Disability Claims Solutions, Inc. provides insureds across the USA with resources to make better decisions concerning ERISA Group STD/LTD claims, as well as Individual Disability Income benefits and Long-Term Care. Having the opportunity to work with an expert consultant, such as Linda Nee, provides insureds with valuable procedural options to work through problematic issues in successful ways.
Our focus is to resolve problems, not wrestle with conflict. Call Linda Today!

Disability Claims Solutions

Disability Claims Solutions, Inc. provides insureds across the USA with resources to make better decisions concerning ERISA Group STD/LTD claims, as well as Individual Disability Income benefits and Long-Term Care. Having the opportunity to work with an expert consultant, such as Linda Nee, provides insureds with valuable procedural options to work through problematic issues in successful ways.
Our focus is to resolve problems, not wrestle with conflict. Call Linda Today!

How Short-Term Disability Works

Short-term disability is not reviewed in the same way as LTD. Those of you who are just starting your claims may have already noticed how time intensive it is to manage a short-term disability claim. Most advocates, lawyers included, fail to realize the review abuses...

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A Word About Treating Physicians

While today there are many disability physicians who freely give their time to document disability, there are just as many physicians who are easily persuaded to throw their patients under the perverbial bus by unethical insurance physicians who leave their medical...

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Saturday That N’ That

Communicating with claims handlers by email is not a good idea and isn’t recommended by DCS. I understand that the trend today is to use texts and emails, but it could result in disaster for those with disability claims All written documents are discoverable in...

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Sunday Tidbits And This And That

I am so often asked what the state of the claims processes are these days and I haven’t really taken the time to explain. First, I think we need to recap what’s happened over the last few years that continues to affect the way disability claims are now...

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From Lighthouse Of The World To Outhouse Failure

Part I of my book is now published on my website located at http://www.disabilityclaimssolutions.com. Attorneys who litigated claims between 1996 and 2000 might be interested in reading the cultural history of Unum as well as the claims practices that were used during...

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Unum’s Predetermined Recovery Periods

Recent letters from Unum show indications that the company is once again using some sort of software (or review tactic) to arbitrarily assign recovery dates to claims. For the last twenty-five years Unum used, off and on, a desktop software called MDA, to identify...

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From Lighthouse To The World To Outhouse Failure

I’ve finally completed the first 106 pages of my book entitled, “From Lightouse to the World, to Outhouse Failure.” I’ve asked my webmaster to upload it to my website located at http://www.disabilityclaimssolutions.com. The book will be printed...

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Living With A Disability Claim – Absolute Control

In my twenty-five years of claim Consulting I have come across individual families who, when one spouse becomes disabled, develops a much needed support group consisting of a non-disabled spouse and related family. While family support is generally a good thing, it...

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MetLife Is Not Working Well

Several encounters with MetLife recently show problems with menu and written communications to anyone trying to reach the company. In fact, in my articles I have always described communications with MetLife as “waking the dead” anyway, but several...

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A Funny But True Surveillance Story

Sometimes I just have to sit back and have a brief chuckle when it’s obvious insurance companies have lost their minds! This is a true story of an Emergency Room physician who was surveilled in the middle of the night. It’s OK to smile along… Dr. Don...

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Golf Is NOT A Disability Sport

The number one question I am always asked about activities and surveillance is whether or not insureds can play golf. Although my answer is always “No”, not everyone follows good advice, and unfortunately claims are denied as a result of headstrong...

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Functional Capacity IMEs – Another Trap

Functional Capacity Evaluations are a “type” of Independent Medical Examination that measures your physical ability to stoop, stand, walk, bend, reach, lifting, finger movements etc. The result is written within the functional capacity definitions of...

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Independent Medical Evaluations

Insurance companies are once again utilizing the IME provisions in disability policies, therefore, I thought perhaps a reminder of a few important facts would be a good idea. Have you ever heard the expression, “Those who can’t DO, TEACH?” This is...

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Financial Reserve Is Key

Most people would tend to think that the medical merits of any disability claim depends on the seriousness, or nature of the impairment. But, disability insurers are NOT Social Security, for example, that sets presumptive as a standard for approval timing. In fact,...

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Reminder Of Summer And Holiday Surveillance.

This post is a reminder of summer investigative activity, most notably, surveillance. We are coming up on the 4th of July holiday when some insureds might be tempted to push the envelope on restrictions and limitations. It would be in everyone’s best interest if...

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Don’t Hold Your Breath

I’m hearing from quite a few insureds about how anxious and nervous they are about either not hearing from insurers requesting updates, or not receiving what I call “good news” letters. Although I’ve must have written as many as five articles...

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IDI Applications For Disability – Best Practices

One of the most frequent mistakes IDI insureds make when applying for disability is deciding for themselves to  stop work without the prior buy-in of a primary care physician. The offenders are usually physicians or lawyers who own their own practices and seem to...

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What Are You Dealing With Really?

After over twenty years of trying to inform the general public about disability insurance products, it’s still pretty clear that a lot of people are still left shaking their heads. After countless articles about disability plans and policies, it is still no...

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Living With A Disability – Everything Changes

I’ve spent a considerable amount of time in my career pondering what it must be like to have to apply for disability, particularly total disability. During my time at Unum I applied for STD once, and of course, my claim was denied, sending me back to work in the...

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