a job because my claim was about to be denied, then would not verify the conversation in writing when I requested her to do so. These are just two examples of the intimidation and underhanded tactics used.

You were always available to advise me and help with the many forms that I had to fill out. So, I was glad to see that you are still helping other dental hygienists navigate this treacherous system.

Thank you,

Dental Hygienist

August 28, 2019
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I wanted to take the time to thank you for the expert help and guidance you gave me over the last year. The process of working with the insurance companies is complicated and it is very easy to make a mistake that can cost you thousands of dollars in lost benefits. Your assistance made what otherwise would have been a very stressful process into a very manageable experience.

I would recommend anyone who is applying for insurance benefits to hire you immediately. If anyone is concerned about the fees you charge I can assure them you are worth every penny paid and more.

Sincerely,

DDS

August 16, 2019
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

It is a shame that dentist have disability policies that you literally have to fight with the companies, or at the very least find out when you submit a claim, that they are against you - not for you. That is reality and if you don't have Art in your corner ... well good luck.

I was referred to Art by a colleague and there is no way that I would have been successful with my claims without him. Starting with him educating me about what I would be up against and the process, to the details that helped me with the applications and myriad of forms, to being accessible "nearly" 24 hours a day, Art's wealth of knowledge is immeasurable! There are so many steps and pitfalls that we as dentists don't have a clue about and if I hadn't had him to go through this with me, it would have been nearly impossible to avoid receiving denial.

There are so many things that Art helped me with along the way, literally every step, so I can't imaging anyone not having Art to deal with the disability insurance companies. He told me what they were going to do before they did it and he prepared me for the tricks and typical wording that would confuse anyone. For me, knowing that I had someone who really had my back helped me keep going. Even though the stress was high, I know it would have been "so much worse". Guardian Angel is what I call Art. Don't hesitate to hire and work with this man. His success fee is absolutely more than fair and worth it. I will gladly refer clients to Art.

Dentist

May 12, 2019
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

As I age and approach the end of my tax free disability payments in 3 months, I wanted to send you a short note of THANKS. With your assistance, I filed a claim on my disability insurance through Provident Unum for progressive osteoarthritis. Your knowledge and coaching in written and verbal commmunication to Provident Unum has proved successful as they rarely challenged the documentation or sought to deny my claimed benefits. Unum has paid my monthly benefits on time, every time which has helped me through a personally challenging time during the past 9 years. Thank you, again, Art.

Persevere,

DDS, MAGD

January 15, 2019
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Thank you so much for helping me out with the arduous process of filling out the disability paperwork. I would not have been able to do this without your constant guidance and hand holding.

No words of mine are enough to express my sincere, heartfelt thanks and gratitude.

Wishing you and your family a very happy, healthy New Year.

September 27, 2018
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Mr. Fries,

Thank you so much for your invaluable mentoring these past several months.

It has been a very challenging time in my life and your help has meant a lot to me. I can never thank you enough. You are amazing at what you do and I am grateful to have had the chance to work with you so closely.

God bless you. Always thankful.

August 6, 2018
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Thank you, Art,

I greatly appreciate your speedy response! You have me spoiled! Your services have been incredible. Thanks for making such a difference in my life!

July 9, 2018
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Art,

I have to say that going through this process with you by my side and having my back is something I'm so grateful for.

The minimized stress, the confidence in dealing with the Insurance Reps, I.M.E. Doctors, paperwork and the endgame success we achieved was all thanks to you, Art.

We are forever thankful for you!

June 8, 2018
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Art,

Thank you so much for your help and guidance filing my guardian claim. I was so scared and miserable for so long and had no idea what to do until I met you. Your guidance through the maze of the disability insurance has allowed me a second chance at my life - I want to make it count!

January 21, 2018
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

I was introduced to Art Fries through a fellow colleague who had worked with Art in applying for disability benefits. Art was able to help this colleague navigate the disability process and had a successful outcome.

When it came time for me to apply for medical and financial benefits for my compromised health, Art was also available to help me with the application process. Applying for disability benefits is quite a daunting task, but Art was able to walk me through step-by-step. He is so proficient with the process that he was able to tell me every action the insurance company would take before it happened. Qualifying for disability benefits means that the insured has suffered catastrophic life changes. On my darkest and worst days Art had a way of encouraging me to keep pushing forward. After the first year he even called to check in and see how everything was going and gave me more advice.

Art’s success fee was extremely fair. I have been told that attorneys will charge as much as 60% of the benefits. Art kept his word not only on the advice and guidance given, but also in the final fee. He then gave me some great insight into the SSD process.

I have already given Art’s information to other colleagues and will continue to do so.

Dentist, DDS

January 2, 2018
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Wishing you and all your loved ones a most joyous and healthy 2018. It has been a pleasure to work with you! I appreciate your professionalism, knowledge and expertise! You have made an incredible difference in my life. It is so refreshing to know that an individual like you is true to his word and that we could work together with an honorable "word of mouth" agreement.

Thank you and many blessings,

Dentist, DDS

September 28, 2017
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Words could never express my gratitude for all of the help you provided in the filing of my disability claim. Over the years I had heard so many nightmare stories of insurance companies denying legitimate disability claims. A number of my personal friends suffered this same fate. I remember seeing a”60 Minutes” investigation many years ago on how disability insurance companies were denying all claims as a matter of practice. I have to admit that all of this had me pretty wound up. I knew I had to file a claim as I could no longer work, but I was scared to death they were going to deny it and I would have no way of supporting my family. Your years of expertise and wisdom provided me comfort throughout the process. Every question I had, you had a prompt and great answer. As you know, my insurance carrier approved me in record time. They have basically treated me like a king. I knew my medical records supported the severity of my condition, but I had no faith that my carrier was going to do the right thing. There is no way my claim could have gone this smoothly if I had attempted it on my own. Your expert advice on how to navigate the forms, provide them a historical narrative of my struggles and present the whole thing in a complete package was priceless!

For anyone reading this, I give Art my HIGHEST RECOMMENDATION! In addition, he is very personable, funny and a pleasure to work with. I now consider him to be my good friend.

Once again, Art, I am eternally grateful for all of your help!

Blessings,

Doctor of Chiropractic

August 27, 2017
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I cannot thank you enough for all the help through such a tedious process. Even though I had started my disability claim before I called you, I feel that I would not have made it through without your help. Almost from the beginning, it was obvious that the process was not going to be easy. I’m not sure that there could be anything more stressful than trying to deal with an insurance company while you are in physical pain, along with the guilt and embarrassment of not being able to work. From the beginning, letting me know what was the typical drawn-out process the insurance companies put their customers through, allowed me to relax and not feel that the claim would never be paid. Your checking all my correspondence with the insurance company before I sent it in to make sure that I had filled everything out and worded it correctly, was so invaluable in making the process bearable.

I would also like to thank you for your prompt responses to all of my emails and phone calls. In today’s world it is almost impossible to get anyone to answer correspondence of any type. Not only did you answer every time, you did so almost immediately.

Lastly, I really appreciate your organizational skills. From the initial package that you sent me to the organization of all my correspondence with the insurance company, you really put me at ease, feeling that I do not have to worry if the insurance company would eventually live up to their responsibility and finally pay their claim. The stress that I was saved from was well worth the extremely fair compensation to you. My only regret is that I did not find out about you when I initially started my claim. Thank you so much again.

Sincerely,

DDS

August 19, 2017
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Hi Art,

I finally received correspondence from the company stating that I have been approved for full disability benefits, along with a check for those benefits. I will scan and send you copies of each. Once I get that over to you, let me know what I owe you. Thank you for all your help navigating through this arduous journey. Dealing with all the medical issues along with the stress the insurance company puts you through, I’m no sure that I would have survived without you!

July 17, 2017
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

It’s been a year since the day I received the call from my physician’s office, saying that “the doctor needed to see me right away” to discuss the results of what I thought would be a routine MRI that showed a bulging disk, or something else unpleasant but treatable, to explain my increasing lower back pain. As a dentist with over 30 years at the chair, I had learned to live with the various aches and pains that most dentists experience at one time or another in their back, shoulders, and neck. Little did I know what a roller coaster ride I was embarking on…

The doctor showed me a print from the MRI of my lumbar spine and sat back, saying “I have no idea what that is, but it doesn’t look good”. A tumor the size of my little finger stared back at me. We talked about needing to find a neurosurgeon with spinal oncology experience asap, and off I went, in a bit of a daze. My busy 13 employee practice was about to find out what being a “high-performance, self-managed team” really meant, as their doctor was about to be out of commission for a while.

To compress this story into a reasonable size, I quickly had a complete MRI study, with and without contrast to rule out other higher up tumors, researched and selected a neurosurgeon, and informed my team of the upcoming events. My surgery happened just a few weeks after the initial MRI, taking two surgeons, working with microscopes, 7 12/ hours. Fortunately, the tumor was determined to be benign, and was able to be completely disentangled from the nerves in the L2-4 region, for which I am exceedingly grateful.

It soon became obvious that the post-surgical defect, along with deteriorating disks and other issues with my hip and shoulder, made continuing as a general dentist impossible. The search for a suitable buyer for my practice was initiated. With two sons in private college, my stress level about family finances was peaking at this point. Fortunately, a group of colleagues stepped forward to volunteer to keep my practice open part-time during my estimated 3 – 4 month rehab while I sorted out my options.

The other fortuitous event was connected to my propensity to file paper. I had torn out several articles written by you over the years in various dental publications, regarding disability insurance claims, and put them with my policy documents. I had purchased a policy almost 20 years earlier, and had plenty of time to reread your articles, pull out my policy and eventually give you the first of many calls about my situation. Denial that this was the end of my general dental career was one of the areas you helped me work through, and eventually I gave up my ‘superman’ cape and realized my body simply couldn’t do it anymore.

I’m so glad I kept your information, as the process of filing a claim, and the sheer volume of paperwork and other documentation it requires is mind-boggling. Without your expert guidance, I’m sure I would have inadvertently filled out some forms wrong, or given innocent, yet complicating answers. It was ultimately treated as a straightforward claim by the insurance company. In a large part, I think how smoothly the claims process went for me overall was due to your guidance and coaching.

Thank you so much. I am working part-time in a related field with my medical colleagues in a role that does not require the contortions and awkward postural positions of a general dentist. The monthly support of my successful disability claim has been a huge blessing toward replacing a significant part of my pre-surgery income. Anyone who is facing filing a disability claim should not even consider attempting it without someone like you in their corner.

All the best, and again, my heartfelt thanks for your expertise and coaching on how to traverse this unexpected transition.

Most sincerely,

DDS

January 17, 2017
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I just wanted to thank you for all your help in dealing with my 2 personal disability insurance companies and succeeding flawlessly with both! I would have had NO idea how to fill out the myriad of forms properly! My incorrect descriptions and answers to those numerous questions would undoubtedly have led to delay, if not rejection, of my claims! Your help and professionalism guided me properly through this painstaking process to ultimate success! I will certainly recommend you to any friends or family who may be faced with a disability issues such as mine.

Best regards,

DMD

January 3, 2017
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

I am writing to attest to what an asset Art Fries has been to my disability process. I am a 55 year old dentist who, due to cervical spinal stenosis, lost feeling in my right hand. Art was recommended by my accountant and has been invaluable throughout the entire process.

When I initially hired Art he evaluated my disability policy and reviewed the coverage with me, making sure I fully understood my benefits and any possible loopholes. When it came time to file my claim he had specific ideas and examples on how to go about that, from the application itself to medical reports to detailed narratives. I feel some of his recommendations, especially the added narrative, made acceptance of my claim more straightforward than it possibly could have been. Art reads and reviews everything one submits to the insurance company prior to doing so. His critique of the application and his availability for any questions along the way, brought much comfort and decreased my uncertainty. After being in this business for many years, Art knows what the insurance companies are looking for and has great advice on the appropriate verbal terms to use to be successful.

Going on disability and filing for benefits is an intimidating and stressful process. I felt the insurance company was not working with me, but against me. Having Art on your side gives you an advocate and someone extremely knowledgeable to turn to during an uncertain time. Art has your back through the entire process! Not only that, but he has filing for disability down to a science, one that is thorough and successful.

Sincerely,

DDS

October 28, 2016
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I want to thank you for assisting me throughout the entire process of my disability claim. As you know, I was approved even sooner than was predicted! I do not know what the outcome would have been without your guidance, but am absolutely certain I would never have completed the documents in the correct manner. As a result, my guess is the formalities without your expert guidance would have been much more frustrating and complicated, and my insurance company probably would not have agreed to my claim, or it would have taken much longer to receive approval. It was clear from the beginning you are well accomplished in each intimate detail of a claims process. With me, there was a great deal of hand-holding for which I am grateful; the daunting task was eased each time you promptly responded to my questions both by email and telephone. Thank you for walking me through each aspect of the claims process. I would absolutely recommend your services to anyone who is filing a personal disability claim as I now understand it is far too complex without an expert. Your advice to complete most of the paperwork prior to filing the claim made everything flow easily, and your evaluation of my composition was essential to my claim being handled without flaw. I look forward to working with you as my first year of claim approval will also require your management and advice.

All the best.

June 22, 2016
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Thank you for all of your great work! I can't believe I am looking at this first check. There was not a single misstep along the way thanks to your knowledge and guidance. My symptoms were verifiable and I think that the package was so complete and so well done and not missing anything, that they really had nothing to say except to start the checks when the wait period ended. I expected a fight or at least a tussle, but nothing so far. There is more work ahead with the reviews, but I can't fault them for that.

I will be in touch as things come up. Thanks again for helping me and my family.
D.D.S.

 

February 9, 2016
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I wish to affirm that Art Fries is extremely well qualified to serve as a consultant for any professional (especially those in the fields of medicine, dentistry and the law) who seeks help with understanding, applying to and most importantly enduring the disability claims process.

I learned of Mr. Fries from a long-time friend of mine, who like me, is an anesthesiologist and had a successful disability acquisition attempt approximately eight years prior. My friend, in turn, had learned of Art from a dentist who had been successful in her disability application thanks to Art's expertise. In fact, I think that all of Mr. Fries clients are the result of referrals. Due to the reputation he has garnered, Mr. Fries is afforded the luxury of selecting his clients.

Mr. Fries' precise knowledge of the disability application process comes from his greater than twenty year experience of working in the insurance industry, including disability insurance. Since retiring from that career, he now utilizes his historical perspective of knowing how these policies were intended to work, how they have actually performed and how the insurance companies will behave when engaged. He advises you on every step that you'll need to take, such as which address to which to send your application and reviewing your written responses before you send them.

Secondly, I value that Mr. Fries serves the interest of only one person when you engage him and that is you, his client. I know this first hand because I sought out two different attorneys who specialized in disability claims and I actually hired one (then later fired) of them. They required that you sign a document in which you agree to pay them one-third of the money you may receive.

Whereas, Art charges a flat fee, by the hour, so that you have control of how much money you spend. Also, he is very fair and does not extend the conversations any longer than you require to understand his instructions or to ask questions. The attorney, on the other hand, advised me to give up my medical license as evidence of my inability to work (which Art didn't consider necessary) and he advised me to have a surgery which I wasn't ready to have. It was readily apparent that he was interested in getting his money quickly more than he was concerned with what happened to me in the process.

Additionally, Art is there whenever you may want to re-engage him as was the case with my friend when he needed advice eight years after he had been on disability. Abruptly, his insurance company made new requirements of him and he had grave concerns that he'd lose his disability. Fortunately, he was aided by Art and his fears were averted.

Lastly, I won my disability claim. And, of course, Art has informed me as to what is in store from the insurance company as it inserts more hurdles for me to surmount. You see, there are always more steps involved in order to keep your payments.

Sincerely,

57 year old anesthesiologist

 

December 31, 2015
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I hope 2016 brings you joy & peace.

Your help has spared me much anxiety & grief. I know hundreds, if not thousands, of people have received blessings from your help.

 

October 31, 2015
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I would like to thank you for all you did to help and guide me through the process of filing a claim for permanent disability. Everything went very smoothly and without any problems. I particularly appreciate that you told me that I was entitled to partial disability, as I had no idea my policy covered that. I seriously doubt that the insurance company would have told me about that had I attempted to do this on my own. In fact the
additional amount I recovered based on the partial disability more than covered all of your fees.

Thank you once again.

Sincerely

M.D. - Anesthesiologist

August 22, 2015
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I am a 58 year old General Dentist. I am writing this letter to recommend Art Fries for any professional who is in need of assistance in applying for disability coverage. I can't even begin to imagine where I would be today if I hadn't contacted Art! This is the best decision I have made in my professional life. I have been practicing for the last 30 years. About 4- 5 years ago I began to notice that I was having difficulty making smooth movements while I was working on my patients. As time went on I noticed the tremors in my hands were getting worse. To the point that delivering top quality results was becoming impossible. I knew that I would have to retire from Dentistry. I tried many medications,
exercises and dietary restrictions. Ultimately, I had to come to the realization that I could not continue. It is an extremely daunting thing to give up everything that you have worked to build over the last 30 years. Especially since there is no guarantee that your disability carrier will approve your coverage.

After consulting with Art and having him explain in detail the type of coverage that I had and whether my symptoms warranted a successful outcome, I felt as though a ton of bricks been lifted from my shoulders. The only thing that I was concerned about was being able to support my family financially after retiring. Art spent hours of time with me going over every detail of my policy and what each term meant. Honestly, I purchased the policy over 25 years ago, and I wasn't even sure what was in it. It is a very difficult time when you are forced to retire prematurely, don't try to go it on your own. I cannot emphasize how important it is to have an experienced advocate on your side. Art Fries knows what he is doing. Don't leave anything to chance in such an important situation. Art is a life-saver.

Sincerely,

D.D.S.

July 17, 2015
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Please find payment. Thank you for your guidance. I could never have made it through this maze without it. It was also a pleasure getting to know you while going through this process. It seems today it is harder to find people who are competent, honest and/or likable. You exceed in those traits and it is indeed what made this process painless.

Thanks again.

D.D.S
General Dentistry

October 8, 2014
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

It was really good to speak with you last week. I’m sure you don’t realize how much you helped me.

I had been stressing out about the state of my claim and after speaking with you, my mental state improved immensely. I don’t think a psychiatrist or therapist has helped me as much as you did. I’m sure I’m not the only one who has felt that way.

Again, thank you Art.

Sincerely,

Dentist

June 22, 2014
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

After being in practice for over 35 years I never thought I would ever use the disability that I had purchased over 30 years ago. After developing severe arthritic problems with my right wrist, my right elbow and my lower back, it became too painful for me to practice chiropractic. Not knowing how to really pursue my disability I ran across an ad from Art in one of my chiropractic journals. Realizing my inexperience and my naivety I knew that I needed some help in trying to acquire my disability. After discussing my policies with Art I realize that there's a lot more to it han just filling out the forms.

Art guided me throughout the entire process. Art understands the specificity of the terms, the knowledge, and the ability to make sure you are writing down the right information to acquire your disability. Trying to do this on my own would have cost me my disability.

I can't say enough about his genuine concern to make sure that I was able to acquire my disability. I would highly recommend Mr. Fries to anyone considering filing a disability claim. My claims went through with no questions or problems from any the insurance companies. His exactness and ability to help process the disability claims was greatly appreciated. Thanks Art,I really appreciate all the work that you did to make sure that I was able to acquire my disability claims.

Sincerely,

D.C.

May 8, 2014
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I want to thank you for helping me with the complicated process of filing a disability claim. You have truly been great to work with. The entire process is a potential minefield which you carefully walked me through (successfully) step by step. You answered all of my questions succinctly and in a timely fashion. I feel that your fees are more than reasonable, especially when placed in the context of possibly having one's claim denied.

