Disabled Insured Testimonials

January 23, 2011

Gerry:

It has been a year since I was introduced to you and you began to assist me with my disability claim. I cant thank you enough for your guidance and recommendations with my claim. Your knowledge and expertise in the disability insurance arena gave me the reassurance I needed to file my claim.

I strongly believe that without your assistance the claims process would have been extremely difficult and demanding, adding undue stress to myself and family. Your explanation of the claims process, your professionalism, and your attention to detail is a service every claimant should seek.

I will continue to express my gratitude for all that you have done for me by referring Gerry Katz and Disability Income Concepts to all professionals considering a disability claim.

Respectfully,

                        , D.D.S.

January 6, 2011

Dear Gerry Katz,

    When I first was introduced to you, I thought your manners were very professional, your fund of knowledge was impressive and your help has been proven to be of immense value to my claim process. I cannot thank you enough and I would highly recommend your services to anyone in need.

Sincerely,

                            , M.D.

(OBGYN)

January 5, 2011

Gerald Katz, MSPA, RHU, ALHC, DABDA, FACDE
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, FL 33326

Dear Gerry:

I want to thank you for the assistance you have provided during my disability claim the past year. One year ago, knowing my disability would permanent it was a time of great personal stress and some fear of the future. Your experience and guidance helped me calm down and proceed with the claim knowing I was taking the correct steps in managing the process. Also, it has been very helpful to pick up the phone and call you whenever a question arose regardless of the issue.

I sincerely appreciate your professional approach and your commitment to good old fashion personal service.

Have a great year!

Sincerely, with best personal regards,

                            , CLU

(Insurance Consultant & Financial Planner)

December 29, 2010

TO WHOM THIS MAY CONCERN:

I used the services of Gerald Katz of Disability Income Concepts, Inc. with respect to making a disability claim. My policies covered me as a trial attorney, however the forms sent to me by the disability carrier asked for information in a way that was not geared towards my claim which created a situation where information was being sought that was not relevant. Gerald Katz guided me in properly filing out these forms and avoiding what I considered to be subtle traps created to deny my claim.

Even though I have successfully handled lawsuits for clients with disability claims, I found Gerald Katzs guidance instrumental in my obtaining the benefits that I was due without having to file a lawsuit. In the final analysis his help was invaluable and I probably would have wound up in litigation but for Gerrys help.

I highly recommend that his services be used behind the scenes so as to be guided through a maze of papers and questions that are designed to trip up claimants and delay or deny their claims.

                            , Esq.

(Trial Attorney)

December 24, 2010

Gerald Katz

P.O. Box 266257

Weston, FL 33326

To whom it may concern;

Disability insurance is something you get when you are starting out in business but hope you never need to use it. After 35 years of practicing dentistry, problems with my hands and neck led me to the realization that I would have to sell my practice at a time earlier than I had planned.

At this point in time I was introduced to Gerry Katz by a colleague of mine. I was fortunate to have someone with Gerrys expertise guide me through the daunting task applying for disability benefits. At every step in the process, from our initial meeting to the approval of my benefits claim and beyond, Gerrys analysis and guidance were instrumental in the success of this process.

I would strongly recommend Gerry to anyone needing disability benefits advice.

Respectfully,

                                DDS

April 5, 2010

Gerald (Gerry) Katz
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, FL 33326

Dear Gerry:

I have no words to thank you enough for assisting me with my disability application. The application and whole process seemed very complicated and time consuming, at a time when I was already feeling very depressed not to be able to perform Interventional Cardiology procedures due to severe pain, stiffness and loss of dexterity in my hands due to very disabling traumatic arthritis secondary to previous injuries. My whole career of Interventional Cardiology which I pursued with great passion came to an abrupt end. I obtained certification in Interventional Cardiology attended numerous seminars, conferences and hands on training sessions perfecting my skills over many years, earning the respect of my colleagues and confidence of my patients.

It was very disheartening at the peak of my career to quit a quasi surgical field which I enjoyed practicing so much. This also resulted in a tremendous loss of income.

