Consulting Services:

DCS, Inc. offers the following professional consulting and administrative services to insureds with private disability insurance and ERISA policies:

• Assistance with the completion of initial disability forms and applications in a timely manner.
• Employer contact as appropriate to ensure FMLA eligibility/job protection and qualification for short-term disability, severance and/or salary continuation.
• Policy audits conducted by an insurance-trained contract specialist.
• Fourteen years of actual “hands on” claims experience in the disability review business combined with “real time” training in the management of disability claims.
• Internally designed medical forms that work.
• Full case management services including communications with physicians and medical treatment providers.
• Administrative management of file including changes of address, medical status and work accommodations.
• On-going assistance with the completion of disability forms and other communications to and from your insurer.
• High rates of successful resolutions for on-going claims management and assistance with appeals.
• Consulting services provided for Independent Medical Evaluations, any occupation investigations, surveillance, field representative visits, internal medical reviews and patient record requests.
• Referrals to qualified and experienced attorneys as appropriate and when needed or requested.
• Experienced consulting assistance for managing both ERISA and non-ERISA appeals.
• Consulting services provided to physicians and physician offices upon request to ensure accuracy and intent of medical restrictions and limitations reported to the insurance company.
• Claim file review services provided to attorneys upon request.
• Management assistance of return to work status, employer work accommodations, sick leave, salary continuation, and accuracy of residual and/or part-time earnings.
• Referrals to qualified and experienced physician specialists with disability experience reporting, vocational experts, IME physicians, underwriters, experienced RN medical record reviewers, private investigators and other specialists.
• Management of claims for insureds with multiple policyholders.
• Electronic books for self-help and education specifically for insureds with disability claims.
• Monthly DCS, Inc. Newsletter provided to clients.

Professional Life & Health Consulting Services:

DCS, Inc. provides consulting services “to provide information relative to coverage, rights, or interests under insurance contracts, or relative to the retention, exchange, surrender, exercise of rights, or other disposition of insurance or annuity contracts.” Life & Health consulting services also provide advice on life contracts, annuity contracts and health (disability income and long-term care) contracts.

DCS, Inc. is a full-service, fee-based source of consulting services dedicated to the fair and equitable review of disability and long-term care claims. DCS, Inc. provides disability claims consulting services to insureds in the continental United States, Canada and the United Kingdom.

The Help You Need During the Claims Process:

Professional Consultants such as Linda Nee partner with the insured as an administrative guide through the complicated disability claims process. It can be very comforting to have an experienced professional who knows the territory of complex paper bureaucracies, medical requirements and timelines.

Applications and management of disability claims can be a very scary and complicated process for someone unfamiliar with their own individual or employer group benefit Plan.

As an experienced Consultant Linda Nee will also help you in the following ways:

• Explain to you what to expect as you move through the complicated disability claims review process.
• Prepare a timetable and list of tasks to be performed such as obtaining patient notes, signing Claimant Statements, and providing other required disability forms.
• Explain what your disability insurer is looking for in terms of “proof of claim” and help you accumulate it.
• Provide guidance and administrative assistance in completing the necessary paperwork as you move through the process from month to month.
• Remain available and actively involved by answering questions and assisting you with problems which often arise as the insurance company periodically investigates your claim.
• Provide reassurance that you are doing the right things, at the right time, in an appropriate manner, thus avoiding pitfalls and “red flags” in the claim review process.
• Help you control your stress levels and manage the overwhelming fear, frustration, and anguish one often feels when dependent on an insurance company for financial support.

Who to Contact:

You may contact Ms. Linda Nee at:

Telephone:                (207) 793-4593
                                    (207) 793-2006

Website:  http://www.disabilityclaimssolutions.com

Email:            lindanee@metrocast.net

Disclaimer:

This website is the property of Linda Nee, a Maine Licensed Life & Health Consultant. It is not intended to be a substitute for medical or legal advice and all issues relative to a person’s health should be discussed in detail with a physician who is licensed to render care and treatment under the practice of medicine. Likewise any issues of a legal nature concerning any disability claim should be obtained from an attorney licensed to practice law.