After my claim was approved (with your help) and after I went back to work in a different specialty of medicine (as my policy allows), the insurance company attempted to prove that I was no longer disabled and not eligible for further benefits. You stuck with me, guided me, and reassured me until the insurance company agreed that I am disabled under the terms of the policy and continue to pay the benefits that I am entitled to. By the end of the entire process I began to think of you not only as a trusted advisor, but also as a true friend who has by best interests at heart.

In short, hiring you was one of the best decisions I have ever made in terms of providing financial security for myself and my family. I highly recommend any professional applying for disability benefits to speak with you first.

Sincerely,

MD

April 4, 2014
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

If you think you are going to complete disability forms and applications on your own, just because you're a physician and you\e been filling these forms out for your patients for years, think again. Or, if you think you can hire an attorney who claims to understand how this process works, think again. Art has the experience and insight into an industry that he worked his entire life in, that is simply unparalleled. He precisely understands how to answer any questions posed by the carrier, within the framework of your specific situation.

There is virtually no contingency he is unprepared for. Save yourself time, money and aggravation, and let Art guide you through this often challenging process.

Regards,

Chiropractor

March 19, 2014
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Hi Art - Just wanted to say how thankful I am to have found you. When it was clear my career was going to end early due to a disability, I had a lot of anxiety about my financial future. I had heard of nightmares people encountered trying to get their disability insurance to pay. Hiring you made the process so easy for me. I don't think it took more than 2-3 months before I got my first payment from the insurance after filing claim. It took all of the stress out of it for me. You obviously know exactly what to do. It was definitely money well spent. Thanks so much for everything.

DDS

Feb 1, 2014
Art Fries
917Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Your advice was invaluable to me in filing my successful disability claim.

I suppose it is common for dentists like myself to suffer the disease of 'I can do this myself '.

In retrospect, I would have been a fool to do this on my own. Thank goodness my wife was smarter, and made me call you!

Quite simply, I didn't know what I didn't know. The wording of my disability contract SEEMED to be common sense, but as I ultimately found out, many 'common sense English language ' words are 'terms of art' within the insurance industry, and their meaning turned out to be quite a bit different than what it seemed to my layman's interpretation. So, for starters, I didn't really understand the contract until you explained it to me.

Then came the application. Again, common sense terms that seemed straightforward in their meaning. But, as you explained to me, each and every question on the application was meant to create a legal record which, later on, would box me in, and prevent me from succeeding in my claim. Answering those questions without your help, would have almost certainly been fatal to my claim. EVEN THOUGH MY CLAIM WAS COMPLETELY LEGIT, their trickery would have boxed me into a corner, from which I could not escape ..

They were trying to get out of paying, even BEFORE THEY MET ME!

Later on, when I was interviewed by the insurance company's representative AFTER HAVING SUBMITTED MY WRITTEN APPLICATION AND SUPPORTING DOCUMENTS, only then did they explain the terms of my contract and the significance of my application answers which was EXACTLY AS YOU HAD TOLD ME. Had I not had your advice beforehand, I would have done great damage to my legitimate claim, simply because I misunderstood the meaning behind their tricky wording.

Thank you again, for your professional and attentive assistance. Your fees were money well spent. I cannot say this too emphatically.

THANK YOU.

D.D.S.

April 2013

Dear Art,

I apologize for the delay but I wanted to put some thought into how I would thank you for all that you have done. As you recall, I am a 49 year old cardiothoracic surgeon with severe cervical stenosis and median nerve injury. Prior to hiring you as a consultant, I was anxious and fearful in regards to filing a disability claim. I was paralyzed by my own denial and the uncertainty of my future. You skillfully addressed all of the psychological, contractual and financial issues involved with facing off against an enormous insurance company.

I am sure you are familiar with the cliché: “A lawyer that represents himself has a fool for a client.” This is equally true for a professional that represents themselves when submitting a disability claim. With millions of dollars on the line, I searched the entire country for the best consultants. I could not be happier with my choice. You not only helped me secure my disabled status and benefits but I also received $550,000 in retrograde payments because my start date for a partial disability claim was 7 years prior to submission. I never would have considered that possibility if I did not have a competent, committed, and fastidious advisor. After this, you could have justifiably walked away with a sense of accomplishment for a job well done. Instead, you continued to advise and guide me to other sources of benefits of which I had little previous awareness.

It is difficult to find a man that will keep his word when the only compelling force is his conscience. I feel very fortunate to have you as an advisor. I thank you. My spouse thanks you. My children thank you.

Sincerely,

M.D.

December 2012

Art,

I wanted to thank you for the help you provided to me this year and to let you know that not only was my claim approved going forward but I just received payment of Residual benefits going back to 2003. Eight years of residuals, nearly half a million dollars.

Happy Holidays

D.C.

December 2, 2012

Hi Art,

I wanted to send you a letter to thank you for all the help you gave me in dealing with my disability insurance claim. When another dentist and good friend recommended I use you, I couldn’t imagine needing a consultant. I was naïve. Insurance companies are “tricky,” misleading, and unscrupulous. They had a completely different agenda than I did. When they are dealing with one of their insured who sustains an injury that limits or prevents them from practicing their profession, they are not aligned with you at all.

I found the paperwork and process they put upon me excessive, very difficult and redundant. Without your help Art, I can’t even begin to know how I would have navigated the process. You were able to help me through it and keep me from falling into pitfalls, and stepping on landmines.

I would strongly recommend you to anyone considering filing a disability claim. The sooner someone brings “Art Fries” on board, the better. I found your help invaluable. Sometimes you would just change several sentences in a form or letter, that completely altered the content in a positive way for me. I found you highly experienced and fairly easy to work with.

While insurance companies present a pleasant “let’s work together” façade, they are not at all aligned with getting anyone a fair decision. Happily I can say I had a successful outcome with my disability claim. While I am both pleased and relieved, I didn’t feel I was going to prevail against the insurance giants who were trying their best to find any way possible to deny me a favorable decision. You helped me all along the way and kept up a positive attitude while things looked bleak to me.

Art, perhaps one of the greatest values I found during the time we worked together was the way you helped me work with and direct the medical personnel involved in my claim. Not only were you instrumental in getting me a successful outcome, but I feel like I made a friend in you.

I would sincerely give my recommendation to any doctor considering retaining you. Thanks again for all the help, and feel free to have anyone on the fence about using you as their consultant get in touch with me for a heartfelt endorsement.

D.D.S.

June 1, 2012
Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

My wife and I want to thank you for all of your guidance, expertise and support over the last few years.

I had been paying disability insurance premiums for over 20 years but it wasn’t until 2010 when I needed your services. I first heard about you many years ago from an article in a dental magazine.

I had filed for partial disability, on my own, 6 years ago but I soon realized that your help in helping me file for permanent disability was invaluable. The process was tedious and often confusing. After our first discussion, it took almost 10 months to sell my practice. During that time, you guided us on every aspect of filing my claim. You were a great asset in helping us understand all aspects of the claim process and what steps the insurance company would take along the way. It took seven months for my claim to be approved and you were there for us all the way. It was very comforting to know that we had an advocate in our corner. You answered all our questions, were patient with me and ‘talked me off the ledge’ a couple times.

My wife and I appreciate all you did for us. I talk about you all the time with my colleagues and recommend you often. Thank you again for everything.

Sincerely,

D.D.S.

May 29, 2012

Dear Art,

I wanted to take this opportunity to express my deep gratitude for all of your work and guidance on my disability claims. I am very thankful for the day my wife and I met you at the New York convention several years age. Fortunately my wife saved your literature and when the time came that I was no longer able to perform dentistry any longer, I was able to employ your services to guide me through a very difficult few months.

Your insight into what to expect from the insurance companies was spot on. The conference calls prepared me for the road blocks the carriers tried to place in my path. I really appreciated the invaluable help in knowing the proper sequence of filing for disability, as well as knowing how to fill out the forms.

You covered every aspect of the process of working through the claim filing sequence, from knowing when to go out on disability, to filling out the claim forms, to being prepared for the many phone calls from the insurance companies, to the personal interview by the insurance company’s representative. You even prepared me for the exact questions and techniques they would use during that interview.

I know that if I had not enlisted your services I would still be at square one in the filing process. I look forward to working with you on filing for Social Security Disability Benefits, as well as helping me through the future tactics of the insurance companies.

I cannot thank you enough for your invaluable help in a tough situation, and I would highly recommend your services for anyone starting this journey. Please feel free to share my experience with anyone seeking your expertise.

Sincerely,

D.D.S.

May 6, 2012

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Never did I anticipate circumstances that would make it impossible for me to work. The only reason I took out and continued paying for disability insurance was to give my family some peace of mind. And then it all changed.

My husband and I are both accomplished executives who have run major, complex organizations and we couldn’t begin to interpret what our disability policies said much less how to submit a claim! How fortunate (lucky) we are to have found you. Our chances of filing a successful claim on our own were not good. We were at least smart enough to know what we didn’t know and fortunate enough to have found you.

Your experienced guidance is impressive on its own; combined with your integrity, attention to detail and patience distinguishes you. You take the relationship between insured and the insurer seriously. Understanding the impairment unleashed by combinations of treatments and medications and the resulting stress, you manage to balance professionalism and compassion – a rare combination of traits.

We emerge from this experience and consider you a trusted advisor as well as a friend. Thank you for what you do and the way you do it.

Fondly,

Former CEO

April 3, 2012

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I want to express my gratitude for your expertise and guidance through the Disability Claim process. I had practiced Orthodontics for 30 years and naively assumed that the Insurance Company would honor a legitimate claim in a simple and straight forward manner. Such is not the case, however, (as I learned) in dealing with the real world adversarial relationship between the disability insurance company and the policy holder. Filing a Disability Claim is a daunting and tedious process filled with devious and misleading questions designed to ultimately deny benefits to the insured party.

Art Fries guided me through the entire claims process. In fact, Art was recommended to me by the very agent who sold me the Disability policy 20 years ago. Art provides the very specific language and presentation advice which is absolutely essential in navigating the minefield toward a successful outcome in a Disability Claim.

Without Art’s guidance and counsel, it is likely the insurance company would have ultimately worn me out and I might have thrown in the towel. My own experience has taught me that Art’s services were invaluable. Should you have any reservations about his fee for professional service, rest assured that it is a valuable and essential investment. And should you decide to go it alone . . . well, good luck!

Thank you again Art.

Sincerely,

DDS

December 30, 2011

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I am writing to thank you for your help in achieving a successful benefit application with my occupational disability company.

After many years of pain and fatigue, I could not safely practice dentistry anymore. It was a very difficult decision to sell my practice and apply for disability benefits. After dealing with insurance companies through many years of dental practice, I knew it would be a challenge and I needed an expert to guide me through the process. Fortunately, my husband found your name through an Internet search; and at the same time, the broker helping sell my practice gave me your name as someone who had been recommended to him. Clearly, your name is getting around the dental community as the “go to” guy for help with disability claims.

I am happy to report that I was awarded full benefits. I am sure it would have been a much more difficult and drawn out process without your expertise and advice. I learned it was important to not give more information than needed and you were absolutely right!

You were available for questions and returned my phone calls in a timely manner, even in the evenings and on weekends. Your help and patience were invaluable in a very stressful time in my career. I am happy to now be spending my time and energy on getting healthy.

I can’t thank you enough!

Sincerely,

D.D.S.

December 30, 2011

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Thank you very much for all of your detailed guidance in helping me to obtain approval of my partial and complete disability claims. I was referred to you by a trusted friend who accurately described the importance of hiring you for this difficult process. I knew there would be substantial paperwork to wade through but didn’t realize just how overwhelming and detailed the claims process would be. You were essential in helping me to expedite the processing so that I was successful in obtaining payment for both my partial and my total claims.

You were very thorough and extremely accurate from the start. You walked me through all of the paperwork, explaining what certain questions meant and what information they were really asking for. Some questions I would have answered naively and unknowingly I would have undermined my entire claim. I am very appreciative for our lengthy phone conversations which led me line by line through each form. Although it was tedious, you never tired of my detailed questions. You were also very reassuring, day after day, when I had my doubts or insecurities. I felt that you prepared me well for what to expect from the entire process. It was not only comforting to know the steps of the claims process, but the normal timeline and the problems that should be avoided. After submitting my claims, I had very few conversations or letters from the insurance company requesting more information. I attribute this to your assistance in submitting a complete, and detailed, claims package.

Your professional assistance made the difference in my being successful in obtaining the disability insurance payments I deserved. I would definitely recommend your services to any professional who has been disabled and is considering submitting an insurance claim. You are very knowledgeable, experienced, and uniquely skilled in this entire process. Additionally, you blend an incredible drive for excellence with a personal touch and a sincere interest in your client’s well being.

It has been a pleasure working with you and I am very thankful for all you have done for me.

Sincerely,

June 16, 2011

Re: Letter of Recommendation
Art Fries, R. H. U.
Disability Claim Consultant

Dear Doctor/Professional,

Two years ago I was researching for help to decipher my Disability Insurance Policy when my Dental School Partner, DDS, told me to look up “The Guy.” “What Guy, I said?” He had heard him lecture at a Dental Convention years before, and he had been impressed. We both laughed at how he had remembered his name. He had used an old Dental School trick to remember his name. The pneumonic he made up was, “If you are fighting with your Disability Insurance Company, put the FREEZE, (Art Fries that is) on them.” LOL! I am sure glad he remembered that one. Ten minutes later I had found him on the internet and had him on the phone.

What a professional! I needed a top expert to decipher my Disability Insurance Policy and to advise us on, what to us was a foreign land. Thank God we found Art! I had been pretty “beat up” by health issues. Chronic and severe pain forced me into selling my practice and stopping Dentistry completely. I was 49 years old then, two years ago. My wife and I needed some real hand holding to help us face some tough realities in our lives now after 21 years in Dentistry. I never once had to worry when he would get back to me, documents being sent or any questions about our bill. We appreciated having someone that would not add to our stress by being hard to deal with. Art was always great to get right back to us.

We got so much more. Art was of course the Highly Educated and Experienced Expert, but he was also able to help us understand what the process was all about. And, what a friend we had to lean on. He walked us through, stepwise, this crazy landscape of Total Disability Claims. It was hard for us to understand and to accept what we needed to go through to reach our goals and how to protect ourselves.

We are so pleased Art helped us negotiate a complete buyout of my policy. His calculations and tactics rang true during our meeting with the company’s representative and in our negotiations. I think we will be receiving much more than we, on our own, could have ever gotten. We can now stand secure in our plans for the future.

In summary, I recommend Art Fries completely. I have found him to be both honorable and highly skilled in his chosen profession – Disability Claim Consultant. Trust me. You are going to need someone of his caliber by your side when facing a big fight with some huge Insurance Corporation. Good Luck and God Speed.

D.D.S.

April 26, 2011

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

I would like to thank you for guiding me through the paperwork of my disability claims submission and keeping me from making wording errors which might have negatively impacted my claim.

Please accept this letter of appreciation and recommendation with the heartfelt thanks with which it was written.

Sincerely,

D.D.S.

March 2, 2011

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625 

RE: Disability Claim

Dear Art,

One of the first expenditures as a young professional is for a disability insurance policy. When things are tough and money is tight, premiums for a disability policy seem like the last thing on which to spend money. Well thank God for my financial planner. Little did I know that I would be making a claim so many years later. The financial and emotional challenges that follow an unplanned career ending disability can be devastating. The last thing you need at a time like that is to be left alone trying to file a disability claim with your insurance company.

Well after a Google search, up pops Art Fries. After an initial telephone consultation, it was absolutely the best money I have ever spent! Actually having never met Art in person, the rapport we developed via mail was very professional and more than adequate to get the job done. My recommendation for anyone considering Art’s services would be to follow exactly what he says. And for anyone not using his services, well…good luck, hope you like finishing second. Art crossed every “t” and dotted every “i” to the point that my claim was settled in less than 2 months without a single “blurb” from my insurance company. Everything went exactly as Art said it would, even better! I certainly will refer my colleagues to Art with the utmost of confidence.

January 31, 2011

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625
 

To: Art Fries

Thanks again for your fantastic guidance. I could not have done it without you. You’ve brought intricacies to light. I or any laymen, no matter what degree the have, Brain surgeon or rocket scientist, could have uncovered. My family and I are forever grateful to you.

Dr.

November 10, 2010

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625 

To: Whom it may concern

In regards to Art Fries and disability claim consulting. I started with Art from the beginning of filing for my disability benefits. I had a difficult case in proving my disability. It took one and a half years before my disability claim was approved. I had no conclusive evidence for my case so it was a long process to come to the final conclusion of my disability. I was denied once early on. I would have stopped there if I were doing this on my own. I could not have dealt with my disability company and succeeded without Art’s help. Art is very good at what he does. Art helps you to fill out all forms, how to deal with the doctors, and with the disability company appropriately. Since Art has been in the disability insurance industry and has been a disability claim consultant for many years, he knows the best way to handle information, the doctors, and the disability insurance company. Art hand holds you through every stage of the process. I felt Art to be honest and professional. I have noticed that he has integrity in dealing with all the aspects of the claim. I especially appreciated this because I am the same way and did not want to win my claim with any false information.

I still use Art for help with my claim, with my disability company and doctors. I recommend Art highly.

Sincerely,

DDS

September 26, 2010

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Sorry it has taken me so long to write and thank you for your professional assistance with my disability claim. I thought I had done this already, but in fact I mistakenly never sent the letter.

Several years ago I was very depressed and anxious because my thumb injury was becoming chronically worse and I could see I was going to have to give up my practice due to the pain. When I initially called you for advice you quickly calmed me down and assured me that I would be able to successfully negotiate through the claims process when that time came. That simple discussion gave me the confidence to continue working several more years. Your positive attitude and confidence helped get me out of the despair I was in and look more realistically on the future.

Then, when I was finally forced to give up my practice, you once again used your positive attitude and confidence to keep me moving forward through the difficult process of making the claim and filing the massive amount of paper work required by my insurance company. You took the time to explain, in great detail, the provisions of my policies, the process of making the claim and writing the narratives. Each time I became frustrated and angry with the insurance company you would patiently address my concerns, restore my confidence and put me back on track. Looking back, your patience and positive attitude made all the difference for me. Your expertise in the field of disability is unquestionable. The successful resolution to my claim has been an enormous relief to my family. I cannot thank you enough for your help Art.

I would gladly be a reference for your services if you ever need one.

Sincerely,

D. D. S.

August 16, 2010

Art Fries
917 Jordan Court
Nipomo, CA 93444-6625
 

Dear Art,

I can’t thank you enough for your assistance and advice in filing my Disability Claim with Berkshire. Your guidance in handling the initial claim and subsequent progress reports has been invaluable. I know i would not have been able to get through the process without it. I also want to thank you for your timely response to my messages or faxes. You truly are the best.

Sincerely,

Name Withheld

August 14, 2010

Mr. Arthur L. Fries, RHU
917 Jordan Court
Nipomo, CA 93444-6625

Dear Art,

Finally, after 24 months, my own occupation Long Term Disability with lifetime benefits claim, originally underwritten by Massachusetts Casualty Insurance Company, is accepted. Thank you.

Without your vast experience in all aspects of the claim process, in retrospect, even my legitimate disability claim would have had little chance of being accepted. I did not expect that my insurance company would encourage such an adversarial posture from the very beginning. (I was a naive and trusting dentist expecting that the insurance company would immediately do the right thing. After all, that was their original and motivating selling point. I was competely wrong with that assumption!)

