Claims Desk
Your place to understand your benefits, get help with claims, and connect with an advisor.
Members get coverage guidance and time with a licensed advisor. If your employer's plan is with HLVC, you get the full Claims Desk: I'll tell you how your file will be read before you send it.
Enter your HLVC codeWHO GETS WHAT
Membership is not insurance and doesn't give access to employer plan records.
Have a code?
Your employer is not contacted without your written consent.
Need your personal Member Network code?
Enter the email used to join. If eligible, an email will arrive with your personal code. This request does not join the network or change your email consent.
Not a member? Join freeTalk to aReal Advisor
Health Life Value Consulting (HLVC)'s Claims Desk is the rare place where a plan member reaches a licensed human with carrier-side disability adjudication experience.
When your income and health are at risk, you need an expert, not an algorithm. Direct, confidential human access is built into every plan we broker.
SIX LEVELS. THE LAST FIVE NEED US TO BE YOUR BROKER.
“Level 03 is the difference. On your own, you reach a call centre. On a plan we broker, you reach a licensed Broker of Record who can call the claims department and ask, in the adjudicator's own language, why your file was decided the way it was.”
What your desk shows you
START WHERE YOU ARE.
You're about to make a claim.
Before using a benefit, look up its definition, maximum and any required authorization. Ask your carrier to clarify terms you cannot find in the booklet.
You need help reading your benefits booklet.
Bring the relevant page and your questions. We can explain the wording and help you identify the right contact for plan administration.
You're on a long-term disability claim.
There's a date in your policy nobody has told you about. If you're between month 12 and month 20, you're in the window where this is still fixable.
THIS IS WHAT YOUR PEOPLE GET ON DAY ONE.
The Claims Desk is included in every Health Life Value Consulting (HLVC) Broker of Record engagement at no additional cost to the corporation — we're compensated by carrier commission. Your staff get a licensed advisor with carrier-side adjudication experience. You get fewer mishandled files landing on your experience rating at renewal.
Enter your HLVC codeClaim outcomes depend on policy wording, medical evidence and carrier discretion. Health Life Value Consulting (HLVC) structures and documents files to the standards adjudicators apply; no claims decision is guaranteed. The Claims Desk is a servicing capability of the Broker of Record appointment — not a separate product, and not an insurance benefit.
Common questions
Who can ask about their coverage?
Anyone can use the public education here. Members get coverage guidance with a personal Member Code, and HLVC clients get the full Claims Desk through their employer's code.
Where do I find my plan details?
Check your benefits booklet and carrier member portal for maximums, definitions, exclusions and service requirements.
Can an advisor decide what a carrier covers?
No. A licensed advisor can explain wording and help frame questions, but the carrier administers its contract.
What information should I share?
Start with the relevant plan wording and your question. Do not send sensitive personal health details through a public form.
Need a closer look at your plan? Explore the free Insider Read. For more context, read the related group benefits guide.