What the claim actually turns on
An insurer does not ask how ill someone is. It asks whether the state described in the policy has been met — usually an inability to perform a set number of daily activities, or a need for supervision because of cognitive decline.
That is why a thick medical file can fail while a thinner, better-organised one succeeds. What matters is the connection between the diagnosis and what actually happens at home: who helps, with what, how often, and what happens when nobody is there.
Our work is that connection. We read the policy, establish what it requires, and build a factual picture that answers it.
Where we come in
Families reach us at very different points, and the work differs accordingly.
- Before anything has been filed — finding what cover exists and whether there is a basis
- Mid-process — when a request for further documents has arrived and it is not clear what is wanted
- Before a functional assessment — preparing so that the visit reflects an ordinary day
- After a decision — reading it properly and identifying what, if anything, can be addressed
- After a denial — locating the precise ground and deciding whether to complete, request review or appeal
What we do not do
We are not a law firm. We do not give legal advice, we do not appear in court, and we do not handle general disability claims before National Insurance medical committees.
Where a case raises a genuine legal question — prescription, an allegation of non-disclosure or a pre-existing condition, a dispute over how a clause should be read — we say so and point you to the right professional.
We also cannot promise approval, an amount or a timeline. Anyone who does is telling you something untrue.
Frequently asked questions
How do we know whether a policy even exists?
Start with Har HaBituach, the official registry run by the Capital Market, Insurance and Savings Authority, and check old paperwork and standing orders on bank statements. It is common to find more than one policy.
Can we file on our own?
Yes, and in a straightforward case with a clear policy and a well-documented condition that is often the right choice. Guidance matters most when the picture is complicated or a claim has already been refused.
Do you work in English?
Yes. The process can be handled in English throughout. The forms themselves are in Hebrew and we work through them with you.
This page is an English translation of our Hebrew content, written for English speakers living in Israel. Official Israeli terms appear with their Hebrew names so you can recognise them on forms. In any discrepancy, the Hebrew version and the official documents prevail.