At our initial consultation, you were so very correct when you informed me that the ruthless ________ handling of my claim, by _____________________, would be seriously contested, involving vigorous “big insurance company” tactics, onerous red tape obstacles, and would be relentlessly challenged with potential and damaging pit-falls.

Consulting with you prior to my initial filing and by heeding your recommendations of what materials needed to be included along with your suggestions as to the correct wording for each explanation made the coordination of my statements along with those all-important initial statements of my physician and specialists coherent, unified and ultimately unchallengeable. You continued to encourage me, to remain unflustered by the ruthlessly employed “gotchya” program devised by the insurance adjusters and their paid expert examiners, and then to use their very own tactics and words against them. This actually became a challenging and ultimately significantly rewarding 24 month contest.

Your professionalism, combined with your immediate, insightful responses to my many questions made me truly feel as though you had a genuine advocacy for me as your “only” client. This truly became your battle as much as it was mine.

I anticipate that your supberb insights shall continue to help others who will unduoubtedly confront similar situations. Ironically, the renowned reputation of Art Fries speaks much more quietly than your talents merit.

Respectfully,

Name Withheld
DMD

July 7, 2010

Art Fries, RHU
225 Via San Remo (Lido Isle)
Newport Beach, CA 92663

Dear Art,

I want to thank you again for helping me navigate through my disability claims process. You have been instrumental in helping me collect from both my insurance companies, one agreeable and the other not quite so, under a total of four separate policies.

I would like to give your readers of this letter a brief history of my situation and of your help. I had been having vision problems for the past few years, and several ophthalmologists had recommended cataract surgery. The procedures themselves went uneventfully, but soon afterwards I discovered that my depth perception had been severely compromised and that I would no longer be able to practice dentistry as I had for the previous thirty-three years.

Through the trade magazines, as well as “60 Minutes,” I was well aware of problems that professionals were having, and continue to have, in collecting and enforcing payments under their disability policies. I was familiar with you from the numerous articles that you have published over the years, and we had met briefly at a dental convention in the 1990’s. Even though I was pretty sure I wanted to employ you, I did have a conversation with an attorney, as well as another disability consultant. It was clear to me who knew what they were talking about.

My family and I were quite apprehensive about the entire situation. I knew that the initial claim forms and necessary medical documentation were the key, and that usually one only gets “one shot at being right.” Although I can fill out dental claim forms like a Rhodes Scholar, I knew better than to gamble my financial future on the hopes of “getting it right the first time” by doing this process unaided.

I am very glad I did. Even though I was still practicing, you provided me with a realistic timeline as to when to sell my practice and file claims. You went through my different policies like a Type-A, OCD maniac and explained everything in full detail, enumerating the benefits, parsing the language definitions, and even pointing out the vagaries in the policies.

You advised me in exquisite detail about how a physician’s report should look, what my own claims forms should say, how to handle a field interview from the insurance company rep (which did happen), and how to present myself at the insurance company’s independent Medical Examiner, which also happened. You told me what financial documents I should and should not provide, and you told me at what point to become aggressive with the claims rep, which I would otherwise have been chicken to do. You were even able to suggest a local second-opinion physician (very impressive), who I needed to see when my first physician proved, shall we say, somewhat reticent and uncooperative.

It’s interesting that although many times I think I know what’s coming next in the process, or how you’re going to answer my next question, I am often incorrect in my logical, linear thinking. You’ve been able to explain to me convincingly, and in detail, where I’ve been right and where I’ve been wrong. I have learned that, in the disability world, things are simply not what they appear to be.

I’m grateful to you for your help and guidance, and I look forward to our future conversations as my continuing claim forms become due. It really is a pleasure talking to you.

Sincerely,

Name Withheld
DDS

November 26, 2009

Mr. Art Fries
225 Via San Remo (Lido Isle)
Newport Beach, CA 92663
 
Art,

I have had the opportunity to work with many professional advisers in my career. I have received advice and consultation from lawyers, accountants, financial planners, and many more. None, however, have been as professional and informative as you have. Since my accident several years ago, you have advised and assisted me in one of the most difficult transition periods in my life. Not only is the financial trauma of a disability devastating, but also the emotional aspect.

Since I first contacted you, you have carefully advised and guided me through the insurance claim process, from filing the claims to understanding the process. As time went on, I realized without your advice, I would have encountered or created many issues for myself that could have resulted in delays in claims or worse.

I hope that some day, when I am in California, we can get together so that I may thank you in person.

All the best to you and your family. I am sure we will have the chance to speak in the future.

Sincerely,

Name Withheld

November 17, 2009

Dear Art;

It was the best holiday present that I can ask for this year! I got this letter from ----- yesterday.  Thanks to your help and continued support.  I couldn’t have done this without you!!!!!
I am so blessed that you are there for me, what would I have done without you?
These victories make my misery of daily pain less miserable, one less thing to weigh me down on my neck.
I can’t thank you enough!!!!!

Respectfully,

Name Withheld
MD

October 6, 2009

Arthur L. Fries
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art;

I want to thank you for doing what you do with excellence.

Art comes highly recommended by me.  I first learned about him through the many articles he had written in chiropractic publications.  I had been paying on a disability policy for over 20 years and I never expected to ever file a claim.  In 2005, I developed an arthritic condition that made it too painful to continue to practice chiropractic.  I contacted Art for advice.  I knew that the insurance company would do everything they could to deny my claim.  I also knew if every form and every question was not completed properly, it could cost me a positive outcome. To take away the anxiety and apprehension of whether I was completing and answering all the questions correctly, I knew I needed a knowledgeable consultant, who also understood my profession.

Art guided me though the entire process.  I would first complete all the forms and Art would then review the answers.  He would make suggestion on how to clearly communicate my answers based on each questions specifically. I had a successful outcome.  I would suggest to everyone not to try to file for disability on your own.  Art has the experience and knowledge I needed to help me thought the entire process step by step and reduce the anxiety that comes along with major life changes such as selling my practice and a disability.

Sincerely,

Name Withheld
D.C.

October 1, 2009

Dear Art;

I am writing this letter as a recommendation for Art Fries who has been instrumental in helping me through the Maze for disability insurance.  I am a very detailed oriented individual who has to have the I’s dotted and T’s crossed for everything.  I had discussions with Art over a period of a year as I was in denial of my disability and being a type AAA person was working in spite of consequences to my health as I felt the burden to deal with the Disability carriers to be too cumbersome.

The best thing I ever did was to work with Art’s services as he is so knowledgeable and confident in his ability to walk you through the Disability Maze.  I have been fortunate to have my disability approved, but still require Art’s expertise on a periodic basis and he has always been right on and supportive.

I am usually a very pessimistic person, but I have to give Art high marks for his ability to make you feel comfortable and confident through the disability process.  I cannot imagine having to go through such a process without someone’s expertise such as Art.

Regards,

Name Withheld
MBA

07/09/09

Dear Art,

I do not think I could ever put into words how grateful I am for your assistance in my disability insurance claim. I found your name after I had submitted my initial claim. I realized after reading some of the horror stories people have endured in submitting a claim that I probably had made several mistakes. I felt like I was in a nightmare that I would never wake up from. When I called, you immediately took charge and helped me with submitting information that helped the insurance company to understand my situation. I truly feel that it was with your guidance that my claim was successful.

I think that many professionals are unaware of the intricacies of submitting a disability claim, and it was very obvious that you are an expert at knowing the correct way to handle a claim. Insurance companies have to protect themselves and I realize that they have to be satisfied that you have a legitimate claim. You have a great deal of integrity and it is obvious that you are very highly respected in your field. I know that when you submitted additional information it was a tremendous help to relieve the anxiety that I had been going through.

You discussed your fee and it is probably the best investment I could have ever made. I truly appreciate your compassion and level thinking in a situation that could only be labeled as a quagmire.

I read every testimonial on your website and I can truly say that every single one of them, expressed the same sentiment that I am feeling. It is truly frustrating to spend your whole life doing a profession that you spent a great deal of time and money to attain and then be hit with a disability that prevents you from continuing. I know that when I took out a disability policy I thought it would be a waste. Well, life throws everyone curve balls and I was devastated that I had to end my career doing something I was good at and enjoyed.

I could go on, but I will sum this up by saying to anyone that ends up in a situation where you have to file disability, do yourself and your insurance company a huge favor by letting Art guide you through a difficult and extremely frustrating situation.
On a personal note- Art thank you a million times over for all you have done to help me in this difficult time.

Sincerely,

Name Withheld
DDS

April 23, 2009

Arthur L. Fries, RHU Lic# 0450274
Disability Claims Consultant
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art;

I wanted to send you a letter of appreciation and thanks for all your expert help in consultation, advice, applying for and receiving approval of my disability insurance claims.

After practicing dentistry for more than thirty years and being diagnosed with degenerative disc disease I was pondering my options and saw your advertisement in my local dental journal. After calling, you responded immediately, sent me your packet the next day and advised me on my options. You reviewed my insurance policies, my medical reports and helped me understand those ambiguous and somewhat confusing insurance claim forms. With your help and guidance, the insurance company approved my claim just as you said they should.

I feel so very fortunate and blessed to have had you on my side. I will recommend you to any of my peers with similar needs, and again I thank you.

Warm Regards,

Name Withheld
D.D.S.

April 13, 2009

Dear Art,

I wanted to pass along the good news that my second disability policy has been approved. As you know I have two disability income policies. The first company approved me within 90 days after I filed the claim. The second company, as you know, has been a different story. I have been receiving checks under a “reservation of rights” clause for almost a year. I recently had a field investigator, from the second company, come to my home on an announced visit. All of your advice was “spot on.” I would not have been able to answer the questions correctly without your help. Even though the questioning was repetitive to what I’d already answered in my application, the investigator was sent to “beat me up” and try to disallow my claim. Within a week, after the field investigation, I received a letter stating that “the reservation of rights” clause had been removed and the claim was approved!

To any potential clients of Mr. Fries, I’d like to give him my unreserved highest recommendation. DO NOT wade through a disability claim without Art. He is honest, straightforward, and to the point. Nowadays, it is hard to trust anyone, but I can tell you that you can trust Mr. Fries. Most of you are at a crossroads in your life. Deciding to file for disability is a major decision. Believe me, I know and Art knows. Mr. Fries has an “old-school” way of doing business…his word is his bond.

Art, I cannot thank you enough for all of your help and counseling. I hope one day to thank you in person.

Respectfully,

Name Withheld
Dentist

4/09/09

Dear Mr. Fries,

Thank you so much for your help in obtaining approval of my disability claim.  I initially had no idea of the details and documentation subtleties that had to be observed in order to expedite processing and eventual success in obtaining payment from my disability insurance company.

You were incredibly helpful in walking me through the virtual “minefield” of pitfalls that could make the difference between receiving the coverage that I was entitled to, versus being told that I had no coverage forthcoming.  The items that we covered in such detail were ultimately the factor in the benefits that I will now be receiving. The representative just informed me that I will be receiving full benefits for life.  This will be extremely helpful financially and to my own piece of mind.

You covered every conceivable part of the application itself, the proper way to fill out each item for accuracy, the way the disability insurance company thinks, how to discuss the case over the telephone with the representative, and why using the correct wordage can make or break the claim.  You were also very informative in how to pre-print some items so as to minimize the work and time I had to expend for the seemingly endless information requests made by the insurance company.

In short, I firmly believe that your help in this process made the difference between success or failure in obtaining benefits, not only with my disability insurance, but with items such as Social Security Disability, Medicare eligibility, and various areas that you and I have discussed over the past number of months.

I would highly recommend your services to anyone anticipating having to make a claim for disability benefits.  Your unique expertise is simply essential in this area.

Please feel free to use me as a reference.  Thank you again for your assistance.

Sincerely

Name withheld

2/10/09

Dear Art:

I hope you like what I wrote in this long overdue testimonial.  It’s from the bottom of my heart and if I were a better writer I am sure I have a lot more to say about all that you have done for me.  You truly are the one factor that has been positive in my years of ordeal with the physical pain and the dealings with _____ which have really been a huge pain in the neck.  Thank you for holding my hands and giving me the piece of mind.  Because of you, I don’t dread the letters from _____ as much.  I know you have answers for me which is a great feeling in this battle.

I am a 48 year old anesthesiologist who has had the fortune of finding Art Fries to help navigate the intricate dealings with the disability insurance company.  I have worked hard all my life practicing and enjoying what I have trained to do for over ten years. We have disability insurance but when we are healthy, we do not think that we will ever need it.  I was not prepared, I did not have the kind of disability coverage that was specialty specific which made me even more insecure.

When after my first cervical discectomy and fusion my condition became chronic and debilitating and couldn’t return to work, I not only had the physical stress of my painful situation but I had the mental stress of having to figure out how to answer to the lengthy, confusing and tricky forms that they required from me and my attending physicians.  I knew I needed help from someone that had the right background and understanding to walk me through so that I can protect my rights.  Fortunately, my husband found that person for me on his online search.

Art has been truly a God sent for me when I was tormenting over how to handle my disability claims.  He was calming and he was definitely very knowledgeable and confident about how to approach them.  Art was definitely right on about how to deal with the insurance company every time there was a new request such as FCE test and the independent medical examiner.  I know I would have made mistakes that might have been detrimental in the out come of my case, especially early on, if I did not have Art as a consultant on my side.  I have had a second neck surgery recently and Art is still helping me to maintain my confident in my fight with the disability company as my case continues to be ongoing.  I have had Art on my side going on seven years and I feel very fortunate that Art is there for me and other professionals that deserve a fair treatment when stuck between rock and a hard place. 

Sincerely

Name withheld
MD

2/09/09

Dear Art:

In January of 2008 I underwent Coronary Artery Bypass Graft surgery (CABG).  The cardiologist and surgeon felt this was my best option because of the difficult structure of the circumflex artery of my heart.  My CABG surgery went well.  A month after the surgery I had to return to the hospital for 2 days and another surgery to close the incision that had reopened.  4 months later 2 of my vein grafts failed.  The cardiologist had to implant 3 stents in a very difficult procedure for him to perform.  After this angioplasty I started having angina both under stress and at rest.  This continues to this day.  It took me several months to realize that I wasn’t my usual physical self and most likely never would be.

When I realized that I would have to file under my personal disability insurance policy, I was very surprised at the response from my insurance agent who sold me the policy 17 years before.  She was very short, gave me the number for the claim department, said I wouldn’t be able to do any work at all and never once asked me how I was feeling.  That was my first sign that this may not be pleasant experience filing a disability claim.

When I received the claim forms they were very complex and contained many open ended question that could be interpreted several different ways.  This is when I sought legal advice.  I went to an attorney that specialized in Social Security disability claims, a man in his 60’s that appeared to be well versed in Social Security claims.  But when he looked over my policy, and claim forms, he acted like he had never seen anything like this before in his life.  His best advice, talk to your insurance agent and see what she thinks.  Now I was really concerned.

Luckily, I found Mr. Arthur Fries, a true expert in this field.  He knows the business inside and out from all sides.  He knew exactly what they were looking for with these claim forms and how to proceed precisely on every one.  He worked diligently with me line for line, form after form.  Even the physician forms can subject the Doctors to scrutiny from the insurance company, even when they think they have your best interest in mind.
I would highly recommend Mr. Fries to anyone even considering the possibility of filing a disability claim.  You are much better served by having Mr. Fries involved from the start, before an insurance agent or attorney lock you into statements you cannot retract.

My claim went through with no questions or problems from the insurance company.  The reason; Mr. Fries worked with me on every detail, no matter how small it seemed.  They were completed exactly as the insurance company wanted and left nothing open to question.

Sincerely

Name withheld
President

10/30/08

Dear Art:

Once again you have proven that you are worth your weight in gold!  Really, I cannot thank you enough for everything you have done for me.  Honestly, I never would have made it without you.  I am so thankful for my disability payments and I owe it all to you.

Thanks again.  I hope you have a wonderful trip across the pond.  You deserve it.

Sincerely

Name withheld

D.D.S.

August 12, 2008

Dear Art:

I hope this letter finds you well.  I wanted to write a letter to thank you for all of your help, thus far, with filing my disability claim.  Below is my story for you and others.

I was a dentist who was able to practice the specialty that I loved for eighteen years.  Due to a debilitating neurological disorder in my dominant extremity I had to stop practicing.  As you know, filing for disability is never an easy decision.  One can feel that they are all alone, but in reality they are not.

At first, I struggled with how and when I would file for disability.  I thought about “pushing the envelope” to work.  In this day of increased medical liability I didn’t want to risk my family’s future.  After a lot of research, I met a friend who was a former client of Art Fries.  This friend gave me a lot of advice and encouragement.  His last piece of encouragement was, “Call Art.”

I was excited to have a beacon of hope.  When one goes through the disability process there are a lot of questions and unknowns.  I called Art and right away I was put at ease.  Art is very calm, articulate, and a good listener.  I found out Art had been through this personally and has walked with 600+ others like me through the disability process.  It is very comforting to know that you are going to “battle” with a seasoned veteran.

Art walked me through all of the forms and made corrections as needed.  My applications were filled out correctly – the first time.  Art is very serious when it comes to fraud.  The application that is submitted will have no hint of fraud.  My forms were filled out so well that I didn’t get one question about my applications.

I now have three policies with approval and am waiting on full approval on another.  I know that I will need Art’s service in the future and feel very secure that he will always be there.  The fee he charges is very reasonable and he doesn’t “nickel and dime” his clients.  Art garners my unequivocal recommendation.

In conclusion, I would like to thank Art for his past and future help.  With 600+ clients, you must have many friends and I hope you count me as one of them.  To those filing for disability, my encouragement is to keep your heard up and call Art!

All the best

June 6, 2008

Dear Art –

I hope this letter finds you and finds you well.  I am embarrassed by the length of time it has taken me to put pen-to-paper, but here we are.

Every month I give thanks for having met you.  Your compassion, understanding, direction and support proved, and continue to be proven, invaluable.  You were able to keep me “on track” in the disability process – and I do mean process.  I very much appreciated your “hand-holding” me throughout the form filling out process.  Your fee was so very fair for all you did and do.  Again, I thank you for everything.  I appreciated the stress relief you offered by your insights into the process.  I also appreciate the fact that even seemingly after the “acute care” had been rendered, you are still available for “chronic” and “follow-up” care as needed.

Arthur, you are a jewel.  You are part psychologist, attorney, and father.  Your friendship is felt and appreciated.

Hoping this finds you well and happy.

All the best –
M.D.

P.S. By the way, the last 3 numbers of your 800 phone number say so much about you and what you do for the professionals – 911.

May 15, 2008

Hi Art:

I am writing to you with thanks for all of your help with my disability insurance claims.  When we first spoke I had no idea how rigorous and repeatedly frustrating the whole process would be.  From the first, you began laying the foundation that I would rely upon for many months.  In addition, your advice at each step proved invaluable.

The easiest company to deal with was […].  Aside from the usual exhaustive questionnaires, their process was very straightforward.  Of course, your tips and advice about some of their tricky questions expedited the process with them and I never had to deal with repeating applications.  All in all, the process with them was made simple by your advice, and aside from periodic requests for updates, the process with them has become rather uneventful.

I found […] to be a very challenging company to work with.  Fortunately, you advised me thoroughly before I began the process with them.  They have the most demanding format, requesting volumes of proof, pages and pages of questionnaires and endless documentation.  Again, you walked me through the process, and in the end things worked out well.  Early on, I remembered your advice about the people who work for them—they are just doing their jobs and the best way to deal with them is to always treat them with respect.  That worked to our mutual benefit.  To this day, they continue to be demanding, but working with them is manageable.

And finally, there was Social Security Disability.  They have layers of bureaucracy covering a system totally different from all the others, from application, to documentation, to the structure of their forms, even the physical exam.  Stated simply, the SSDI system is from a parallel universe.  That said, they did come through with benefits for me.  Struggle is a worthwhile if it turns out to be beneficial, and for me it worked because I had a fine coach.

At a time of great distress and uncertainty, when questions of economic survival were very real, you helped me through a very challenging process. Yes, I worked my tail off for months to get my benefits, but I really don’t think I could have gotten any of them without your help.  Art, I can’t thank you enough.

Sincerely

April 3, 2008

Dear Art,

I am writing this letter to thank you for your help and guidance through the process of navigating the disability insurance minefield.  It is bad enough dealing with whatever led to your medical disability, and the inherent stress and strains on the individual and their family, let alone looking forward to dealing with an insurance company that holds your financial wellbeing in the palm of their hand.

Your frank, pointed review of my policy was invaluable in understanding what I could truly expect from the insurance company and helped prepare my family for the financial realties at hand.  Your guidance in how to appropriately prepare my application also led to a rapid approval of my disability claim and the peace of mind that has ensued.

Without reservation, I would most strongly recommend anyone considering a disability insurance claim to seek Art’s counsel.  Without his help, I am certain I would still be flailing along the application process in a sea of questions and uncertainty.  I would have inadvertently filled the application out incorrectly and jeopardized my entire claim.

Thanks again for your help and friendship.

Sincerely,

M.D.

March 20, 2008

RE: Art Fries

My specialty is General and Vascular surgery.  I have been in private practice in the ______ area for the past 20 years.  I recently became disabled on November 5, 2007.

I have had a long-standing relationship with Art Fries.  He comes highly recommended and I have known of his excellent work over the years.  He and I had spoken back and forth on many occasions over the years and I knew if I ever needed help in the disability arena he would be the man.  Once I became disabled, I immediately contacted Art.  Art delineated all the procedures I would have to go through and the steps I would have to perform in order to file my disability claim.  Art has taken me step by step and helped make this unfamiliar and tedious process effortless.  Art has truly become a great friend.  He is extremely knowledgeable in this field and is a great human being.  You are totally safe with him.  He worries about you.  He is always available to answer any questions you may have and always returns calls promptly.  He really is a tremendous man.  I can’t speak highly enough about Art Fries and how he helped me in a time of need.

If you have any questions regarding Art Fries, please feel free to call me directly on my cell phone.  Art will give you that at his will.  Again, I highly recommend retaining Art Fries if you ever find yourself facing a similar situation.  This is an arena where doctors in general are very unfamiliar with the territory and by retaining his services it will make the process flow smooth, effortless and you will start receiving your disability benefits in an uninterrupted timely manner.  This will allow you to focus on your recovery and will ease the financial burden that comes with being disabled.

Sincerely,

Name Withheld

March 13, 2008

Dear Art,

Thank you for your help. Dealing with those forms is not as stressful with you behind me. You don’t know how many times I thank my sweet husband for
finding you on line.

Sincerely,

Name Withheld,
Former Anesthesiologist (M.D.)

March 4, 2008

I am a 58 year old Family Physician who sustained a quadriceps tendon tear on a wilderness canoe trip in 2005.  Little did I know that this would lead me down the road I am currently on.  After returning from Canada I had my tendon repaired, and subsequently had a post-operative complication  (my knee buckled and I fell, catching myself on my kitchen counter and fulcruming on my rib/spine) which has been a devastating problem ever since.

I had been paying faithfully on my two disability policies for nearly 20 years, never thinking I would use them.  After a year of seeing a physiatrist (in addition to 3 subsequent knee repairs and a staph infection), who did numerous procedures on my back, including facet injections and Radio Frequency Ablation of  nerve levels, he recommended that I should consider myself disabled and apply for disability benefits.

Actually I initially contacted my long-term attorney and friend, who was a physician who had become disabled, and she recommended an attorney who handled these kinds of cases.  Instead, I called the agent who sold me one of my disability policies and he checked with the local “guru” about who I should seek for assistance, as I wanted to avoid attorneys and the courts as much as possible.  Art Fries was recommended.

I was dumbfounded when I called Art and found out his fees.  Looking back over the last 1 ½ years it was the best decision I could have made.  I have had a few legal encounters (divorce, arbitration for settlement of leaving my practice) and found them to be much more costly and difficult.  Art has successfully helped me avoid the legal and court system and, I’m sure, has expedited the process. Within months I was approved by my disability carrier and began receiving payments.

Art has provided outstanding support and service. He is one of the most careful readers I have encountered, meticulously reviewing all of the documents I’ve sent to my disability carrier and giving advice that has kept me from making mistakes that probably would have led to a legal hassle.  I have had to submit monthly paperwork (cover letters, Claimant’s SUPPLEMENTAL STATEMENTS with ATTENDING PHYSICIAN STATEMENT) which Art has carefully reviewed beforehand and made corrections so that I would not be digging a hole for myself. It has been a long process and I am sure that, without Art’s help, it would have been much longer and adversarial.

Art has not only carefully reviewed my paperwork, but has “nailed” me throughout our paper and phone interactions.  He knows how to read people.  His advice has been extremely appropriate, considering all of the “soft” factors of this process (denial, optimism, insurance games, etc.).  I continue to consult him when something new comes up.  He is currently helping me weave my way through the Social Security disability application process, along with continued submissions to my private disability carrier. 

I wouldn’t go through this process any other way.  Art’s experience, careful review, expert advice, and personal caring have been essential and much more than I expected.

I highly recommend that anyone going through this process consult Art Fries.

Sincerely,

February 25, 2008

Dear Mr. Fries:

Thank you very much for your indispensable help with my unique disability issue.  In 2006 I made a claim for partial disability extending back to 1999.  My view was that my partial disability was the cumulative affect of four separate medical problems that arose independently over a three or four year period.  Even though my partial disability was supported by my medical records, it was clear that I needed help to properly answer the arcane questions on the insurance forms.

The consensus of other physicians and insurance professionals was that you were the person to contact.  The end result was that your advice and recommendations enabled me to provide the insurance companies with the information they sought in the proper format.  It took almost two years, punctuated by numerous telephone conversations and letters from me, to get the benefits that my policies were supposed to provide.  There is no question that I could not have accomplished that without your help.

I certainly would recommend your services to anyone applying for disability benefits.  One should not embark on a project like that with the expectation that an insurance company will start paying benefits as soon as the forms are filled out.  My experience is that insurance companies frequently make it quite difficult, requesting information above and beyond the fist line of questions on the first set of forms.  The subsequent requests, in essence, become a veritable minefield.  Any misunderstanding of the questions, incomplete answers, or errors in answering are likely to delay processing of an application at best, and at worst, they might nullify and application.  Again, I could not have accomplished what I did without your guidance.  I am comfortable recommending your services without hesitation.

Sincerely,
Name Withheld,
M.D.

October 12, 2007

Dear Art Fries,

I just wanted to let you know how much I appreciated all you have done to assist me in getting my disability claim approved.  Your expert guidance made a huge difference.  When I first contacted you, I didn’t know where else to turn.  I had considered hiring an attorney but now am very thankful I found you instead.  I really appreciate your attention to detail and your vast knowledge of the whole disability insurance industry.

After working as a dental hygienist for 33 years, I reached a point where I could not continue working.  I assumed that since I was in pain and could not perform the duties of my job, I could just file my claim and collect my benefits from a company I had been paying premiums to for many years.  Dealing with my insurance company has been a real eye-opener.  I realize now that it is not that simple.  They are not on my side! The process of filing a claim and the continuing onslaught of paperwork can be daunting.  You scrutinized every form I needed to fill out and gave me lots of good advice.  You explained all the details of my policy in a language I could understand and answered all my questions.  You reviewed all correspondence I received from my insurance company as well as all correspondence I was about to send to my insurance company to insure that I was using the right language and terminology to best explain my situation.  You educated me on how to communicate with my claims adjuster and doctors.  You always returned my calls in a timely manner and took the time to explain every step I needed to take.  And most importantly, you gave my peace of mind at times when I did not know how to proceed.  Applying for disability benefits has been much more stressful than I anticipated.  Besides dealing with my illness and continuing symptoms, it has been emotionally difficult not knowing if I would receive my benefits.  Now that I am receiving benefits, I still worry that they will not continue.  Knowing that you are there to assist me has really eased my stress.

Thanks to you, I am now receiving my full disability benefits.  I realize I still have a few challenges ahead, such as an exam by the insurance company’s doctors, probable surveillance and continuing paperwork.  I feel so much better about facing these challenges knowing that you will guide me through them.  I could not have gotten where I am today without your help.  I look forward to working with you in the future as my saga continues.  You truly are an expert in the filed!

Thank you so much, 

Sincerely

Name withheld

August 22, 2007

Dear Art,

I want to write you a letter to thank you for your help with my filing of my disability claim.

I am a General Dentist who was practicing in California at the same location for over 27 years.  I had built up my practice through the years and I had hoped to retire at around age 65.  All of this changed after my accident.  About a year ago I fell and damaged my hands.  I went to many doctors and tried many things in order to continue working.  My pain increased until I finally sold my practice in May.  I thought that I could advise my disability carrier about my accident and that they would start paying me benefits.  I soon learned that insurance carriers have made the payment of benefit an extremely complicated procedure.

I had read an article in a dental journal about you and how you had helped many providers obtain benefits from their insurance carriers.  I called you and you responded immediately with a wealth of written papers and patiently answered my questions by phone.  I knew that I was a competent Dentist and I could handle most any complicated dental procedure as well as dealing with insurance carriers at work.  I soon learned that I was not able to deal with the insurance carriers for disability benefits alone, without your help.  You have years of experience and guided me every step of the way.  I received my first disability check just a few weeks after I had stopped working.

I still need your help for the future, since I am still getting requests for information for my insurance carrier.  I am at ease now that I know you have helped me get my benefit payments each month and also that you are still available to help me for what ever requests that my insurance carrier may ask of me.

Art, I do not know of any other company or individual who provides the type of service that you do.  I am so fortunate to have you on my side.
Thank you again for everything! 

Sincerely

Name withheld

May 25, 2007

Dear Art:

I don’t know if I can say enough about how you have guided me through the unbelievable maze that the disability claim procedure presents.  Having to end your career as a practicing D.D.S. after 27 years due to arthritis was emotionally hard enough, but I never thought I would have to go through what I have for the past 10 months with these insurance companies.  If it wasn’t for you taking my hand and leading me along each step of the way I know I would have been in real trouble.  We still continue to fight for some of the benefits but you have an appropriate answer to every door these companies try to shut in our face.  My wife and I both thank you for your outstanding knowledge in the filed of disability claims and also for being available to answer all our questions no matter what day of the week it is.  I know that every other professional that seeks your help will find the same security I have in knowing that they are not alone in this process.  I have definitely become stronger in my handling of these companies through your coaching.  I hope you will let new clients who contact you in the future know my feelings.  Thanks Art, you are the best.

Sincerely,

Name Withheld, D.D.

April 9, 2007

Dear Art:

I am so thankful I read your ADA News article in the May, 2005 issue, about your services to the professions—helping disabled dentists, physicians, and attorneys receive their benefits.   I became disabled from dentistry after 3-plus decades and you gave me and my family a life after dentistry!

Art, you were kind, compassionate, encouraging and totally wonderful in providing me the confidence and knowledge I needed to obtain disability benefits in a timely manner—all with a minimal amount of mental anguish—what an answer to prayer!  You assisted and directed me in a professional manner by well-planned phone conferences on all the rigorous steps in submitting the numerous, complicated insurance inquisitions and claim forms.  Within five months of having first talked with you, I was receiving total disability benefits from clinical dentistry!

Whoever reads this, remember, ask Art to assist you “early on” in your disability! He will inform you before-hand what your chances are for receiving disability from your insurance carrier.  Art’s fees are very reasonable for the return on your investment!  The retainer check I sent Art was the most profitable investment I will ever make!  What a blessing Art has been to our family!  Art, may God Bless you always!  You will forever be special to us.

Signed,

Anonymous by Request

April 7, 2007

Arthur L. Fries, RHU
225 Via San Remo (Lido Isl)
Newport Beach, CA 926611-5511

Dear Art:

I wanted to write this letter to you for sometime as a matter of appreciation.  Over the past few months I have worked with you and have seen corners of your work and your personality which indicates unique qualities of a professional and caring individual.

Throughout more than 30 years of professional work in major universities, on both coasts, and working with unclassified teachers, professors, and surgeons, who had patients coming to see them from every corner of the world, and also lawyers; I have seen very rare individuals who stood a head and neck above all because of their work and professionalism, and care.  You are just amongst these very few who if you count them, they would be less than the number of your fingers.

You carefully and painstakingly looked and read all the paper work that I had in detail, and diligently, and discussed them with me.  You discussed consequences of all and various options and possibilities that could have taken place.  And naturally I was grateful to you for your professional consultation and work.

I have no doubt that no one could do what you do with the detail that is naturally built in you, and perhaps that is the reason that your clients are very happy with your consultations and work.  I wish you luck and health and happiness.

With my very best regards,

Name withheld, MD, FACS

arch 20, 2007

Regarding Arthur Fries

To Whom It May Concern:

Mr. Fries is a very interesting human being.

Professionally, he is knowledgeable, complete and careful.

Personally, he is warm, empathetic and always available when you need him.

Financially, he is more than “worth the cost” (an offhand suggestion resulted in additional payments of more than $20,000).

I really do not see how you can go wrong.

Hire him,

Sincerely,

Name withheld
MD

February 12, 2007

Hello Art

I am writing to you to let you know how much I appreciated your assistance with my disability claims.  I had no idea when I started the process how intricate and convoluted the paperwork would be.  I had no idea what my policies REALLY said.  You walked me through the whole process with ease and I got my disability checks right when they were due me.  Each of the very few times I actually spoke with the case worker, she would tell me that I was about 12 steps ahead of them!!  That was a great feeling! Actually, I could not have been in better hands than with you.  You had the practical knowledge and experience that made me feel so at ease with the process and SO prepared for anything they could possible throw at me.  Definitely, because of your expertise, I was able to sleep at night AND have a successful result to my claim.  I also appreciated your input regarding my Social Security Disability claim.

Art, it was so comforting to know I could call you at any time with questions and know you would either answer them right away or get back to me quickly.

You’ve been a great asset and I will recommend you to any and all who need your type of care.

My appreciation to you….

Name withheld, DDS

January 22, 2007

Hi Art…

I can’t say enough about your disability insurance consulting service.  Your help with my insurance companies and four policies, not to forget Social Security, took a mind boggling process and made it as painless as it could be.

Your knowledge and understanding was always to the point, timely and effective as I had no redoes, repeats, reprocesses or problems with even one question.  You were even there for me when I needed advice on finding an appeals lawyer for the Social Security disability process.

I hope you have raised your fees after me you deserve it!

Much thanks and appreciation…. 

Name withheld
D.D.S.

January 5, 2007

Dear Arthur:

What a pleasure it has been to work with you concerning my disability policies.  From the moment we began to discuss what procedures were necessary to accurately reflect my disability, it was obvious that you were “The Man” I had been told about and needed.

I immediately felt assured of your knowledge of the disability insurance industry.  You immediately made me feel you had done this successfully before and that you would and could do it again.  Your thoroughness was reassuring.  From the first moment, you took charge of the process and walked me through each stage with ease and grace.  I never felt any anxiety or confusion as to what and how I needed to deal with the insurance companies.

It was reminiscent of how I would care for my medical patients when I was practicing.  I was the Medical Doctor and had the knowledge to help them.  You, in essence, was my Doctor for Disability Insurance.

You explained extremely thoroughly and clearly what I was to do, what I was to expect and that I could contact you anytime there was any question.  You totally lived up to my expectations and I never was disappointed.

I am pleased to confirm that all three of my disability companies have agreed to full disability.  All this was accomplished in the time frame you told me to expect and also without any hassles from the companies.  I attribute this to your excellent advice concerning the proper filling out and filing of the insurance claims.

So again, I thank you totally.  You are a “Mensch.”

Name withheld
MD

Art Fries, RHU
225 Via San Remo
Newport Beach, CA
92663-5511

December 27, 2006

Dear Art,

I can’t begin to thank you enough for your help in navigating the disability claims procedure.

I had asked a friend who is employed by a major insurance company as workmen’s compensation adjuster for advice on how to proceed with the initial filing of my claim.  He recommended that I call a specific local attorney to represent me.  He said that insurance companies take the claim more seriously when an attorney is involved, because the attorneys know what the “rules” are, and attorneys are easier for them to deal with than directly with the insured.  I called the attorneys office.  They were quite busy, and I felt that I was an imposition upon them.  When I did speak with the attorney, he referred me to another attorney that he thought might know more than he did.  When I spoke to the second attorney, he did not seem to have any specific knowledge of the disability claims procedure, but would be happy to set up a fee schedule, plus percentage of any benefits that were collected by me.  He would then proceed (on an hourly basis) to try and educate himself about a procedure he was not familiar with.  My friend had good intentions, but his recommendation of hiring an attorney did not seem appropriate.  It made sense that an attorney should be involved if there is future litigation, but not for the claim application procedure.

I would have to say that I was quite apprehensive about calling you the first time.  I found your information on the internet, but was reluctant to share my information with a person that I did not know at the time.  Before calling you, I spent a lot of time doing Google searches for any good or bad information on you. Nothing bad showed up, so guardedly, I decided to at least call you.

Well, I was at ease with you from the first time that we spoke on the telephone.  It was very obvious that you were an informed expert on the claims procedure.  I also had concerns that my “internet connection” might be involved with some type of dishonest tactics to try and get the claim approved.  I knew from our initial conversation that this would not be the case.  I understood from the start that your abilities to help me involved providing the insurance company with complete information in an understandable format.  I was later to learn that the “one size fits all” claim forms really need to be supplemented with information specific to my situation.  If I did not have your help, I probably would have just filled out the claim form, as neatly as possible, and would have omitted a lot of pertinent supplement materials.

In the first phase of our relationship, you did a complete review of my policies, and provided me with a synopsis of each policy.  I appreciate the time and energy it took to undertake the tedious task of going through each policy, line by line.  No matter how long I spent doing this, I did not have a good understanding, as I am not familiar with all the terminology contained within the policies.  With the abbreviated information you provided me with, I could better understand my benefits.

It is always good to have any written correspondence reviewed by another person.  There is no way that the writer can objectively review his own correspondence for the content that will be read and understood by another person.  Of course, the best thing is to have the materials review by another person who is also an expert with the topic at hand (Would you have your college thesis reviewed by an attorney before you present it to the committee? No, you would have it reviewed by an expert on the subject of the thesis).  Your review helped to clarify, add where there was incompleteness and scrutinize some terms/language which may be misconstrued.  How could a person possibly do this by themselves, or with a friend who might be an English teacher?  Application for disability benefits is not the time to try one’s hand at “amateur hour.”

After the initial claims process, I had an approval, and a denial.  We both knew that the basis of the denial was not valid.  With your help, I was able to provide the insurance carrier with additional, irrefutable information.  Within a week of presenting this information to the insurance carrier, they sent me a check.  I am continuing to receive monthly benefits, as the claim has the status APPROVED!  There is life after a denial, and it does not necessarily involve the tedious, lengthy and expensive process of litigation.

I am currently receiving all of the disability benefits that I was eligible for at the time of disability, and I am confident that my benefits will continue without future altercations with the insurance carrier—thanks to you.

Of note: I did pay a “Practice Transition” company about $8,000 for a practice evaluation, which was supposed to include an evaluation of my insurance policies by their  “noted expert” in the insurance field.  He gave me advice that made no sense whatsoever.  I still have emails of our correspondence.  Upon review, the advice given in the emails has been proved to be absolutely incorrect.  A waste of $8,000, but the results would have been absolutely disastrous if I had followed their interpretation of my policies.

I appreciate your timely attentions to my needs.  I have always felt that you have given me your complete attention.  I also have an appreciation for the fairness of your billing procedure, and the detail that was provided with the billing for your services.

As an added bonus, I have always felt you cared for my welfare in receiving the disability benefits that were due me.

Best wishes to you for the future.  I wish you a long, healthy and happy life.  You have certainly helped me to look forward the same!!
With much gratitude,
Very sincerely yours,

Name withheld
D.D.S.

November 1, 2006

Dear Art,

I wanted to take this opportunity to thank you for helping me find my way through the disability insurance maze.

After practicing dentistry for over 30 years, I just could not physically go on any longer.  I knew that I had a valid disability claim supported by MRI’s and nerve conduction testings, but I wanted to make absolutely sure that I did everything correctly as far as dealing with my insurance carrier.   That’s where you come in.  Your help, understanding and expertise were indispensable.  You not only helped me to better understand my policy and it’s benefits, but you helped me present my claim as a clear and organized package making sure that I did not “negatively prejudice” my claim in anyway.  Because of this, the process was much smoother than I had expected.

I have always surrounded myself with the best professionals available.  When it comes to knowing disability…..you’re the best!!!

Thanks again,

Sincerely,

Name withheld
D.D.S.

September 15, 2006

To Whom It May Concern:

You are probably reading this in a packet received from Art among a bunch of other letters that tell you how helpful he has been.

They are all true.

Like you, I was hesitant to pay $$$ to a stranger when I could probably fill out the forms myself, since I had nothing to hide and can read and write plain English.

Boy, was I wrong.  The insurance companies do not seem to use the English language as I learned it.  Art guided me every step of the way so I could present my case honestly, truthfully, and most importantly in a manner that was unmistakably clear to the insurer.

So clear in fact, they started paying my claim last year, and with Art’s guidance they agreed I was qualified for residual disability payments before the date I even contacted them!

Without Art, I wouldn’t have known how to ask….This alone paid for Art’s fee!

You may have seen on 60 minutes, or in the news not too long ago how the insurers stacked the deck against honest claims.  An expert consultant like Art is not optional…he is critical for your success.

Art is a true professional and helps in a manner akin to a favorite uncle; telling you the truth, guiding you, and being there when you need him.

You will need him, and consider ourselves fortunate we found him!

Sincerely

Name withheld

July 13, 2006

Dear Art,

I’ve been meaning to get this short thank-you note off to you.

When I first contacted you, I was really very worked up over what could happen in my dealings with ------------- given their appearance in several news stories several years ago.  Even though I was in severe shoulder, back, and leg pain, and my vision was failing, I was still very apprehensive about filing a disability claim!

It took a while before we actually started working together.  It seemed strange to me, as a detail person, to not have a contract of some sort.  But you stuck with me through that nonsense.  You even gave me some significant ideas on what to do before we made that final decision to actually work together.

Boy was I wrong in thinking a contract was needed.  It is very rare in this day and age to find “true” and “real” people that you can be comfortable with on a handshake (& over the phone!).

You are a special person.

You worked very hard and took a deep interest in me, your client & telephone friend, doing your best to be sure no mistakes were made in filing forms & dealing with the insurance company.

I was expecting the worst from the insurance company.

Then almost two-and-a-half months after the disability claim was filed, I received a letter from them saying they reviewed my medical conditions and under the provisions of my policies they consider me totally disabled.

I called you about the letter, and asked what do I have to do next.
You said that’s the letter we’ve been working for and waiting for!

You made the hard work go so smoothly that receiving the insurance company’s approval letter was anti-climatic.  Thanks to your help, It could not have gone better.

If I had to do it over again, the only thing I would change is getting together with you even sooner!

Sincerely,

Name withheld

June 29, 2006

Dear Art,

I wanted to hold off sending you a thank you note until I got my final determination from SSA but they move so slowly I decided to send you a note today.  I just finished completing two miserable sets of forms for them and I thought of you.

I know your service does not include direct consulting with respect to SSA but the advice and technical papers you passed on to me over a year ago are still very helpful today.  I refer to them and the notes I took in our telephone conversations every time I complete anything for them.  You should also know that I am represented by a fine legal firm ------ in my quest to obtain a final determination from SSA for disability but your advice and guidance is still paramount to me.

I must have been one of your easiest cases ever.  To refresh your memory, I was a Corporate Controller in Finance and Accounting for a large conglomerate of manufacturing companies around the world until I had my heart attack.  You guided me step by step through the process with my company’s short-term and long-term disability administrator all the way until I was awarded long term disability.  I especially appreciated the attention to detail you paid as you reviewed every form I submitted.  I also enjoyed your guidance during our telephone conferences.  I still refer to the notes I took.  In my case, everything happened exactly as you foretold it would right down to the very last detail without a single glitch.  It was as if I was playing a game of chess with the Long Term Disability Administrator and you were telling me what moves to make.  Of course, with you on my side there was no contest. 

Although my case may not have been a very difficult one and perhaps I could have done it myself, I would not hesitate to engage your services again.  This process is deceptively difficult and dangerous.  Without the help of a professional like you, a person can easily write or say the wrong word and that is all it takes to deny a claim.  It is very similar to someone in trouble with the IRS.  Being a financial person, I would never recommend anyone take on the IRS without professional representation.  In the disability domain you are clearly the best professional expert in the United States.  Because of your experience, your counsel, your one on one hands on guidance, my stress level and fears were significantly reduced.

The best recommendation I can give anyone is to say that if any glitch comes up in the future with regard to my Long Term Disability program through my former employer, I will simply pick up the telephone and retain your services again.

Please feel free to share these comments with anyone.
Warmest Regards,

Name withheld

May 30, 2006

2005 was the most difficult year in my life.  After practicing dentistry for almost 30 years I was forced to sell my practice due to a disability.  Having a disability policy, I began to search the internet for help in the completion of the claim forms.  What I found was one horror story after another from professionals having their claims denied.  I knew at that point I could not do this alone.

It was at that time I read an article in one of my professional journals regarding Art Fries.  My wife and I called him immediately and after talking with him we knew that we had found the right help.

Art made a difficult process easy and believe it or not enjoyable, because of his expertise and personality.  He had the right answer for every question and as the saying goes, he has “been there done that” countless times.  Art was available to us seven days a week whenever we needed him.

With his help we knew that when we filed our claim it was complete, accurate, worded correctly and so thorough that the next contact we had with the insurance company was the approval of our claim.

You have one chance to do it right and save yourself a lot of anguish and headaches.  We can honestly say if you are filing a disability claim DO NOT file unless you have talked to Art Fries! He is certainly worth many times his fee!!

Name withheld

May 3, 2006

Dear Art,

I am very fortunate that my husband found you in internet back in 2003 when I was stressing with my disability claim.  Without your guidance thus far, I would have been totally at a loss and the result of my case wouldn’t be what it is today.  No matter what happens from this point on, I feel I can deal with what they are trying to do to me much better knowing that you are just a phone call away and that you understand my predicament and are supportive and sympathetic.  It is REALLY difficult to deal with them especially when I am hurting as I do everyday.  The pain is draining enough but the mental gymnastics that they are making me go through is sapping whatever ounce of energy I have to the basic minimal duties such as trying to be a good mom to my eight year old son.
I have a piece of mind knowing that you will continue to be there for me.  I greatly appreciate your help thus far and look forward to your support as I am entering a tougher stage of this battle.
I can tell anyone faced with the similar situation that what you offer your clients is absolutely priceless!
Thank you again and again.

Sincerely yours,

Name Withheld
M.D.

April 11, 2006

Dear Art,

It is my pleasure to write a letter of reference for Art Fries.  I was a surgeon with a busy practice who developed several medical problems including a tremor.  This left me unable to do surgery as well as unable to work in the office.  I was very upset about having to declare myself disabled and file for insurance coverage but felt it was the best thing for my patients and myself.  I was referred to Art by an attorney and to this day am very glad I hired him. From the very first conversation I felt comfortable talking with Art.  He has an easy going demeanor which makes opening up to him natural.  He is sensitive to the severe emotional  reaction in a physician has when contemplating a move of this nature.  In a way its like falling off of  a cliff and stepping away from a security net as well as a way of life that you have become accustomed to for many years.  It was one of the most difficult times in my life.

Art always acted in a professional and honest manner.  He was straight forward in his dealings with me and never pulled any punches.  I understood what I was up against with the insurance companies.  They used every tactic in their possession to trick either me or my physicians into a vulnerable position.  I followed Art’s direction to the letter.  Every form, every conversation with agents, every response to their letters was first cleared through him.  The bottom line was that I was able to obtain full payment for my case which included time before I officially left he office!  Art did not even have to “surface” to be in direct contact with the insurance company.  My record was so convincing and well put together that it became obvious to them that they had no chance of denying this claim.  As Art put it he simply painted the most appropriate and convincing picture out of the facts I provided.  This involved not only providing the information they requested (being appropriately brief as well as verbose when the occasion arose) but also submitting additional material not requested to support my claim.  I never would have known to do these things without Art and frankly do not think I would have been successful on my own.

I am writing this letter many years after the initial claim and can attest to the fact that I continue to collect benefits without a hitch.

It has been an enormous psychological relief to know I always have Art on my side if I would ever need him in the future.  I regularly call him to say hello, send annual gifts, and welcome him in my home at any time.  One time I picked him and his wife up at the airport to drive them to an event they had in my community so they would not have to take a cab.  I consider him a friend for life and have spoken to several potential clients on his behalf.  I have no doubt that if I were to run into any difficulty in the future Art would stand behind me with the most effective strategies and advice.
If you are considering filing a claim for disability please consider that this may result in the payment of money to you for many years totaling many thousands if not millions of dollars.  Art’s fees are truly a bargain when looked at in that light.  You will be getting the advice of a unique professional that few if any in the country can equal.  Don’t forget, unless you are quadriplegic and on a respirator in intensive care, your claim will be vigorously challenged by the insurance company and you need guidance.

Attorneys do not have the knowledge or the motivation to help like Art does and any advice I obtained from them at the time I was filling out my application was not quite as good as that obtained from Art.

Sincerely yours,

Name Withheld

April 10, 2006

Subject:  Disability Insurance Claim

Dear Art,

It has been quite a while since we have talked.  I wanted to take this opportunity to thank you for all the knowledge, advice, support and kindness you demonstrated during the initial application period of my disability claim.  I absolutely could not have made it through the maze of confusing papers and mental stress the insurance company tries to put you through in order to deny the claim.  Many told me that even though my claim was legitimate I would never collect.

I have been collecting a monthly check now for over 2 years.  I know without your step-by-step guidance this would never have happened.  When I applied for my SSD I followed the same advice.  Even with their IME Dr. that indicated I could work, they decided in my favor.  I have now received SSD for a year including retroactive payment for the year before.  However I have found that they never stop with their reviews of my disability claims.  I am having an increased amount of anxiety over this and I know you’re the only one that can help me.

I have told everyone about you.  I strongly recommend you to anyone who even thinks they may need help with their claim.  Thanks again!  You’ll never know how much you are appreciated.

Sincerely yours,

Name Withheld

April 4, 2006

Dear Art,

After a greater than 2 year history with Arthur I have chosen to write this letter in hopes it may benefit others with similar concerns or circumstances.  As an individual always in pursuit of efficiency you will find this letter brief and to the point.

With a 30 year career as both a Veterinarian and an Orthopedic Surgeon I have had both personal and professional interactions with disability claims.  Watching patients deal unsuccessfully with their claims did not serve to alert me to pitfalls when I filed a claim of my own years ago for a now unrelated condition.  Much to my disappointment the validity did not prevent the insurance carrier from legally forcing my claim to a premature end.

Reentering the work force years later I found it necessary to consider another claim.  This time I researched my options prior to filing and fortunately came across Arthur Fries.  Contact was made and after a thorough and detailed Q&A interview I retained his services.  All financial details were given in advance and have proven to be worthy investment.  My claim, again a valid one, submitted to two companies has continued to flow through channels without problems.

Arthur was always available in a timely and professional fashion to be certain that all claims work was filed in a pristine manner.  As I have become more experienced our phone calls have decreased in time needed as his vast experience has educated me requiring fewer corrections before filing.
I have no reservation recommending his services to a professional seeking help with legitimate claims.  It is upon yourself to follow his advice as it will guide you through the maze of insurance denials with minimal delays from the claims office.

Sincerely yours,
Name Withheld

MD, DVM

March 20, 2006

Dear Art,

We want to thank you for your professionalism and excellent advice that you have provided to our office on many occasions resulting in successful progress on our matters.  We did not anticipate such benefit from your advice and certainly you exceeded our expectations.  It is obvious that your experience and wisdom that you bring to the table exceeds those generally contained by a lawyer. We have no hesitation in recommending you to others.

We look forward to making you a member of our team on any and all such cases as they develop in the future

Sincerely yours,
Name Withheld
Trial Attorney

Large Law Firm

March 16, 2006

Dear Art,

I cannot thank you enough for helping me get through the nightmare that is called the disability process. Without your guidance, I do not think I would have been as successful, in such a short period of time.

There was a lot at stake for me. I was in the prime of my medical career, without much savings, without a job, and without my health. I was told initially by a disability lawyer that it would take 3 years to win my claim. Worse still, had I not known about the trickery and deceptive tactics of the disability company, I might have only received temporary, partial disability until age 65 (only 10 years from now). Instead, I rightfully received total disability to work in my own occupation for life. Your insight, experience, and guidance made the crucial difference.

With your guidance I developed an “airtight” case, one that gave the disability company pause to consider whether they wanted to disallow my claim and fight me in court. Your advice and step-by-step guidance in filling out forms and documenting the personal and professional cost of my disability stopped the disability company “dead in its tracks”. It forced them to do what they hate to do most: pay for claims that are legitimate and justified.

My story is worth paying attention to as an example of how to successfully win a disability case. I was an extremely successful cancer Surgeon, until a sudden heart attack and heart damage caused me to be admitted to the hospital 3 times, lose almost a third of my heart muscle, and suffer from chronic heart symptoms.

At first, I tried to fill out the disability forms with the help of a lawyer, who soon proved to be completely unknowledgable about the disability process. In doing my own research on the law related to heart attacks and disability, I fortuitously found your name. Thank goodness I did. I spoke to you and immediately recognized your expertise. I let go my attorney, and turned to you for complete advice and guidance. I am lucky I did so.

Together, we navigated the quicksand-laden landscape that comprises the filing of a disability claim. No lay person, not even a physician, can understand the depth to which the disability system is designed to trick, fool, and stop the legitimate payment of claims. The trickery begins with the claim forms, and ends with multiple requests for repeated medical records, letters, and still more forms. All of this paperwork constitutes the disability companies’ attempt to build its case against those of us who are legitimately disabled, using our own words and our labor. You showed me these tricks and highlighted the disability company’s tactics, thereby preventing rejection of my legitimate claim.
Here is one good example (there are many others). The initial claim form has very tiny boxes set aside for those claiming they are disabled to write their diagnoses. How is anyone supposed to write their complete medical diagnoses in such a tiny space? Obviously, one is tempted to shorten the diagnoses to fit the tiny box. But doing this would weaken the medical documentation supporting the claim for disability. Of course, that is exactly what the disability company wants; for the claimant to destroy his own claims for disability.

This is a brilliant tactic on the part of the disability company to have the patient destroy his own claim. While a court might reverse what the disability company said, the court wouldn’t reverse what the disabled person said. By giving the claimant no room to write a complete diagnoses, the disability company has begun the process of having he disabled destroy their own claim, by preventing complete disclosure of disability by the patient himself.

Yet in contrast, the claim form has 3 to 4 pages for the claimant to describe what they can do. Now the company is having the claimant document for them all the aspects in which there is no disability, once again having the claimant destroy his own case. In essence, the claim form itself is the first method used to prevent the legitimate payment of claims. It does so by preventing those filing the claim from fully documenting their disability, while at the same time it is prompting them to support how they are not disabled.

You helped me get around this trap by attaching a lengthy, type-written supplementary page describing my complete medical diagnoses. We reviewed and answered each box stop-by-step. And, you showed me how to limit my report of what I can do to what is truthful, and answers the questions directly, but briefly.

You reviewed my doctors’ letters, and told me how to relate to them. You reviewed every piece of paper sent to the disability company for accuracy, but more importantly, to prevent me from inadvertently falling into one of the disability traps. Since the entire process is designed to prevent the payment of legitimate claims, you showed me how to document everything related to my disability to insure that payment would be made.

It worked. On the very last day of my elimination period, I was told I would be getting fully disability for life. Of course, as yet another trick on the part of the disability industry, the payment would be paid 30 days later, giving the company a free monthly hold on money legitimately due me. While that is something I cannot do anything about, I can say that simply achieving my goal of legitimately being given total disability in my occupation made up for all the frustration.
I owe this success to your diligence, professional manner, depth of knowledge, and personal attention.

I only hope that those people embarking on this difficult journey pay heed to my testimonial. They need your help badly, and your services are worth every penny paid, and many times more. In fact, money cannot measure how valuable your service are, since they are in fact, irreplaceable, and invaluable.
Thank you for all you have done for me.

Sincerely

Name withheld

March 3, 2006

Art Fries, RHU
225 Via San Remo
Newport Beach, CA
92663-5511

Dear Art,

I wanted to write to express my thanks for your expert analysis and advice regarding my disability insurance coverage. Any specialty area has its own arcane and incomprehensible language and the insurance industry is certainly no exception. You were able, thoroughly and comprehensibly, to make sense of my contracts and their coverage.

Your analysis proved invaluable during my peri-operative period when I was in more pain than usual particularly as I was recovering from major surgery and contemplating a transition to a sedentary occupation. Not having to worry about contract language and coverage issues was a tremendous relief not to mention the ease of mind from being able to receive the benefits that my policies provided.

The claims process requires attention to detail and I truly appreciate the insight I had gained from your review that helped guide me through the numerous steps.

Sincerely

Name withheld,
MD (Orthopedic Surgeon)

March 2, 2006

To Whom It May Concern,

I am writing in regards to Art Fries. He has been working with me for over two years now. If my insurance company was even partially as capable as Art, my case would have been completed long ago. But like most insurance companies, they drag their feet and take forever to complete even the simplest of tasks. Without Art’s articulate and precise assistance, I probably would have been too frustrated to continue pursuing what I rightfully deserve from them.

I cannot offer enough praise for any potential client he may work with. He is invaluably informative, direct, and knows his product and how best to utilize it, better than anyone. I would not hesitate to refer him to anyone in need of this type of help.

I am getting regular monthly payments for two years now, and as soon as my company is ready to settle, Art will be the first person I will call. I know he will direct me in every aspect of my next move like a master chess player at his best game.

If you are injured and need help with your company, Art is the best. There is no better or wiser way to say the true facts: he is the best, and that is fact, not emotional banter.

