Disclaimer

Educational Purpose Only

AskBenefits, operated by CORDOC LLC, provides AI-powered analysis and suggestions regarding employee benefits, insurance coverage, retirement accounts, and related financial matters. Our service is designed to help you understand your benefits better and identify areas that may warrant further investigation.

The information we provide is not a substitute for professional advice.Every individual's financial situation is unique, and decisions about insurance, investments, and benefits should be made in consultation with qualified professionals who understand your specific circumstances.

No Professional Certifications

CORDOC LLC and its employees, contractors, and affiliates operating AskBenefits:

• Are NOT certified financial advisors or planners
• Are NOT licensed insurance brokers or agents
• Are NOT certified public accountants (CPAs) or tax professionals
• Are NOT attorneys or legal advisors
• Do NOT provide fiduciary advice

Consult Qualified Professionals

Before making any decisions based on information or suggestions from AskBenefits, we strongly recommend consulting with appropriate professionals, including but not limited to:

• Certified Financial Planners (CFPs) for financial planning and investment decisions
• Licensed Insurance Agents/Brokers for insurance coverage questions
• Certified Public Accountants (CPAs) for tax-related matters
• HR Representatives at your employer for specific benefits questions
• Attorneys for legal matters
• Healthcare Providers for medical coverage decisions

AI Limitations

Our service uses artificial intelligence to analyze documents and provide suggestions. While we strive for accuracy, AI systems have limitations:

• AI may misinterpret or incorrectly extract information from documents
• Analysis may not account for all relevant factors in your situation
• Suggestions are based on general patterns and may not apply to your specific case
• Benefits plans and regulations change frequently; our information may not reflect the latest updates
• State-specific rules and regulations may not be fully considered

No Guarantee of Savings or Results

Any estimates of potential savings, optimization opportunities, or financial benefits are projections based on the information provided and general assumptions. We do not guarantee:

• That you will achieve any specific amount of savings
• That our suggestions will be appropriate for your situation
• That following our suggestions will not have unintended consequences
• The accuracy of any calculations or projections

Bill Negotiator Tool Disclaimer

The Bill Negotiator tool generates template letters and phone scripts to assist with medical bill negotiations. These are provided as starting points and educational resources. We make no guarantees that:

• Using these materials will result in reduced bills
• Healthcare providers will respond favorably to negotiation attempts
• The language used is appropriate for your specific situation
• All applicable laws and regulations have been considered

Your Responsibility

You are solely responsible for:

• Verifying any information or suggestions provided by our service
• Making your own decisions regarding your benefits, insurance, and finances
• Seeking appropriate professional advice before taking action
• Understanding the terms and conditions of your own benefits plans
• Any consequences that result from decisions you make

Limitation of Liability

CORDOC LLC and AskBenefits shall not be held liable for any damages, losses, or expenses arising from:

• Reliance on information or suggestions provided by our service
• Decisions made based on our analysis or recommendations
• Errors or inaccuracies in our analysis
• Any actions taken as a result of using our service

Contact Us

If you have questions about this Disclaimer, please contact us at: