Are You A Unum Financial Target? The Continuing Financial Scams

  • Author: Linda Nee
  • Date: July 14, 2017
  • Comments: no comment
  First there is a request for your SSDI Award Letter. Then a letter arrives from Lucens asking you to sign an Authorization releasing financial SSA information. Next, a letter arrives requesting all SSA 1099’s relating to SSDI payments. Finally, a letter arrives informing you that you owe Unum an excessive amount in overpayment since Unum overpaid you. Whenever is it going to end? Do you get the impression Unum is fishing for something? In my opinion, the company’s targeting of SSDI (including all of the ERISA folks), and past and present IDI “Residual” insureds to recalculate SSDI offsets and […]   Read More

The Importance Of Having A Copy Of Your Policy And Knowing What It Says

  • Author: Linda Nee
  • Date: July 12, 2017
  • Comments: no comment
I recently spoke with a woman on the phone who had several questions concerning her claim. Although most of them had to do with a Unum field visit, in the course of our conversation I discovered she had not requested a copy of her policy and had no idea what it said. I think my readers would be amazed to know how often insureds tell me they don’t have their policies and have never read them. My response is always the same, “How can you defend what you don’t have or know about?” To begin, the only relationship insureds and […]   Read More

The Standard And Unreasonable Deadlines

  • Author: Linda Nee
  • Date: July 11, 2017
  • Comments: no comment
Recently, it came to my attention that The Standard outsources medical records requests to a company called Release Point. Despite the fact that all ERISA Plans give claimants 30-45 days to submit proof of claim, this company is calling treating physicians and threatening to terminate the claims of patients if medical records are not submitted in (5) days. When I contacted The Standard claims rep she did not know of the practice and basically said, “We’ve never heard of that complaint before.” Although the rep admitted that the (5) day deadline to submit paperwork was out-of-contract, it’s unlikely anything will […]   Read More

DCS, Inc. Is A Consulting Case Management Corporation

  • Author: Linda Nee
  • Date: July 8, 2017
  • Comments: no comment
I received a call and several emails from readers of Lindanee’s Blog who were completely unaware that I have a business assisting insureds and claimants with their private disability claims. This was rather surprising to me since there are several tabs at the top of the blog home page that describes my services in detail. Perhaps these tabs are missed by between 300-1,000 readers per day. As a reminder, let me say that both DCS, Inc. and NCDI, the non-profit sister corporation of DCS, Inc. are alive and well and still operate with a 98% success rate. Just recently, benefits […]   Read More

June Carrot & Stick Awards

  • Author: Linda Nee
  • Date: July 7, 2017
  • Comments: no comment
Northwestern Mutual is the only insurance company that still reviews claims fairly. Although the company is reported to be in a state of organizational chaos, I find that the company is able to get checks out on time, reps are courteous and polite, and claims are paid when substantial proof is provided. It is always a good sign when I don’t receive multiple calls complaining about a particular company. Northwestern Mutual seems to be operating and reviewing claims in good faith and is deserving of a DCS, Inc. carrot for the month of June. I’m going to go ahead and […]   Read More
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