Sincerely

Name withheld

February 2, 2006

Dear Art,

I would like to thank you for your exhaustive and essential consultation and availability during my claim for disability with my insurance company. I must admit that I became quite discouraged during the process which included seemingly endless scrutinizing of doctors reports and many forms of testing designed, in part no doubt, to force me to abandon my claim. I came quite close to doing so, but with the help of your advice to exercise the utmost patience and cooperation as well as step by step coaching through some confusing and complex forms and procedures I was finally awarded full disability payments….both accrued and going forward. This came as a significant relief to both myself and my family.
Sincerely

Name withheld
Former Bond Trader

November 11, 2005

Dear Art,

Thank you very much for the time you took on our phone call a couple weeks ago. I felt very comfortable talking to you about the topic of disability and how it will pertain to me. You have such a vast knowledge of the process that I feel I will be in good hands when I take that journey. I appreciate all the literature you sent me. I went through all of it and was reassured that others have made it through this and so will I. Your articles are very enlightening. Since I have talked to you, I’ve had a nice long conversation with ___________. He is going to send his packet of things I need to get together. I have also made an appointment with my doctor to get a referral to an arthritis specialist. You inspired me into action and I realize I can’t just keep going on the way I am. Once I am ready to proceed I will mail you a check. Again, I appreciate you taking your valuable time to run me though the ins and outs of the disability process. I know between you and ____ I will have a caring and professional team behind me during this transition. My best to you and your family.

Sincerely

Name withheld,
D.D.S.

September 1, 2005
Art Fries

Dear Art:

I am writing to express my sincere thanks for a job well done. I have finally received confirmation from my disability insurance carrier that they accepted liability for my claim.

With the confirmation comes a tremendous feeling of relief. The dealings with the insurance company and its representatives (hours and hours of time, phone call after phone call, letter after letter, meetings, examinations, etc. etc.) have been difficult and challenging. You have been there each step of the way. For that I thank you. The maze of paperwork that has been given to me by the disability insurance company has been overwhelming. You have been of great assistance in navigating this maze. I feel for the person who has to battle the tactics of the disability insurance industry on their own.

As I go through this process of microscopically being examined in just about every way I can conceive of I know I have a true confidante. Your services have been timely, thorough, professional and supportive. I cannot help but feel the outcome might have been different if I had not consulted you. I say this thinking quite strongly my claim fits my policy. However, I am not sure I would not have been rolled over by the insurance company in the process that has gone on over the last several years. As noted your assistance as a consultant has been remarkably professional and well defined. Even more impressive is the kindly manner that you have gone about giving your professional advice.

I feel strongly that you have a defined purpose in your life. You can rest assured that your professional assistance towards other professionals as they go through their disability claim process is a service to your clients, their families and the communities they live in. I say this because your handling of my situation has been so impressive. I can echo the feelings I have heard of other professionals who are hit with a disease process that does not allow them to continue on in their profession. Because my disability has prevented me from making a living in my regular profession the last several years have been a time of my life filled with guilt, fear, frustration, anxiety, etc. Your consultation and support has tempered these feelings during difficult times.

Looking at the severity of my illness with all its manifestations and the fact that it is still present and always will be, I feel I am much better off now than before I came to you as a client. You are a major reason my family and I have some degree of peace of mind from a financial perspective.

Once again, my family and I thank you for what you do. I would absolutely and emphatically recommend you and your service to any individual who has a disability strike and then find them-selves dealing with disability insurance corporate America. Job well done Art Fries!

Sincerely with warm regards,

Name withheld MD

June 16, 2005

Dear Art,

You are truly a gem! I am fortunate to have your expertise on my side in the twisted game of the Disability Insurance denial process. Hopefully, you can understand how much I appreciate your advice. I only wish I had discovered you at the onset of my disability.

Being on disability claim for over a year, I had managed the stressful claims process myself while coping with my medical condition. I believe that the coverage I purchased was really there for me, and that ______________ was simply employed by ______ to simply help me with my claims. I naively believed that with a justifiable disability they would play a fair game and comply to the rules of my policies. I have you to thank for helping me understand that they really play unfairly by their rules with an entire army of consultants, attorneys, accountants, and medical advisors! It is really shocking to learn what transpires behind the scenes of their network.

Their initial attempted paperwork avalanche and endless unjustified attempts to obtain additional financial documentation from my husband and partner in dental practice were just the beginning. After receiving a special delivery overnight letter from ____ regarding an “Independent” Medical Exam, I realized that my disability benefits were seriously threatened in a game I did not understand. I needed professional help quickly. I had been living my childhood dream in private practice as a dentist. Suddenly it was gone. Physically, I could not return to work without doing more damage to my body or accidentally harming a patient. Emotionally, I was at my lowest point trying to cope with this loss of a great love in my life. I was quite honestly broken and beaten down. Now, ______ was kicking me.

I discussed my concerns with local attorneys who did little to reassure with their experience and abilities with _____ in Particular. After internet surfing I came across your web site. It really was not until I spoke to you on the phone across the country that my fears and concerns were settled for the first time. You are a commendable expert and an invaluable asset to anyone dealing with a disability claim. I appreciate the fact that we worked together and you empowered me with your advice. Everything happened like you said it would, form the video surveillance (I affectionately refer to as my personal paparazzi), to the “independent” medical exam. Your organized and thorough review of my policy prepared me. Your guidance gave me a calm confidence. With characteristic thoughtfulness, you promptly returned my calls, even late at night to ease my worries. Your tasteful humor seasoned me for life after disability. Working with you was the best decision I ever made and I appreciate your continued kind support in the future!

Fondly,
Name withheld, DDS

May 9, 2005

Dear Art,
One might think I would be the last person to retain your service. Having spent almost twenty years in the life and disability insurance business, the last eight as managing partner of one of the largest agencies in my state, one might think I could do this by myself.

Art, after successfully negotiating my claim and receiving my first check, I could not imagine running this “gauntlet” without your help.

If your family’s future depends on the approval of your disability claim, don’t even think about doing it without Art on your side.

Thank you so much,
Name withheld, CHFC, FCP

May 5, 2005
Re: Thanks and Testimonial

Dear Art,

I’d like to thank you for all the help you’ve given me over the past two years with my disability claim. I know your clients often offer their testimonial for others to read. Here’s mine.

When we first met I was in a very bad state of mind and overwhelmed with the loss of my ability to practice medicine. If you remember, I suffered a concussion skiing, and insidiously developed cognitive problems. These symptoms led directly to a breakdown and my voluntarily topping a lucrative medical practice. My physicians placed me on total disability, and I was left in a huge limbo about my family’s financial future as well. I knew three things: I had disability coverage, I had no ability to deal with it, and I had heard rumors of insurance companies using enormous legal pressure to take advantage and get out of paying.

I was refereed to you by two independent sources, one a client with a successful outcome, the other an attorney friend of mine. On our first meeting, despite being overwhelmed by this insurance process (as well as life in general) I remembered two things you said. First, you told me most of your job is “hand holding”. Secondly, you said I’d learn enough eventually to negotiate the process myself. On the basis of those statements I wrote you a multi-thousand dollar retainer check. Today I will tell anyone it was true, and it was worth it.

There were numerous examples of the need for hand-holding. On several occasions I was intimidated by lengthy letters from my insurance carrier, requesting voluminous documentation. You provided a context in every case, with just the right amount of help to get through it. I became armed with the knowledge of how this all works, what are the carrier’s motivations and rights, and what my reasonable duties are. That’s how I got through the process. You helped by proof reading every document before I sent it to the carrier.

I would like to point out to others that Art Fries does NOT tell a client what to say in order to scam a company. Art screens his clients for legitimacy of their claim. I was able to come to grips with the truth, and tell it to the carrier with Art’s help. Your objective look at my case pointed out things I otherwise would not have considered.

Recently you suggested I apply for Social Security Disability. I applied on my own using the same processes you taught me. Surprisingly, I got the approval in what must have been record time without the necessity of an appeal. Much of the information was already documented and sent to my private insurance carrier. I also feel confident about corresponding with my carrier in ongoing issues. If I have a question, I know to call you. You have returned all of my calls promptly, and you offer good advice always,

Name withheld

April 1, 2005

Arthur L. Fries RHU
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art,

On May 7 of last year, after eleven weeks of agonizing medical test, anxiety, and tremendous reluctance to stop working, I called your office and requested your assistance in filing for individual disability income from my insurance carrier. I had found your name and credentials on the web several weeks earlier but could not bring myself to call you as it symbolized my need to give up so much that filled my life with joy and very good income. The previous afternoon, I had seen my psychologist and was emotionally drained by the effort to keep going, despite my many symptoms and fatigue. At the end of that session, my direction was clear and the next day, I called you.

Beginning with our very first conversation, and continuing through today, almost a year later, I have found you to be consistently thoughtful, supportive and very expert with this business of securing the disability payments which I believed I deserved to receive. Your obvious knowledge of these matters, coupled with your personal commitment to support me throughout the process made it possible for me to contend with the incredible paperwork and detail which was required to submit our successful claim. One of the issues bothering me so much when we first began to work together was whether I truly was “ill enough” to apply. You quickly explained how the definitions of disability in my policies applied to my situation and it became obvious to me that this was indeed the right thing to do.

Over the ensuing months, as I received materials from the company and needed assistance, you were unfailingly available and right on target – even when you were preparing to go on vacation or on professional trips. You always took the time to respond to my phone calls and to provide excellent direction and advice.

Today, as I continue to search for a diagnosis for my neurological problems, I’m committed to staying as well as I can, spending my energy on working out to conserve my heart health, resting and keeping fatigue at bay. I would not be able to do all of this with peace of mind had you and I not succeeded in obtaining my disability income payments.

I’ll always be grateful for your tremendous assistance and support and thank you in the most heartfelt way possible.

Warmest Regards,
Name Withheld

March 26, 2005

Arthur L. Fries RHU
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art,

I wanted to take a moment to thank you for your services regarding my disability claims. Your organized approach and expertise made the difference. Your recommendations and instructions regarding my doctors’ files and support letters for filing the claim created an unambiguous and thorough explanation and progress of my condition that I don’t feel would have occurred without your intervention. Although I still have a couple of issues left to battle with the insurance carrier, I am confident your advice will produce the best possible result.

Again, thank you for your guidance and knowledge of the issues.

Sincerely,
Name Withheld
DDS

March 24, 2005

Arthur L. Fries
Disability Insurance Claims for Attorneys and Physicians
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art,

I wanted to take a moment and thank you for your help and support during the process of acquiring my disability benefits. I feel your guidance through what appeared at first to be some extremely daunting obstacles, was reassuring and ultimately very beneficial. I feel as though the investment was well worth the benefit of having a mentor to help me make good decisions and communicate most effectively my current situation. You were always very attentive, and returned my calls almost immediately. I will have no problem in referring you to anyone else facing the gauntlet that large insurance companies place before us. In fact, I already have referred an associate to you.

Thank you again for all of your assistance.

Warm regards,
Name Withheld
DDS

March 3, 2005

Arthur L. Fries
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art:

For twenty-five years I brokered professional practices including medical, dental, chiropractic, accounting and health care companies. I was responsible for sales in the hundreds of thousands to millions of dollars, working exclusively with doctors, attorneys, accountants and bankers. My role as a practice broker placed me in a unique position of trust. I understand and appreciate what it means to work with professionals during critical times in their lives, as many of my clients were forced to retire and sell their practices due to health issues and disability.

In 1997, I suffered an acute attack which incapacitated me for three months. I thought I had recovered and returned to work. During the next five years, I suffered multiple disabling symptoms related to my illness; however, I never received a definitive medical diagnosis. Being a “Type A” personality, I tried to work through everything. After five years of suffering and trying to maintain my business, I was at the end of rope. Finally, a diagnosis was made by one of the top neurologist at ------ Medical Center. I had a degenerative nerve disease and was forced to retire.

The stress of this situation was enormous and compounded everything. A friend referred me to you. Thank God!

I appreciate what it means to have an experienced consultant who knows the ropes and can assist one to navigate through the difficult path as it relates to receiving disability benefits. Your knowledge and assistance was invaluable. I always treated my clients as personal friends and addressed their needs as a fiduciary. You treated me the same way. “A friend in need is a friend in deed.” Art, you have become a close friend.

My situation was unique, as the onset of my illness was five years prior to learning what I was suffering from. For that period of time, I continued to work part-time, until I couldn’t continue to perform the duties of my profession at all. Five years! My income shrunk from half a million per annum to $60,000.

I was successful in receiving my monthly disability benefit, six years of premiums being refunded along with receiving five years of residual disability. The outcome with my disability carrier could not have been any better. Throughout the process you were always there to answer my questions and guide me through the maze.

Life is so different now. Receiving my disability benefits reduces a tremendous amount of stress. The result being, I can better deal with my health problems and live my life.

For anyone reading this letter of Recommendation, please know that I worked with professionals like yourself for twenty-five years. I have a keen understanding of he professional ego, your high standards and the “Type A” personality. When your very livelihood and health is threatened, I highly recommend and encourage you to retain my friend, Art Fries,

Sincerely,
Name Withheld.

February 11, 2005

Dear Art,

It continues to be difficult to describe the feelings and emotions that I have felt since hearing favorably on my claim with my disability carrier. I know that in my heart of hearts, I could not have made it through this ordeal intact and whole were it not for the efforts on your part. I fell so fortunate to have found your article in a medical magazine in which you discussed the concept of disability and its implications with insurance companies. I remember that day as if it was yesterday. That was three and a half years ago. I called you and you immediately called me back. My impression of you that day is the same that I have today. The kindness, patience, compassion and general sense of ease that you bestowed upon me that day are qualities about you that live with me daily nearly four years later. Let me add two more qualities that began that day-friendship and trust and they have only grown in my eyes and heart.

For nearly seventeen years I was a successful practicing cardiothoracic surgeon until January 2005 when I retired. It was the most difficult professional decision that I have ever made. Were it not for you I am not sure that I would have had the courage and insight to do the correct thing and stop operating. I was originally diagnosed with Benign Essential Tremor in May 2001 and had been having difficulty for at least the prior two years before the diagnosis was finally established. I was on multiple medication regimens and multiple consultants without improvement, only regression. I was terrified and tried to fight even harder to compensate for my declining skills. Even though my results were satisfactory and my morbidity and mortality unchanged, I was practicing below my ethical standards and I knew it. So did you, Art, you knew it too and you guided me so gently throughout the ordeal. You knew the level of fear and terror that I faced and the level of denial that I was demonstrating, even if I didn’t understand it. As you said on more than one occasion you were also my psychologist. Finally, one day the light in my head went on and for the first time I completely understood my situation. As you later told me, I was your longest holdout. But when I finally had the courage to begin my transition it was like a cloud had been lifted and I was finally able to breathe again.

Your thoroughness in guiding me through the disability process was beyond my expectations. I could never have done it without your professional expertise and your patience. I cannot imagine for one minute how someone could go through this process without you. It was so mentally draining and so difficult to stay focused while handling the forms, paperwork and interfacing with the disability carrier, but you were always there for me, any time of day. There are so many ways that I might have compromised my claim without even knowing it had it not been for your complete and meticulous attention to detail.

Doing battle with the disability carriers was the equivalent of going to war for me. Any misstep could lead to disaster. I cannot imagine anyone doing this alone. I could only recommend one person and that is you, Art Fries. I do not think that I can ever find the words to adequately express the emotions, gratitude, and thanks for all of your efforts. Perhaps the MasterCard commercial best summarizes having you, Art Fries, on my side and in my corner-PRICELESS! There is no monetary value that you can assign to your knowledge, expertise, kindness, patience and psychological counsel. And then there is the friendship and that is for life.

My warmest and fondest Regards!
Name withheld,
M.D.

February 9, 2004

Dear Art,

There are and can never be the words to express my deepest thoughts. ____ approved my claim and I’ve been in a suspended state since.

I wanted to crystallize my thoughts before writing. How you helped me and what you did for me personally will never be forgotten. Your kindness and thoughtfulness was evident the very first time we spoke. I am awed by the patience that you demonstrated throughout the long and lengthy process that was my journey. After all, I was your longest holdout!

How you guided me as professional, psychologist and friend is forever seared in my mind and heart. I don’t know how I would have ended up without your enormous involvement and expertise.

I guess you are truly the embodiment of the word mensch, giving of yourself selflessly to help others. I am a fortunate recipient, of your mitzvah.
From the deepest of my heart, I thank you and thank you and thank you.

Most Sincerely,
Most Fondly,
Name Withheld

December 21, 2004

Dear Art Fries,

I write this for you to share with whom you want to.
I have had over 20 years of experience as a surgeon assistant, assisting in major surgery. I found myself with a diagnosis of cancer and I was told I would need major surgery and extended period of chemotherapy. I contacted my Disability insurance company and soon found out the questions they ask and the conditions they were asking me to comply with was very confusing and complicated and I soon felt they did not have my best interest at heart. I felt questions they were asking could have different meanings and would not necessarily best represent my situation.

I felt there must be someone or some articles on the subject of how to best deal with your disability insurance company. I needed to understand all the insurance language to best represent my claim. I soon learned from reading accounts of independent investigation by major TV Networks such as CBS Sixty Minutes that the Disability Insurance Industry had a history of not honoring disability claims or making it very difficult to collect on a claim. This made me even more apprehensive.

I began to search the internet to see if I could find someone with experience in dealing with this problem. I discovered Art Fries’ website and read a number of his articles on the subject and testimonials from satisfied clients like myself and decided to give him a call. Art was very knowledgeable and has many years of experience working in the disability insurance field and has more importantly many high up contacts in the disability insurance companies that he uses to best represent a claim. I sent him a fee and after hours of review of the claim he helped fill out the Claim forms in such a way to best represent my claim. He helped me understand the process and what to expect from the insurance company and how best to deal with them.

Well to make a long story short, my claim was accepted in full and Art still helps me from time to time with the Paper work and advice on how best to deal with my claims process.

Sincerely,
A very satisfied Client
Name Withheld

December 20, 2004

Mr. Arthur L. Fries
225 Via San Remo (Lido Isle)
Newport Beach, CA 92663-5511

Dear Art,

I have now received the first checks from both ------ Life and ------Insurance Companies. When I first started this process back in July, I told you I felt like I was jumping off the high-diving board without knowing if there was water in the pool. It’s a great relief to know that the pool was filled after all.

I wanted to express my appreciation for your help in guiding me through the process of dealing with the two insurance companies as well as the State disability and Social Security (I have my interview with them next week). Your being there to help was a great comfort. I will be contacting you to discuss further forms which I will need to submit to keep my claim active, but I know that I will not have any trouble.

Again, thanks for all your help.

Very truly yours,
Name Withheld

November 27, 2004

Mr. Arthur L. Fries
225 Via San Remo
Newport Beach, CA 92663-5511

To Whom It May Concern:

As a board certified obstetrician/gynecologist with low back pain caused by two herniated discs, I had the good fortune of hiring Art Fries immediately prior to my Independent Medical Exam (IME). My only regret is not asking for his expertise at the onset of my disability.

My disability actually started four months earlier, than my insurance company stated, when I stopped delivering babies and doing surgery due to debilitating back pain. Art is now helping me with the necessary paperwork to change my claim dates. Art helped me compose a SEQUENCE OF EVENTS LEADING TO MY DISABILITY letter and a PRE and POST DISABILITY ACTIVITIES letter that were invaluable at my IME. I was actually thanked by their IME orthopedic spinal surgeon for the valuable information in the above letters. Art extensively prepared me for their IME.

Art Fries expertise, professionalism and knowledge of the disability insurance business are worth much more than his fee. I strongly recommend his consultation before filing a disability insurance claim.