Your encouragement, support and professionalism will always be greatly appreciated.

Sincerely,

                              , M.D., F.A.C.C.

Board Certified - Internal Medicine, Cardiology & Interventional Cardiology

January 27, 2010

To Whom It May Concern:

In February 2007 I had to stop working due to disabling health issues. As a practicing psychologist for 23 years I thought I knew how insurance companies work. But I had also seen many of my patients struggle for years to obtain disability benefits, so I assumed that there could be multiple minefields on the path of accessing benefits.

Gerry Katz was recommended by a dentist who had been in my position and found that Gerry's consistent, knowledgeable support allowed him to obtain his benefits quickly and efficiently.

I had the same experience. He guided me through every step. He was extremely thorough and he was available for every question and issue that came up.

I had no idea how overwhelmed I would be emotionally by closing my office. My mental functions were impaired by medications and pain. Gerry is extremely organized. Gerry's patience and attention to detail was enormously helpful. He is a true gentleman in every sense of the word. He was totally aware of the stress of the entire process and his support and particularly his availability to me to answer questions and respond to concerns gave me the comfort of having a true advocate in my corner.

I would recommend him without reservation.

Sincerely,

                       , Psy. D.

Clinical Psychologist

March 23, 2009

Disability Income Concepts, Inc.
Gerry Katz
P.O. Box 266257
Weston, FL 33326

Dear Gerry,

I hope you are doing well. I just wanted to let you know how grateful I am for all your guidance on my disability claim. I must say, that it truly was one of the most stressful times of my life. I was very fearful and did not know what to expect. Having you guide me through the process, giving me the information and the knowledge that I needed put my fears to rest. I believe that having you in my corner was instrumental in getting my claims approved and getting me my benefit checks.

I can not imagine people trying to go through this process alone. No matter how smart you think you are or how disabled you are, these insurance companies will try to find a way to not pay your claims. Any one that is disabled is probably going through some very tough times, both physically and emotionally. How great to have someone like you, with all your experience walking me through the process. From the first day I contacted you, through the entire process, you were right on about what I was to expect and what I was to do and not do.

Again, I can not thank you enough. Not to mention that you are a kind human being who cares deeply about his clients. You have gone that extra mile and no amount of money in the word can buy that genuine quality.

With all my gratitude,

                                    D.C.

(Chiropractor)

4/21/08

Dear Gerry:

I want to take this opportunity to thank you so much for your expert help in attaining my disability benefits from my insurance company. I knew the time had come that I no longer could practice dentistry.

Your knowledge and availability gave me a great sense of security.

I wish you peace, health and happiness!

Sincerely,

                      , DMD

April 20, 2008

Dear Gerry,

Once again, thank you for helping me to secure disability income benefits from my two (different) disability carriers and from my overhead policy as well. My personal claim administrator with each company was really impressed by the thoroughness of my completed forms. And, because of the "clean" forms, payment was received quickly. They just didn't have a reason to delay sending my benefit! They actually told me this.

I have talked to several other professionals (dentists and physicians) who have had nothing but trouble with the claim process and I believe it was because they did not have a "pro" like you in their corner.

Because you had alerted me to the common tactics used by the insurance carriers there were very few surprises. And that was a good thing.

If any of your future clients would like to talk to me, please do not hesitate to give them my number.

I hope you are well and that we can someday shake hands.

Kindest regards,

                                    , DMD

April 11, 2008

Gerry Katz
Disability Income Concepts, Inc.

Dear Gerry,

I just wanted to write you a short not thanking you for your help and assistance on my disability claim.

Although I had practiced law in many fields over thirty-eight years, I was not familiar with the forms and questions the disability company was asking.

Your assistance made it much easier to understand what they were looking for, and how to present it to them. I have used this knowledge in applying for Social Security disability, which is still pending.

Thanks again,

                            , Esq.

