To successfully make this claim, three things must be true:

1. Your client experiences pain while performing an activity.
2. They continue to perform that activity despite the pain.
3. A provider documents those symptoms in the medical records.

If those elements aren’t present, especially in the chart notes, don’t include the claim in the demand letter. It won’t count. Instead, it could tarnish your reputation with the insurer. 

Now, let’s talk about Loss of Enjoyment of Life.

Here’s what insurance software like Colossus looks for:

1. The client has injuries or symptoms that prevent them from doing something they previously enjoyed.
2. As a result, they stop doing it.
3. A provider notes that limitation in the medical records or there's a documented permanent impairment.

Either documentation works, just make sure you have it before you claim it.

Our co-founder, trial lawyer Aaron DeShaw, was involved in a bad faith litigation, working on some of the first cases to expose claims evaluation software.Through that work, he reviewed both protected and unprotected claims manuals—giving him unmatched insight into how these systems are triggered.

He used that knowledge to craft forms that follow the insurer’s software prompts word for word.

These exclusive, proprietary forms—only available to Settlement Intelligence subscribers—can be downloaded and completed by your clients at intake and again at the conclusion of treatment.

When paired with our expert-trained AI Demand Letter workflow, the data collected is formatted precisely to activate the insurance software’s highest settlement pathways.

It’s time to stop leaving value on the table.

Use the Forms to Maximize Settlement Value—only from Settlement Intelligence.