Respectfully,

Name Withheld,
DO, FACOG

October 26, 2004

Dear Art,

Without a doubt, the best use to which I’ve ever put my home computer was the Google search that gave me your name. When I first developed symptoms in early 2003 that would make me have to stop performing endoscopic procedures several months later, I was unsure of the diagnosis. But I was sure that I would end up having to make use of my disability insurance policies. A friend in my field of medicine directed me to the attorney who had handled his lawsuit against his disability carrier once the company had ceased paying his benefits. When the attorney learned that I had not yet made claims to the carriers, he immediately gave me your name as the best person in the U.S. to guide me. A year later, I know that you have given me expert advice every step of the way.

Without your guidance, there is no way that I would have spent the hours preparing the reports detailing my pre-disability work schedule that were the first in a series of documents that have supported my claim. As a result of the guidance that you taught me to give my physician, my medical progress reports have accurately described my limitations in ways which they otherwise would not have.

As I have gone through a difficult rehabilitation after surgery, I realized that my physical therapists’ assessments and my physicians’ notes did not itemize my problems in a way that showed why I could no longer perform most of the duties of my profession. So I created a table of ten key medical problems, their causes, progress made back toward normal, and how these problems are limiting my ability to function. I update this every month and distribute copies to my therapists and physicians. Without this there would be inadequate documentation of the problems that I will continue to face. Thanks for your inspiration.

The process is not over. I have more work to do to help myself recover as well as I can, and more work to do to support my claim for disability benefits. I’m glad that you will be there for me to call.

Yours truly,
M.D.

October 12, 2004

Dear Art,

This brief note is to thank you for your invaluable assistance and professionalism in helping me through the very lengthy and complex process of properly filing my disability claim with Unum Provident. Your assistance was invaluable and frankly, anybody attempting to obtain disability reimbursement without the assistance of an expert like yourself, is in for a long frustrating uphill grind.

Again, I can’t thank you enough for your attention to detail and tremendous amount of time you spent with me assisting me with this process. Frankly, retaining your services was the best investment I have ever made.

With best personal regards,
Respectfully,
M.D., F.A.C.S

October 11, 2004

My health had declined seriously, and for several months I kept hoping that I would be feeling better and be able to get back to running my business, but it just wasn’t happening. I reviewed my disability policies and just knew that it would be a very daunting task to file my claims successfully. I found your website and decided to call you. That one phone call changed my life! Your tremendous knowledge of the whole disability field, including the claims process, your professional and ethical attention and approach, your detailed direction and prompt feedback regarding various documents have been invaluable. Now that my claim has been accepted, I can fully focus on getting better without the strain of financial worries.

Consultant/ Trainer
To Human Resource Depts. Of Industry

September 15, 2004

Arthur L. Fries
225 Via San Remo
Newport Beach, California 92663-5511

Dear Art,

I want to thank you for the invaluable assistance you’ve given me over the past two years. I’ve worked in court and have sat through many disability insurance trials so I was aware of what an insurance company can and will do to avoid paying a claim. I was afraid and at loss as to how to proceed with my claim when I became disabled. With your expert guidance, both my disability claims were approved on the first application, as well as Social Security Disability and my disability retirement. It’s a nightmare of stress and paperwork that I could not have managed without your help. Your professionalism and courtesy make the whole process much easier to handle. It’s also been a pleasure getting to know you, and I highly recommend your services to anyone filing a disability claim. It’s money well spent.

Sincerely,

Official Court Reporter

5/16/2004

Dear Colleague,

Having enough disability insurance that is occupation specific is important. It is also important to pay the premiums personally. But the most important aspect of disability insurance is to make sure that it pays when you have a claim. That is why I feel that Art Fries is as important to me as anything that I have done regarding my disability.

I first read about Mr. Fries in Dental Economics several years before I was faced to retire from my orthodontic practice due to a type of arthritis called ankylosing spondylitis. I placed him on retainer when I started the process of selling my practice and when I worked for the last time in October, he and I started the process or applying for my benefits for three policies under two separate companies.

Art is one of the most professional people with whom I have even worked. He helped me fill out all the forms until they were perfect. He really understands how the insurance companies think and knows how to word every answer so that they won’t come back and ask to redo anything. He always returned my calls promptly, if he wasn’t there when I called and he was very patient when I didn’t understand something.

Once I had been approved for the disability, he was very good about helping me with continuation of benefit forms. I cannot recommend Art too strongly for anyone who finds themselves in my situation. He made a very tough time one that was as stress free as possible. I feel very indebted to him.

A very loyal client
ORTHODONTIST

4/2/2004

My name is ________ and for over 20 years I have practiced dentistry . In November of 2003, I saw an orthopedist for pain and numbness in my left arm and shoulder. Upon reviewing my cervical x-rays the orthopedist words to me were “ You need to retire from dentistry as soon as possible”.

I was having significant pain and numbness by the time I sought medical advice. It became necessary to curtail my work hours as part of an effort to alleviate symptoms. I mention it because this led to a claim for partial disability.

I began the disability claims process upon the advice of my agent. However, once begun, my agent was divorced from the process by the insurance company. Immediately, I became an island. I filled out the enormous amount of paperwork to the best of my abilities.

I received written notification of a personal interview with a field agent, which was to be conducted at my office. My agent assured me it was “no big deal”. The “ interrogation” lasted almost 2 hours and I cannot remember when I have been so angry. The questions were designed to lead me, trap me or incriminate me. It was a verb al mugging. I immediately called my agent to let him know my displeasure. By the way, my relationship with my agent has been and still is one I value and cherish immensely. He let me know in his kind, gentle way that there may be more of this assault on me, and my character. When I hung up the phone I then placed the most important call of my career.

The man I called that day was Art Fries. I had heard of Art from two local dentists who had gone through disability claims and used his services. I was able to speak with Art about my situations within 24 hours. He immediately instilled a sense of calmness and confidence in me before I ever became his client. Without a doubt, that call to Art Fries has impacted my life for years to come.

I am 46 years old and Art has guided my through the claims process to Total disability to age 65. The financial impact on my life is beyond words. I am eternally grateful for his guidance, support, and friendship throughout this process.

My disability claims journey is like so many others. It has been filled with medical tests, evaluations, medications, MRI's, surgeries, denial, anger, questions, and eventually acceptance. It's a roller coaster ride and the great thing about Art is he has experienced it himself. He has also worked with so many dentists and other professionals that he has a tremendous wealth of information that quite frankly no one else possesses.

The purpose of this letter is to offer advice to anyone contemplating having to file disability claims. None of us want to file a claim but when that terrible time in your life falls, expert advice is critical. I struggled through the initial phases of my claims process with no guidance and the naïve belief that the insurance company would believe me at face value.

Don't make my mistake. Become a client of Art Fries before you fill out any disability claim forms and allow him to guide you through the murky waters. His advice to you will be invaluable.

Art, thank you again for your help, guidance, empathy, and camaraderie this past year.

You are the best.

1/7/2004

Dear Art,

I wanted to thank you for all the help you provided me in dealing with this most difficult times in my life. Your expertise, guidance and warm assuring manner was extremely helpful to me.

All I can say is I appreciate you and the excellent work you do.

All the best,
Name withheld

12/02/03

Dear Art,

I wanted to take a minute to thank you for all you did for me regarding my disability claim. Finding you was truly a blessing. When I first started having problems with my hands back in 1995, I was scared about how it would affect my career as a Dental Hygienist. I consulted many different specialists and for years no one seemed to be able to figure out exactly what was wrong with me. While I continued to seek the advise of the experts regarding my pain, my husband came across your website. I didn’t know at the time how extremely important information would be.
I continued to have pain until finally in early 2003 I was no longer able to practice clinical dental hygiene. While trying to deal with the physical pain of my condition and the motional pain of having to give up a career, I contacted an attorney to help me submit a claim to my disability insurance. He rarely returned my phone calls and I began to feel panic stricken. I didn’t feel I could handle dealing with my pain and the disability claim at the same time. I needed “hand holding” and the attorney wasn’t giving me that. I was feeling frustrated and disappointed, and then I remembered that I had written your name down.
I can say with complete honesty that if I had not retained your services, this process would not have gone so smoothly. The packet of information your provided me was priceless. I appreciate how knowledgeable you are and also your professionalism. You always returned my calls in a timely manner and even notified me if you were going to be out of town. I really appreciate not having to make any decisions without your guidance. You have guided me EVERY step of the way.
I am a firm believer in letting the experts handle things, and you are the disability claim expert. If I am ever in the position to recommend your services, I will with complete confidence.
With Sincere thanks and gratitude,

Yours truly,
(Name Withheld)

11/30/03

Art,

Thank you. It has been over a year now since you first helped me with my disability questions. I followed your advice. In the past 12 months I have received over $400,000 from my two disability claims.
I have been too busy to write to you this overdue thank you note, as I have been very active in the enjoyment of my new life.
I was “DR. “ for 32 years. “Dr. *****”, the ophthalmologist, is disabled but has new life. Now I am much happier and there is further good news: My irregular heart rhythm that I have had for about 4 years is now almost nonexistent. I still have the minor inconvenience of a hand and head tremor but I feel that overall I am happier and healthier than I have been it 20 years.

There is no doubt that your help was instrumental in my asking for and getting over $150,000 in money for partial disability that I would not have asked for without your help. In addition to offering me good advice you gave personal encouragement that was very reassuring.
Art, thank you for your help and support!

Sincerely
(Name Withheld)

11/14/03

Hi Art,

Just a note to say hello and to wish you a very happy holiday season. I am still receiving my disability payments, still teaching dentistry, and my life has never been better. I didn’t think I would ever feel this good at the age of 64. Your work and expertise was a blessing for me. Hope you and your family are well.

Sincerely
(Name Withheld)

11/10/2003

Dear Art,

I would like to express my appreciation for your expert assistance over these past three years. As you know, I had a very successful Pain Management and Anesthesiology practice when a severe bowel disorder prompted me to accept a disability status. At this time, I was disturbed by television and print reports of the multiple methods disability carriers used to deny or at least make extremely difficult legitimate claims applications. Used to being prepared for adversity I made a search on the internet for disability consultants, found your informative web site and contacted you. I felt strongly after a few minutes conversation with you that you would help “level the playing field” with the insurance company. Following are some of the specifics you provided:

Sincerely
(Name Withheld) M.D.)

11/1/2003

Dear Art,

I would like to thank you for all the help and the least I can do is give you a letter of recommendation. I don’t know if you need it, but it can’t hurt. I was at a loss with my disability and the problems it caused in my life after almost 20 years in practice. When I first called I was a little leery about your fee (not cheap) and I had 2 different policies. I decided I need expert help and you seemed qualified. I think you were worth every penny. You are very generous with your time and I do not think that you watch the clock, although that was one of my initial concerns. You are in effect a great value for the money. I just received a residual disability benefit and this is just from one of my two insurance companies. I was most impressed with the way you were able to integrate the problems of my pending divorce, tax, legal and disability insurance ramifications and help me to come up with the best course of actions when looking at the big picture. Your advice went well beyond just getting my claim paid. I feel that the work you did will serve me well in the many years that lie ahead. I wish with all my heart that I wasn’t going to be disabled, but I can’t change that. But your advice and help has made it easier and most importantly financially better. When the time comes, if it does I will follow your advice and let you help me negotiate a bulk settlement, rather than deal with them with monthly payouts. Your years of experience are very impressive, and you know just what is needed. Please feel free to give this letter to any of your prospective clients. I am so appreciative that they can call me anytime at the office or on my cell phone. I just ask, if calling my dental office they are discreet with the staff. I will be happy to discuss what my injuries and payouts were like and why are better to have helping than a team of attorneys,

Sincerely
Name withheld---
D.D.S.

10/10/03
Dear Art,

Recently I had my claim for disability accepted and I can’t thank you enough. Your understanding and insight into my particular situation was most commendable. Also, the thoroughness with which you approached each and every request by the insurance company was outstanding, and I believe, one of the deciding factors in having the claim accepted. Chronic pain syndromes come under special scrutiny by carriers so your knowledge of the system was invaluable to me.
Art the part that is difficult to describe, and so to thank you for, was the ‘hand holding’ when it seemed to take forever for a decision on my claim. You were always on top of the situation and reassured me during all our conversations.
Once again Art, thank you, thank you, thank you. Your guidance and efforts on my behalf truly made a difference.

Name withheld---
MD

8/13/03

I want to thank you for your help. Knowing you are there for me has given me the strength I've needed to fill out each form, to take the next step etc. In my depressed state, I cannot pick up a piece of paper and fill it out without direction and encouragement. That you're there and answer my calls so promptly has been as important to me as what you know. What's the saying... people don't care how much you know until they know how much you care,

Sincerely,

Name withheld--

May 12, 2003

Art,
Just wanted to let you know how appreciative my family and I are for the guidance you provided in successfully presenting my case to the insurance company after they decided to stop payment of my monthly disability checks. Although I felt my case was clear cut and obvious, that a radiologist would have residual distortion and chronic eye problems following a significant retinal tear and detachment in my eye, the insurance company looked at it differently. Fortunately, I contacted you and you quickly reviewed the case and restored my confidence. Having honesty and integrity, I only needed to know how to properly convey it. You successfully helped guide and navigate
me through a list of questions, some of which are difficult to answer
without implicating something not intended. By working together as well as your proactive direct intervention through the insurance bureaucracy I was not only to get my monthly check re-instated but received a separate check for the four months when I had to live off reserves. You lived up to and exceeded my expectations as a competent professional with total integrity who always called me back promptly and answered all my concerns.

Thank you for being there when I needed you.
Best Regards,

Name withheld---

4/22/03

Arthur L. Fries, RHU
Disability Insurance Claims
225 Via San Remo
Newport Beach, CA 92663-5511

Hi Art,

I just saw your ad in Dental Practice Report and I began to think of you. My life is on an even keel now. It was a pleasure doing business with you. I want you to know that I don’t think another person on the planet could have done better for me than you did.

I hope this letter finds you and your family healthy and happy. If you need me to confirm your competence I will be happy to speak to anyone.

Respectfully,

Name Withheld---

2/10/03

Dear Art,

This is just a brief note for thanks for your expertise in guiding me through the minefields of disability claims. As the result of your input, the disability company has been quite prompt and cooperative. So far, I’ve had none of the snags that we all fear. Knowing how to handle the paperwork has also been a huge relief.

I would be happy to whole-heartedly recommend you to anyone going through this process.

Again, many thanks,

Name withheld---

1/6/2003

Dear Art,

I want to thank you for your wise and learned council regarding my disability claim. Although I have practiced 18 years and had lots of communications with insurance companies; I would be like a "babe in the woods" regarding this type of claim if not for your guidance.

Since I got hurt I have spoken with a surprising number of associates that have filed claims and have heard the horror stories that some your testimonials alluded to.

There is too much at stake not to have you in my corner when handling a project like this.

Thanks again.

Yours,

D.C.

June 5-02

LETTER OF TESTIMONIAL TO ART FRIES

Dear Recently Disabled Physician:

So you think you know all about medicine and surgery! You've recently become disabled, and you're going to file a disability claim for benefits. Watch out! You are going for a swim with the sharks who handle disability claims. You, as a physician because of your training, are taught to trust, to be honest and guileless. You are coming up against people in the insurance claims business who are devious, misleading and speak a language foreign to you as a physician. If you file that claim before you consult with Art Fries, you are in for trouble and probably will not receive your full benefits in a timely manner, if at all. And if you start the process of filing a claim on your own without his help, it is very difficult to correct the mistakes that YOU WILL CERTAINLY MAKE, and to extract you from the sharks' jaws of the Claims Adjuster.

With Art's help, I was guided through the entire claims process, instructed on what to say, what to write, and how to present myself in a light that would expedite settlement of my claim with maximum benefits.

And once your claim has been approved by the insurance company, don't expect it to be paid without problems. Art will guide you through the minefield that follows.

Take my advice: Hire Art Fries as your Disability Consultant. He is worth every penny of his fees.

Sincerely

MD
Disabled Physician, Southern California

May 31-02

Mr. Arthur Fries
225 Via San Remo
Newport Beach, CA 92663-5511

 

Dear Art:

I opened the mail tonight and found five checks, one for each of my disability claims going back to an original disability date of November 1, 2000 for depression. It could not have come at a better time. My son and I had just come back from moving some of my mother's furniture into an assisted living facility to which she will be moving after her discharge from her most recent episode in the hospital. Words cannot express fully my gratitude to you for masterful guidance and meticulous attention to detail in processing my disability claim. Even if I were not suffering from the depression that has kept me from practicing commercial law for such a long time, I would not attempt to navigate the tricky waters of disability claim procedures without you at the helm of the ship.

Your understanding of what your clients are going through, and your step-by-step procedure has been a godsend. You may have beat your own record with a claim being processed and approved in two months and going back to a disability date 17 months before submission of the claim. Only because of the stack of documentation that you had me submit was this processed so quickly. While the depression still continues, at least the ability to provide for my family and the lifting of the terrible guilt I have felt at no longer being able to be the breadwinner provides me some solace. While I am sure you are proud of your earlier career selling disability insurance, today you are providing a much more valuable and needed service with your sage advice and counseling to those like me that have never gone through this process.

God Bless You.
Warmest regards,

5-20-02

Dear Art,

I want to thank you for your expert advice on how to have my disability claim reinstated. Without your constant reinforcement, I would have given in to the insurance company's tormenting pressure. Being disabled from my profession has been and is devastating but due to your support and knowledge I am now receiving 5,000 /mo., from my insurance company. Thanks again for helping me increase the quality of my life.

Sincerely,

Art Fries, RHU-Insurance
225 Via San Remo
Newport Beach, CA 92663-551

RE: INSURANCE SETTLEMENT

Dear Art:

Your negotiation skills were invaluable in achieving my settlement with the above captioned entities. Prior to your involvement there was no communication between______ and myself. They were content to continue to stonewall. When you became involved, things changed. It took them a while to come around but your persistence and negotiating skills brought them to a reasonable settlement. The amount was very near to what we had previously estimated as being fair. Thank you again.

Sincerely,

March 5-02

Mr. Arthur Fries

Dear Art,

All of your expertise and knowledge of how the disability insurance system works (or doesn’t work) has certainly helped me with the problems I’ve had with Paul Revere. I honestly do not know how I could’ve handled the different
problems without you and I want you to know how much Iappreciate your wisdom.

All of the tricky questions that are asked when filing a claim, I believe, are set up to “hang” or “trap” the Insured. It has been such a relief to me to know that I’ve had and have you to help answer these difficult, tricky questions. My only regret is that I didn’t have your help from the onset of all this instead of two years into it!! Until you started helping me, the struggles with the insurance company were a nightmare and literally nauseating!!

When you found out I was scheduled for two IME’s (nearly one year after the sale of my practice; which I’m sure was an attempt at not paying me) you guided me on how to handle the IME’s, what to look for, some possible tricks and precautions, how to walk in, what to expect, how to get answers before the exams, and how to get copies of the IME reports. Art, I literally feel like I have been in and to some extent still am in a war with my own insurance company.

The Bible, in Proverbs says “only go to war with wise counsel”. Well, Art, my
wise counsel is YOU!! There is nobody in this industry who looks out for the insured, and who gives the kind of insightful counsel that you do.

Since you have been helping me over the past 1 1/2 years, I am getting monthly checks. There have heen some bumps in the road, however, if I would have done EXACTLY what you told me to do, the road would have been smoother, I’m sure. Some of the important things you told me to do, at the time I didn’t think were so important. Well, now I see the importance of your instructions! I’m talking about a couple of times when you would tell me to communicate back with ..... and I didn’t; well, man, I SHOULD HAVE!! But you have always been so kind when I fall, to pick me back up, dust me off, and get me back on the right track again. Thank-you for all those times. Not listening to you exactly really does cause problems because you always seem to have the insight as to what the insurance company was thinking and planning. Like the time you told me you thought the insurance company was setting me up to eliminate me. The fact that I even thought “they couldn’t/wouldn’t be that devious and conniving; surely they know I'm injured and that I can’t practice, and that I would never be that underhanded”, what a joke!! Ten months later they called me and said they didn’t think they should be paying me and wanted to do the lME’s.