4/8/08

Gerry,

I would like to take this opportunity to thank you for all your help and advice which led to me receiving my disability in a quicker manner than either of us could have imagined. Your thoroughness and understanding of the system made for an outstanding blueprint for me to easily follow.

Gerry, your compassion and patience is incredible. It has truly been a pleasure working with you. To say you know the system is an understatement.

My husband and I also must thank you for your continual communication with us. It is nice to know that you are always available to help us every step of the way.

Fondest regards,

Dental Hygienist

August 1, 2007

Mr. Gerry Katz
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, FL 33326

Dear Gerry:

I wanted to thank you for your guidance in helping me navigate the disability coverage application process. Your guidance in understanding the process from both the claimants and providers views helped get my application processed and approved easier and in much shorter time than what I was told to expect.

As you know, I initially questioned whether I should have waited to sign up with you until after I had experienced a problem, as is typically done and recommended by the attorneys that represent the applicants when applying for Social Security disability.

I now know that I definitely made the proper decision signing with you before I had experienced a problem. This was a completely different process from how Social Security is handled.

The application and approval process that I had was a much more positive and easier one than others that I know had with their private company disability applications.

Thank you again for all of your help.

Sincerely,

(Restaurant Owner)

January 7, 2007

Mr. Gerald Katz
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, Florida 33326

Dear Gerry:

I can't express my deepest gratitude to you on what it has meant to me and my wife with regard to you helping us get through this claim procedure with such success.

You extensive knowledge of the disability claims field has proven to us that without you it would have been a very complicated and detailed procedure which you made so simple to us.

Thank you again for your support and being there when we needed you.

We will keep in touch. So far, everything is working out great.

Sincerely,

(Court Reporter & Owner of Business)

April 6, 2006

To Whom It May Concern:

Re: Disability Income Concepts
Gerry Katz, Consultant

Unfortunately, I have had the need to use the services provided by Gerry Katz. This followed a Medical Condition which severely interfered with my ability to continue my Medical Practice full time.

I wanted, needed and was advised to seek professional help in initiating my Disability Claims and took this opportunity to start using the services provided by Gerry Katz.

Make no mistake; this was an invaluable service to me. And, should you be considering a claim, dont even hesitate to use this service. I am pretty damn smart, but let me tell you something, the Insurance Industry that sold you a Disability Policy, is 5X smarter.

Much of what you think you are insured for is veiled in gray language. If you dont start the process correctly, and perhaps have someone helping you from the sidelines through the ongoing process, you are almost guaranteed to fail or delay, collecting your disability benefits.

Gerry Katz is a well informed, highly organized, and thorough individual who takes the time to help you through this lengthy and arduous process. He is methodical and knows the thought process of the Insurance Companies. This strength made the difference for me in collecting my Residual Disability Benefits. I have complete trust in his judgment, advice, and when needed, his referrals to other professionals you might need.

Again, do not hesitate to consult with him if you are considering a claim. It is money well spent, and will not only save you from untold hassles with your claims; it could actually save you from a denial of a claim and loss of your disability income.

Sincerely,

, M.D.

(Family Practice)

February 16, 2006

Disability Income Concepts, Inc.
Mr. Gerry Katz
P.O. Box 266257
Weston, Florida 33326

Dear Gerry,

We wanted to take this opportunity to thank you for your services and guidance. Over the course of the past three years, I have had the good fortune to closely work with you in connection with the disability claim on behalf of my husband, doctor , Jr.

Yours assistance was critical during an extremely difficult time that required extensive and exhaustive interpretation of our policy, the benefit, transactional procedures, and processes that would have a substantial financial impact for my husband and our family.

During this time, you devoted countless hours explaining the implications and provisions of my husbands disability policy, as well as advising and leading us through the complex claims filing process.   I can recall clearly when we reached out to you, my husband was about to undergo a life-threatening surgery and was counting on me to handle the financial implications of his health situation. Without your expert assistance and commitment, I would have been lost and not have known how or where to begin. Your assistance was vital to a smooth and favorable determination. You were thorough, knowledgeable, and extremely responsive you provided us great comfort about the process and the benefit. You actually interpreted our policies in such a way that we were able to clearly understand the disability benefit and our rights.

