Lost Wages & Reimbursements

Lost Wages & Reimbursements Assertions and NCS Zap Responses

Lost Wages & Reimbursements Assertions and NCS Zap Responses

1. Adjuster Assertion: Lost wages are exaggerated or unsupported.

Zap Response:
"The claimant's lost wages are substantiated with employer verification, pay stubs, and/or tax records. If these documents are insufficient, please specify which aspect you are disputing and provide justification. Unsupported allegations of exaggeration constitute bad faith claims handling."

2. Adjuster Assertion: The claimant’s wage loss is excessive given their recovery timeline.

Zap Response:
"The duration of wage loss is based on the treating physician’s medical recommendations and the claimant’s physical limitations during recovery. If you are disputing this timeline, please provide contradictory evidence or expert medical opinions to justify your position."

3. Adjuster Assertion: Mileage reimbursement claims are excessive or unjustified.

Zap Response:
"The mileage reimbursement is calculated based on documented trips to medical providers and treatment facilities. This is supported by medical logs and jurisdiction-specific reimbursement rates. If you dispute any portion, please specify the dates, distances, or amounts you believe are incorrect and provide a basis for your claim."

4. Adjuster Assertion: Lost wages cannot be confirmed due to insufficient employer documentation.

Zap Response:
"The claimant has provided employer verification confirming their inability to work during the recovery period. If you require additional information, please specify what is needed to process this claim. Failure to acknowledge provided documentation reflects improper claims handling."

5. Adjuster Assertion: The claimant should have returned to work sooner based on the nature of their injuries.

Zap Response:
"The claimant's ability to return to work was determined by their treating physician, based on the specific nature of their injuries and recovery progress. Non-medical opinions disputing this timeline are speculative and lack authority. If you have an IME or expert evidence to support your position, please provide it."

6. Adjuster Assertion: Mileage reimbursement rates are inflated.

Zap Response:
"Mileage reimbursement rates are calculated in accordance with jurisdictional guidelines or IRS mileage rates. If you believe the rates are incorrect, please provide evidence of applicable local rates or standards to justify your assertion."

7. Adjuster Assertion: The claimant’s wage loss is unsupported due to their employment status.

Zap Response:
"The claimant has provided tax records or alternative documentation verifying their income and employment status prior to the incident. If additional clarification is required, please specify what is missing. Unsupported challenges to the claimant’s employment status reflect improper claims practices."