Art, I now have a tremendous amount of respect for you, for your insight, knowledge, and wisdom in your field and I really appreciate you and all of your hard work and help.

Also, I would recommend anyone who is in the situation of having to file a disability claim to contact you immediately before taking even the first step or answering the first question. You will spare them the pains and heartaches that .I initially went through. Not to mention that they will receive their benefits much faster! Yes, you said your services are expensive, but you know the old saying “you get what you pay for”. It could sure cost the client far more than just your fees. I am thankful for you and, trust me, you have earned every dime I have paid you. And if I had to do it all over again, I would definitely START with you.

Very Sincerely!

EYE PHYSICIAN and SURGEON

March 3, 2002
Arthur L. Fries
225 Via San Remo
Newport Beach, CA 92663-5511

Dear Art:

Unexpectedly facing the end of a career and total occupational disability is one of life’s most traumatic events. The thought of how to properly present one’s disability claim to a disability insurance company even heightens the anxiety.

I feel blessed that I happened to read about you in my local medical association journal. After checking your website, I called you and my feelings of loneliness and despair quickly diminished.

You guided me thru the process of filing my disability claim step by step. You
were always available for advice, even at night and on weekends. Writing my
two-page "History of Events Leading to Present Total Disability”, as you
suggested, was a refreshing, therapeutic experience that restored my self-
esteem.

Art, you are part father, part psychologist, part attorney, part consultant, and part educator. But mainly, you are a reliable friend in need.

Thanks Art for your timely guidance and support.

MD

April 4, 2002

Dear Art,

I wanted to take the opportunity to thank you for your help in successfully completeing my disability claim. Even with a legitimate claim, the process is confusing and stressful. You helped me clearly demonstrate to my carrier the merits of my case on the first pass and saved me significant time and worry. I can't imagine doing this alone.

I regard you as both a mentor and friend. Thank you again for providing this invaluable service to professionals.

Sincerely yours

MD

D.D.S.
New York, NY

Dear Art,

Thank you for your great help. I was lost without you. With my best wishes.

Dear Injured Professional,

When your private disability carrier decides to come after you and terminate your benefits, you will need a guardian angel, mine was Art Fries.

I had been a health care professional for over fourteen years when I started having various physical problems that were causing me a great deal of pain, and starting to prevent me from doing my job. I would later find out that the ergonomics of the job had brought about numerous bulging discs, bone spurs, nerve compressions, and joint problems. Fortunately for me, these injuries had not progressed to the point of needing surgical intervention. Had I continued to work, I could have potentially been facing multiple surgeries. My doctors insisted that I needed to change my career. This was very hard for me to hear. I resisted their advice until my hands and arms became so numb that I started dropping instruments, and the pain had progressed to the point that I wasn't sleeping at night regardless of what medication I was given.

For nearly three years I navigated the state disablity and workers compensation systems. This was a grueling process, but I knew it wouldn't fast forever. I was sent to multiple Independent Medical Examiners and Qualified Medical Examiners to verify that I was entitled to the benefits they were providing. All of their doctors agreed with my team of doctors, and workers compensation authorized vocational rehabilitation for me. During this time my private disability insurance company was paying me a monthly benefit without interruption. I felt that at least I could depend on them.

My choices for a new career were very limited. I ended up being retrained for a job where I would earn less than 50% of my former income. Unfortunately it was the last option that I was presented given my medical restrictions. Between my new job and my private disability coverage, it would be enough to meet my monthly expenses and I breathed a sigh of relief. Without the disability insurance money I would have been forced to sell my home.
My relief was short lived. Within two months of settling with workers compensation, my private disability carrier sent me a letter stating that I would need to see their Independent Medical Examiner so that they could better understand my medical condition. This is the kind of letter you never want to receive. Since they already had current reports from seven specialists that all agreed on my medical condition as well as x-rays, MRI's, and various scans that confirmed their findings, I could read between the lines. I felt like I was being led to slaughter, but I was not going to go down without a fight.

My first thought was to contact an attorney. After several conversations it became clear that this must be a specialty field, and finding someone who could represent my interests wasn't going to be easy. I ended up contacting the agent that had sold the original policy to me fifteen earlier, explained my plights, and he recommended that I contact Art Fries. This agent had become so disillusioned with how the insurance company had treated his clients over the years that he no longer sold policies for them.

I placed a phone call to Art immediately. I explained that I had a lifetime policy on which I had paid premiums for over fifteen years. After receiving benefits for three years I feared they would try to send me to a doctor that would provide them with some reason to terminate my benefits. He validated my concerns, and told me what he could do to help protect my rights. He was knowledgeable, articulate, experienced and obviously disgusted with the current state of the disability insurance company's underhanded tactics. Evidently, the company I was dealing with had become one of the worst offenders.I hired him immediately and over the next few weeks he reviewed all of my medical records and my insurance policy. The lifetime policy I had could easily cost the company over one million dollars, which made me a significant liability to them.

By the time I was scheduled for the visit with their doctor, I was well prepared and armed with knowledge that would prove to be invaluable to me. The doctor could clearly see that I was receiving professional counsel based on the documentation I had with me, the witness that I brought along, and by the questions I asked him. In the end, the doctor did do the right thing and his report stated that I could no longer continue to work in my field. Whether he did the right thing because he was ethical or because he knew that he could be held accountable, by me, for his recommendation in a court of law, I will never know. He did however run the risk of losing repeat business from the insurance company by not rendering a decision in their favor. Perhaps if patients were well prepared, as I was, doctors would not be as easily swayed by insurance company dollars.

For nearly three months I agonized and prepared for that visit. I worried about my financial future, which resulted in many sleepless nights. My only comfort was that I had Art on my side. I was fortunate to have contacted him before they terminated my benefits.

A few months after this ordeal, the insurance company presented me with a lump sum settlement offer. It amounted to less than one fifth of the value of my
policy. Art advised me not to accept their offer, but told me that he would understand completely if I did. He knows the emotional anguish that his clients face. He understands how ruthless these insurance companies are becoming. I believe he calls it murder by proxy.

My final decision was to turn down their offer. It was not an easy decision. The thought of not having to deal with them anymore was very appealing, but it's about doing the right thing. I paid them a premium for a policy and I am now entitled to the benefits of that policy. I held up my end of the bargain, and Art helped me to force them to hold up theirs. I truly don't know what I would have done without him. I also know, that the insurance company is not going to leave me alone, and that in the future I will probably need Art's invaluable advice again. If you are facing a similar situation, don't risk facing the insurance company on your own. Art can help you fight back in a language that they understand and will respond to. They don't play fair and it could cost you dearly. I wholeheartedly recommend that you retain Art Fries as your advisor and your advocate. In the end, you will be thankful that you did.

Best of luck to you!

8 May, 2001

Arthur L. Fries, RHU
225 Via San Remo
Newport Beach, California
92663-5511

Dear Art,

My disability began almost nine years ago. Like most people, initially I was very angry. As time passed, I became more accustomed to living and working with my problem. As an orthopedic surgeon, I refused to allow my work and my efforts to suffer. Later the symptoms and the treatment began to take its toll. It was more and more difficult to put in the hours, and my results did not seem to be what they used to. For many reasons, like many others, I pressed on not willing to give up what I had spent most of my life learning. My health was worsening because of these efforts. I thought many times over the years about applying for disability. I knew because of the climate of the medical profession in recent years, that an increasing number of physicians were applying for disability. I thought it might be difficult to obtain my disability because of this climate.

I talked to several lawyers who said they would consider "giving it a shot" and in return would keep a percentage of my checks as long as they were paid. That situation was hard for me to stomach. I kept working until I felt that I could not safely perform anymore. I found your name on the Internet searching for disability advice. Since that time, I have proceeded step by step and with your counseling have obtained a full disability status from my insurance company.

I shudder to think what my outcome might have been had I not found your website. Thank you very much.

Sincerely
M.D

To Whom It May Concern,

4/09/01

HELP FOR THE INJURED AND HURTING

If you are reading this letter you are probably in the same boat I was before finding Art Fries.

The scenario goes something like this.
You get hurt and try to keep things going by yourself.
You have been thrown off your horse so you just keep getting back on and trying again.

Your abilities to stay on that horse however are greatly reduced because you are not quite up to snuff or perhaps you can't climb on anymore.

Eventually you determine you can't handle everything on your own.
You realize that you are no longer Superman or Wonder Woman and you can't always handle everything that comes your way.

So finally you concede to do what you never imagined you would ever have to do, that is you have to make a claim against your disability policy because your illness is influencing your ability to make a living. So naïve as you may be you call your agent afraid to tell him the bad news but confidant that you will probably get your money special delivery in a day or two.

After all by the time you get around to asking for it you are likely in pretty bad shape financially, and you may have several kids to feed and clothe. Perhaps you think the longest it could take is 30 days or so, after all if your premiums are not paid within 30 days you get canceled.

The bad news is it may take you years to get any money for your honest genuine disability and a resulting loss of income if you try making the claim on your own.

Ask yourself: What in the heck do I know about making a claim for disability?
Answer: Zip, assuming this is the first time.
Ask yourself: How many claims have the insurance companies processed?
Answer: Millions
Ask Yourself: What are the chances I will get skinned alive?
Answer: Answer that yourself.
Ask Yourself: Do I need someone to help me who is experienced with this?
Answer: Yes,…Art Fries.

I was severely chemically injured and hurting for a long time. It has been an uphill struggle for over 5 years now. I now have some autoimmune issues as a result and each day is difficult.

It is a difficult kind of injury to identify, diagnose, or prove.
I kept hoping for a diagnosis and a cure trudged to 2 dozen doctors over a five-year period of time. As you can imagine it was very costly.

Feeling as I did, not much energy was left to fight with an Insurance Company, let alone run in circles as they will ask you to do.

Had I found Art Fries in the beginning, it would have saved me time, money frustration and torment.
I also may have gotten to the bottom of my health issues in a more timely manner. In my mind I was thinking I would have a diagnosis or I couldn't even pursue the claim. In reality I already had a severe loss of income and an illness, identified or not yet that was keeping me from performing as before.

The insurance company will try and bury you with whatever it is that you can't do. For me it was the paperwork and computations. I also did not know how to communicate with the physicians. Quite frankly I was intimidated by the insurance company and scared that whatever I submitted to them would eventually be turned and twisted into a denial of coverage on some silly detail. I had tried reading and understanding my policy but I am not an attorney and even simple parts eluded my understanding.

In retrospect perhaps most of my paranoia and cynicism was indeed justified. As I was close to approval I thought, I got another denial letter. This was after years and lots of documentation. Fortunately I had hired Art just prior to this point and his expertise is what ultimately made the difference between denial and approval of my claim.

I have a wife and 4 children to support and take care of. I hope to eventually recover enough to work productively and retrain and survive. I don't know if I will ever be able to continue in my chosen field or not. Without Art's help I question if I could of survived much longer. The money from the approved claim will buy me the time I need to get back on my feet.

Don't wait as long as I did to hire Art Fries. The longer your claim drags on the harder life is on your family. You may lose your house, your business, health insurance, etc.…

Best wishes to all those who may read this letter.
I hope for a speedy recovery for you
Sincerely

To: Business Executives
Thank you Art Fries

Prior to my disability, I was an executive in a global technology company, with a large staff and a large budget. My role involved flying all over the world, enjoying the hi-tech environment challenges of break-neck-speed-to-market projects and the immense monetary rewards for success.

Unfortunately I became ill and my physician advised my to leave work. My symptoms included fatigue, headaches, memory loss, dizziness, muscle pain, etc. All subjective evidence those insurance companies hate.

Welcome to the hole aggravating, frustrating, and maddening American mess of the Disability Insurance Claim Denial System Process. I applied for short-term disability benefits, and immediately hired Art Fries as a consultant. Yes, I hired him after reading his web site and talking to him for one hour on the phone. Yes, I sent him a retainer check that very day. And yes, it was the best decision I made.

Although my doctor had documented my illness, I was advised that I would be in for a battle with an insurance company. Insurance company conclusion; "the evidence does not support continued impairment at this time and is without evidence of physiological or physiological documentation. Your symptoms are self-reported without the evidence of medical information we will not extend any benefits."

Art reviewed and interpreted my policy, provided guidance, consolation and expert advice in processing the insurance forms and dealing with requested medical reports. He was a tremendous support. Two particular documents he helped me create solidified my case and help transition me into long-term disability benefits even as the insurance company continued to deny my claim. Without Art, I would have lost all hope.

I recommend you get Art involved early in the process. Without Art, you don't stand a chance.

M.D., OB/GYN, F.A.C.O.G.
1 -29 -2001

Arthur Fries

In March 1997, after rupturing a disk, I needed to put in a claim with my disability carrier. I received the paperwork from the company and began to fill them out. Many of the questions appeared simple, but I sensed that how I answered these questions might be critical in the company's determination of benefits.

Luckily for me, a friend gave me the name of Arthur Fries. Mr. Fries specializes in helping professionals with disability claims. I sent Mr. Fries the forms, and sought his guidance. Mr. Fries was extremely honest, professional, and gave only expert advice. It turns out I was correct in seeking guidance in filling out the forms. Mr. Fries only had to tell me the truth, but he knew what language and information was needed to support my claim. I would have answered several questions in a manner that may have led the company to deny benefits.

Over these past few years, I have not communicated with my disability carrier, either in writing or by phone, without Mr. Fries personally reviewing and approving those communications. In one year, the company changed the form very slightly, but without his guidance and advice, I would have jeopardized my claim.

Mr. Fries has also been very helpful in guiding me to reduce the required paperwork and frequency of exams required by the company. He has insight as to when it is appropriate to balk at the frequency of these, and when to request a change in interval of required reports.

Mr. Fries fees are a small measure when compared to what he can gain you by his advice. I would advise any professional considering a legitimate disability claim to seek his input. To do otherwise, would be shortsighted and foolish.

 Sincerely,

 M.D.

Childrens Dentistry and Orthodontics

To All Professionals:

 Having several disability policies with various amounts and inception dates I foolishly believed that I would be adequately protected from financial problems if I were to become disabled. All my policies were from the major players in the field. When I started the process of filling out forms and being interviewed by the insurance companies, I was in for a real surprise. They have used every possible devious means to stall and prevent me from receiving my benefits. I hired a lawyer who was familiar with these companies and he was very helpful.

 He had read about Art Fries and suggested that I give him a call. When I spoke to Art, it was as though the lights were suddenly turned on. He knows where to dot the "i's" and cross the "t's". If you make one honest mistake they will try to hang you on it. I am now receiving my disability benefits thanks greatly to the consistently excellent advice that Art has shared with my attorney and myself. My only regret is that I didn't meet Art before I started this treacherous journey.

 D.D.S

QUOTE FROM A HIGHLY RESPECTED CALIFORNIA ATTORNEY WHO SPECIALIZES IN DISABILITY CLAIMS/BAD FAITH. His firm has had numerous multi million dollar verdicts/settlements.

"Arthur L. Fries is well prepared, extremely well organized, presents material in clear, concise and easy to follow manner, is believable and trusted".

January 30, 2000

Dear Art,

I wanted to send you a short note to thank you for your honesty, your support and your true expertise during the past two years. When I initially heard from the insurance company telling me they would no longer pay my claim I was devastated. Why had I paid the insurance premiums for all these years? How would I support my family? My depression only got worse. I had saved one of your ads from a professional journal when I first got ill. I called you and you promptly returned my call. After our first conversation I had a good feeling that you were there for people just like me. Everyone around me advised to go to an attorney and sue the insurance company and get a settlement. I knew I needed someone with expertise in this highly specialized area and a settlement was not what I needed. As of right now, with all of your help, the insurance company is paying me again. I still have that good feeling that if I need your help with the disability claim in the future, that you will be there to give me the expert advice I need.

Sincerely,

DDS

1-25-00

Dear Art,

Thanks for the help. Your back-up and input is invaluable.

BOB

May 30, 1999

Hi Art!

Great News! Got about $21,000 on 2 personal policies and they needed more info on BOE. They are paying residual as far back as 4/20/98. You are a genius!

Thanks so much.

 

Robert Mars
Attorney at Law
30100 Town Center Drive, Suite #0-437
Laguna Niguel, California 92677- 2067
PHONE & FAX: (800) 852-6277

August 25, 1998

Mr. Art Fries, RHU
225 Via San Remo
Newport Beach, CA 92663

Re: My Disability Claim

To Whom it May Concern:

I am a California Attorney, currently collecting long term disability benefits under my disability policy.

As an attorney, I had settled millions of dollars of claims with Insurance Companies. I thought I would be prepared to make my own disability claim. I was wrong. My Insurance Company came up with each and EVERY excuse to delay and deny my disability payments. I later learned that many Disability Insurance Companies are in financial trouble, and they are denying a huge percentage of claims on very dubious grounds. They will trick you, lie to you and spy on you to avoid paying your claim.

Finally, I retained Disability Insurance Expert Art Fries to assist me in my claim. What a difference! Once I followed Art's advice, the Insurance Company paid me in full, including back payment with interest of the benefits they had denied. Even as an attorney I had made mistakes in pursuing my claim that only an insider like ART would know about.

If you are a professional contemplating making a disability claim, I have two words of advice for you: ART FRIES. Do yourself a huge favor, and hire him now, BEFORE you submit a single paper to your Insurance Company. Do not wait, like I did, until the Insurance Company has denied your claim. You can save yourself from sleepless nights and financial ruin by following Art's advice.

 

Sincerely yours,

Robert Mars
Attorney at Law

EXECUTIVE
DIRECTOR'S REPORT

by David Knetzer

A Must For Your Rolodex

There are two kinds of insurance companies, those whose corporate policy it is to pay Claims and those whose policy it is to deny claims. Good insurance brokers strive to do business with financially sound (AAA+ in Best's) companies whose attitude is to pay claims. Unfortunately, I am hearing stories about physicians who are not able to work being denied disability benefits even from those Companies that are financially sound. Being hassled by a clerk in an insurance company is like being kicked when you are down.

Call Art Fries - 1-800-567-1911. Add him to your Rolodex as the person to call if you or one of your patients are being hassled over a disability claim. Mr. Fries is a former insurance executive who, on a fee for service basis, guides you through the maze of insurance company policy/procedure and bureaucracy.

He will advise you on how to complete the claim forms. He will Walk you through the process so that you will know exactly what to expect. He will hold your hand through the tough times if your carrier's policy is to deny everything to grind you down. He will analyze the numbers if your insurance company makes you a cash offer instead of the monthly disability payments you expected.

He's an impressive "hold their feet to fire" kind of guy that you want on your side. Make sure Art Fries - 1-800-567-1911 is in the old Rolodex.

SAN DIEGO PHYSICIAN / JULY 1998

Nov 16, 1998

Dear Art,

I am here in receipt of your statements of 10/31/98 and 11/12/98. First I want to thank you for you help in dealing with Provident Insurance Company. I believe that our persistance and organization of overwhelming evidence contributed to their reversing their original position. Your insight to the nature of the problem and strategy also very much contributed to their about face of the interpretation of policy language for their selfish benefit. Although right was on our side, they needed appropriate nudging.

For This, I Again Thank You.