You have always been accessible and, as a direct result of contracting you, we have successfully achieved benefit for the life of our disability claim.   Whenever any questions arise and we have any concerns, we immediately seek your advice and any correspondence about our claim is reviewed by you ---- simply stated, you are an expert on the subject.  Moreover and as important, you are a very kind and engaging person, a consummate professional who has offered us a caring heart along the way of a very difficult and emotional process.

It is our pleasure to have made your acquaintance and we look forward to your continued expertise and guidance.

Best Regards,

(Wife of Cardiologist)

February 9, 2006

Gerry Katz, President
Disability Income Concepts, Inc.

Dear Gerry,

I am writing to thank you immensely for the fantastic job you did in guiding me through my disability claim. After over twelve months of constant proctoring on your part, finally my insurance carrier began to pay my disability claim some months ago.

I thank you for all of your timely and constant advice in getting this accomplished, and also for your continued encouragement when the outcome was uncertain. I am thoroughly convinced that without your input my claim would not have been settled for the hundred percent of its maximum value. My family and I thank you once more.

Sincerely,

                        MD

(Urological Surgeon)

January 31, 2006

Mr. Gerry Katz
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, FL 33326

Dear Gerry,

I was thinking today that it was more than two years ago that I first spoke with you, to seek your assistance in helping me to obtain disability benefits through my private insurer.

It is over two years later and I have, thanks to you, been successfully receiving my disability benefits for more than two years. I believe, with absolute conviction, that it was your expert guidance that has made that possible.

From the beginning, I was very nervous about the claims process and whether I would be treated fairly by my insurer. I had seen and read of many examples of truly disabled policyholders who, on their own, had been unable to successfully prepare and submit a claim and how often their claims were denied.

Gerry, the best thing I ever did was call you BEFORE I submitted my initial claim. I absolutely believe it is much better to submit a clean and thorough claim the first time than to try to go back and correct a problem after the fact. Your expertise in the field of disability insurance coupled with your "inside" knowledge of how these insurance companies operate their claims units are second to none. From our first conversation, I knew that my chances for a successful claim would be infinitely greater under your guidance and direction.

You've been with me through every step in the process and that has meant the world to me. I've often thought about how very different things might have been without your help. You have been so generous with your time on the phone with me and so responsive when I've needed your input quickly. You have made a huge difference in my life and I am very grateful to have found you.

Warm regards,

(Executive Recruiter)

December 17, 2005

Dear Gerry,

At this Holiday time of the year I want to wish you and your family a healthy and happy New Year.

I would be remiss if I also didn't let you know how very grateful I am for your expert knowledge of the insurance industry and your acumen in helping me obtain disability compensation.

Gerry, you painstakingly led me through every detail and step of the way. You made obvious to me insights and structures of insurance questions that I needed to look at from a different perspective. It was your guidance that allowed me to continue the process and not give up in despair.

Your expertise and follow-up were more than I expected and I just wanted to thank you and let you know how appreciative I am.

Without you --- I would not be able to get what I was entitled.

Sincerely,

(Travel Agency Owner)

November 16, 2005

Mr. Gerald Katz
P.O. Box 266257
Weston, FL 33326

Dear Gerry,

I hope that you and your family are doing well and I trust you will have a great upcoming holiday season.

I just wanted to express in writing my sincere appreciation for your assistance in helping me navigate through the red tape of applying for and receiving the disability benefits. The advice that you provided was always very accurate and timely and certainly saved me hours and weeks of apprehension concerning the liability of my claim. In fact, without your assistance there is no guarantee that the claim would have been honored. I would certainly recommend your expertise to anyone who finds themselves in need of disability advice and assistance. I also appreciate the fact that I have been able to call you for telephone consultation even a year later when questions have arisen and you have been more than happy to continue to provide counsel.

Thank you for your help and my wife and I wish you and yours a happy and successful new year.

Sincerely,

                            , MD

(Cardiovascular Surgeon)

6/1/05

Gerald Katz
Disability Income Concepts, Inc.

Dear Gerry,

I just want to take this opportunity to thank you for your services.

I've found your insight to be extremely helpful in processing my claim. I feel your experience and suggestions in filing the initial application was instrumental in my receiving benefits so quickly. When I had subsequent questions you were always there with the right response.

Again, I thank you. I found your services a terrific help and would highly recommend you to anyone filing a disability claim,

Sincerely,

(Optician)

March 2, 2005

Gerry Katz
Disability Income Concepts, Inc.
P/O. Box 266257
Weston, Florida 33326

Dear Gerry,

I wanted to send you a note thanking you for helping me obtain my disability benefits from my companies. With your guidance and wisdom, I think the process went relatively smoothly.

I would encourage anyone who needs to apply for disability benefits to utilize your services to help make the application process less stressful. I also appreciate your kind demeanor in which you helped me deal with a very stressful event in my life.

Thanks gain,

Sincerely,

                            D.C.

(Chiropractor)

February 24, 2004

To Whom It May Concern:

The purpose of this letter is to highly recommend Mr. Gerry Katz and his company, Disability Income Concepts, Inc.

Due to an illness that prevented me from continuing my former occupation as President and CEO of my own company my doctors and I agreed that I should file for my disability insurance benefits.

Since it is very important to correctly fill out the many forms necessary for the filing, my insurance agent recommended that I hire a consultant specializing in disability claims. Luckily for me Gerry was the one.

Gerrys demeanor and attitude made a difficult time in my life much easier. He is meticulous in his work leaving nothing to chance and checking even the smallest detail.

I could not offer a better recommendation for Gerry both personally and professionally.

Thanks to Gerrys advice and support I was able to successfully force a very uncooperative insurance company to pay my claim.

If for any reason you would like to contact me regarding Gerry please feel free to do so.

Sincerely,

Thomas , CEO

December 3, 2003

Gerald Katz
Disability Income Concepts, Inc.

Dear Gerry:

Thank you for your help in dealing with my disability insurance policies. You explained in clear and unambiguous terms the benefits that I was entitled to under the various options of my policies. You then explained the sequence of interviews and information that would be expected of me. Furthermore, you explained the meanings of various terms and forms I was required to fill out as well as the written inquiries that I received.

Your expert advice, availability and support in traversing this unfamiliar ground were and remain of great value to me. I also appreciated your recommendation to seek an attorney when there were legal matters involved. If ever a friend or colleague should become disabled, I would have no hesitation in recommending you.

Sincerely,

                        , M.D.

(Orthopaedic Surgeon)

October 2, 2003

Mr. Gerry Katz
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, FL 33326

Dear Gerry:

I would like to take this opportunity to thank you for your guidance, advice and support in the preparation for, the filing of and your continued assistance through the complete process of my disability claim. After our initial conferences and reviewing your resume, together with the very strong recommendation I received from a prominent insurance executive, I was convinced that I had found the right person to help me through, what appeared to be, an overwhelming process. Your unlimited knowledge, coupled with your vast experience and expertise, made me feel comfortable and confident throughout the claims process.

Gerry, I can without a doubt, say that I could not have made it through the claim process by myself. It is hard enough to deal with my disability each day. Your invaluable knowledge, expertise and dedication to your clients are continuously reflected from inception of the claim through the receipt of the disability income checks from the insurance company.

I advise and recommend to anyone who has the privilege of knowing you or being recommended to you, to take advantage of probably one of the best disability claims consultants in the nation.

Thank you again, Gerry, for enabling me to successfully complete my claim and continue to provide support to my family and get on with my life.

You are the Best!!

                                                      With my highest regards and sincere thanks,

                                                                                , C.P.A.

July 17, 2003

Mr. Gerald Katz
c/o Disability Income Concepts, Inc.
P.O. Box 266257
Weston, Florida 33326

Dear Gerry,

I would like to take this opportunity to thank you for all the help that you have given me. Since my heart attack last summer my life has been very difficult, and you have helped me tremendously by steering me through the obstacles in the process. By the process of course, I mean the laborious and aggravating process that the disability carrier puts each and every one of their claimants through.

Your advice and expertise as a consultant made the process much smoother and steadier for me, and ultimately, achieved the goal of receiving the benefits that I paid for and deserve to receive.

Thank you for all your help. I would highly recommend your services to anyone who happens to be in the unfortunate situation of needing to process a claim for disability benefits.

Sincerely,

(trial attorney)

June 1, 2003

Dear Mr. Katz:

As a child my mother was insistent that we write thank you notes when kindness was extended to us. Saying thank you is good manners, writing thank you is a statement.

My call to you November 2001 came out of the blue. We were in need of help. Many people look for what they get from people. However, you didn't. You came to our aid although there was no economic gain for you. Your recommendation of Greg Denes, Esq., was the most significant weapon in our battle with the company. I interviewed six attorneys and Greg was my gut choice. Greg was successful in obtaining a lump-sum settlement that ends our relationship with the company. No amount of money gives back what that company has taken. However, we can get on with our lives and live without fear.

This note has taken me some time to comprise. I don't know you and therefore, I don't know what I can say to make you realize your contribution to our lives. Except to say, we are profoundly grateful.

For all the good people who touch our lives, I say thank you and you made a different. I don't believe our paths will cross so have a happy, healthy and rewarding life.

Gratefully,

Katie

(wife of disabled Gastroenterologist)

November 12, 2002

Mr. Gerry Katz
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, FL 33326

Dear Gerry,

Hi Gerry. I have been meaning to sit down to write you this note but as you know, given my back condition sitting is something that I just try to avoid and that reality easily lead to procrastination.

But I am happy to finally put on paper my thanks for you skilled assistance as I went through the process of filing my disability claim. It was not easy finally coming to the realization that my deteriorating health left me unable to work as I had so successfully done for the last 25 years. That is a frightening prospect and one that does not come easily.

In that stressful state it was good to have someone with your perspective and experience to help me properly navigate the disability claim process. When one is ill and dealing with the stress of a life transition it is important to have the support and guidance of someone who can make sure communication with the insurance company is clear. That prescription was filled perfectly once I chose you to help me.

Please feel free to share this note with a prospective client. I hope it offers reassurance and confidence to someone in the position I once was. Thats not to say the need for your counsel has ended. As we have discussed, this is a relationship that continues as long as my health is such that my disability claim needs to stay active. Thats a good feeling of security to have.

I might also add, for benefit of potential clients; you are direct and honest, not always telling me easy answers I may wish to hear, but the truth and facts I absolutely need to know. You analyze the facts and reality of a situation and use your great knowledge and experience to advise accordingly.

I am very glad to have you in my corner and am sure that any person facing similar straits will be as happy as I am and benefit greatly from your services. Thanks again, Gerry.

Sincerely,

Media Sales Consultant

October 30, 2002

Mr. Gerald Katz
Disability Income Concepts, Inc.
P.O. Box 266257
Weston, FL 33326

Dear Gerry:

I would like to take this opportunity to thank you for all your invaluable assistance in helping me with my disability insurance carriers.

You knowledge and expertise was surpassed only by your professionalism. Without your help I am not sure whether I would be able to navigate through the mine fields of disability insurance.

On a personal note, I would like to thank you for your genuine concern and friendship.

Best regards,

Sincerely,

Commercial Real Estate Leasing

October 18, 2002

Disability Income Concepts, Inc.
Gerald Katz
P.O. Box 266257
Weston, Florida 33326

Dear Gerry:

I would like to thank you for an expeditious resolution of my claim. I note from our discussions that it was quite difficult concerning the circumstances. Certainly your extensive knowledge of the claims process as well as the intricacies of the four companies that I was dealing with was instrumental in this more than satisfactory outcome.

I also appreciate the fact that we obviated the necessity for attorney intervention in this dispute. During those uncomfortable periods of impatience that I experienced, you were a calming and stable force. I am truly grateful that I was able to put my trust and my familys trust in your hands. I had only heard the highest accolades for your services, and your professionalism was confirmed throughout the process of my claim.

Again, my sincerest gratitude and best wishes to your family and to you and your future endeavors. I would certainly recommend your services if another physician meets the unfortunate circumstances that I have encountered.

With Appreciation,

, M.D.

Orthopaedic & Spine Surgery

JUNE 20, 2002

To Whom This May Concern:

Approximately two to three years ago I began to notice pain in my neck and back region. This pain became progressively more severe. Eventually it began to interfere with my daily functions as a physician. Last year I had to begin working part time because of this disabling pain. My physicians examined me thoroughly, including x-rays and scans. They prescribed different modalities of physical therapy treatments and medications. In addition I underwent neural blocking as well as chiropractic manipulations and acupuncture. In all I was seen by four physicians in different specialties; two separate physical therapists, a chiropractor and an acupuncturist.

The therapy went on over a period of approximately nine months. My pain persisted in spite of this intense treatment and I had to stop working altogether because of the disabling pain. I presently continue seeing my physicians, taking my medications and doing the prescribed therapy exercises. My physicians considered me to be totally disabled in my medical specialty based on all their medical findings, observations and my inability to fulfill my duties at work. As my condition did not improve and continued to deteriorate, they were highly concerned about my health and the effect my pain might have on my medical judgment.

Since I had disability coverage insurance I decided to pursue a disability claim. An acquaintance of mine told me that such a pursuit might be difficult, confusing and fraught with problems that should be addressed at the onset of the claim. He recommended the services of Mr. Gerald (Gerry) Katz in Weston, Florida as a nationally renowned expert in the field of disability claims. I got in contact with Mr. Katz who very clearly outlined for me the steps I needed to take to facilitate my claim application, and how to expeditiously fulfill the disability companys requirements that were asked of me in the claim application forms.

In spite of my advanced education I dont believe I would have been able to smoothly pursue my claim without Mr. Katzs aid. He guided me successfully in pursuing my legitimate disability claim. For instance, he gave me priceless advise on what procedure to follow when the company was taking longer than usual in processing the claim. Whenever I called Mr. Katz he was always promptly available, either locally or by long distance, to answer my questions and give me valuable information. I strongly believe that without him, the claim process would have been extremely difficult and drawn out. After my claim was accepted by the company there were still issues in which Mr. Katzs expertise guided me in the right direction.

I understand that he has helped claimants who did not have his guidance at the outset of their claim, and had to resort to his expertise in order to successfully navigate the often times Byzantine claim processing system and its aftermath.

I have to admit that I still call him from time to tome to clear up points and answer questions that come up. He is always available with correct answers.

I feel fortunate to count him as my advisor in these matters and strongly recommend his services to anyone in a similar situation.

MD

Anesthesiologist

May 12, 2002

Dear Gerry:

I want to thank you for the excellent job that you have done for my family and me. As you know, dealing with insurance companies can be very difficult with their tremendous amounts of paperwork. You have been such a great help to my wife in a very stressful and challenging time in our lives. I dont know how she would have managed the overwhelming paperwork from the disability claims department of our insurance companies without you.

I believe that most people have no idea how much an expert like you can help them get through the difficult and challenging times of a disabling accident or disease. We were so fortunate that a friend of ours told us about you and literally insisted that we contact you to help us manage our disability claims. You not only are tops in your field, but you are a great guy!

Thanks so much for all you help. My best wishes to you and your family.

Sincerely,

DDS

Practice Limited to Periodontics

June 13, 2001

RE: Mr. Gerald Katz

I have known Gerry Katz for approximately nine months. He helped me fill out the disability forms which initially seemed impossible. Through his expertise, persistence and hard work, we were able to successfully complete the applications for my disability policies. I am convinced that without his counsel I would never have completed the forms or would have made major blunders, which would have brought about major delay and most likely litigation. I highly recommend Gerald Katz as a consultant for any disability claim and I would be happy to take any calls regarding his recommendation.

Sincerely,

M.D.

Cardiovascular and Thoracic Surgeon

March 5, 2001

RE: Disability Income Concepts, Inc.

Gerry Katz

To Whom This May Concern:

I came to Gerry Katz through a mutual friend. I knew the world of disability insurance contracts was one with which I lacked familiarity. With so much riding on the outcome, I thought it ill-advised not to hire a professional consultant for this purpose.

From our first telephone conversation, I knew it was right to hire Gerry for this engagement. His insight into the whole process and his knowledge of the various "nooks and crannies" were extraordinary. He was always honest and up-front in his dealings with me always letting me know what to expect. He knew I hated surprises.

Invariably, questions and issues arose that required instant feedback to satisfy my sometime unreasonable demands. Gerry was always there for me.

The key to professional service is responsiveness. Very few are responsive and accessible to their clients. I always operated that way when I was in practice and it was refreshing to find those same qualities in Gerry Katz.

I highly recommend Gerry for his specialized services.

CPA

January 12, 2001

Dear Gerry:

I want to thank you for all the help that you have given me during the process of application for my disability claim. The combination of being forced to retire years early as a result of injury and the unknown territory of the claim process was daunting. You led me through the ordeal with care and generous grace. You were a real friend in a time of need, and I am truly grateful

With profound thanks,

M.D.

General & Vascular Surgery

December 4, 2000

Dear Gerry:

I have greatly appreciated your assistance and guidance in preparing and processing my disability claim. Your insight into this claim process has been extremely beneficial. Your professionalism and service has been exceptional.

I highly recommend you to others who are in need of filing for disability payments. You genuine concern and ability to counsel make this process less stressful, much smoother and much more successful.

As always, your help has been very much appreciated.

With greatest respect,

M.D., D.P.M.

August 7, 2000

Dear Gerry:

I hope this letter can serve as an expression of my sincerest appreciation of what youve done for me regarding my disability claim. The guidance you provided based on your years of experience and knowledge allowed me to succeed in this difficult process. Your level of expertise allowed me to avoid the various landmines insurance companies set so they dont have to pay. You are a true professional in every sense of the word and I would recommend your services to anyone seeking insurance benefits.

Sincerely,

D.C.

August 1, 2000

To Whom It May Concern:

I became disabled due to numbness, paresthesias and pain in my arm and hand because of cervical spondylosis in late 1998. I had undergone neurosurgical cervical operation in December 1996. With the help of my insurance agent, I filed disability claims on nine policies in late 1998 to early 1999. As this process progressed, my agent referred me to Gerry Katz for his advice and help which was initiated in November 1999. Mr. Katz has helped me through this ongoing process in construction of letters to the insurance claims specialists and we have about ended the process in a favorable manner without attorney involvement. We have been at it for nine months and the help provided by Mr. Katz has been timely and tactically on target through out.

I would recommend, that someone with a disability claim, procure the services of Mr. Katz at the outset. Because, if not, you are being led by the company as your claim is being developed. Gerry has been punctual, friendly, and most important, thoroughly knowledgeable about all steps in the claims process.

Sincerely yours,

M.D.

Diplomate, American Board of Ophthalmology

Fellow, American College of Surgeons

July 29, 2000

Dear Gerry:

I want you to know how much your assistance has meant in the handling of my disability claim. The process of filing a claim and then collecting the benefit from the insurance company is overwhelming. Your expertise in the disability marketplace proved to be invaluable throughout the claims filing process. Having retained you as a consultant was the best decision we could have made.

Thank you again for your professionalism as well as the positive results.

Respectfully yours,

D.O.

Board Certified Family Physician

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