ROADMAPS TO CLAIM SUCCESS
Leaving work because of a medical disability can have a tremendous physical and emotional impact on anyone. In fact, making the transition from working in a chosen career field to total or partial disability is a major life event that often requires knowledge of disability contracts and investigative claims processes. Disability Claims Solutions, Inc. is here to help.
As a company, Disability Claims Solutions, Inc. provides insureds 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.
DCS, Inc. maintains excellent relationships with treating physicians and specialists who support patient disability. Insureds and claimants ultimately benefit from the teamwork of physicians, specialists, and employers, in combination with expert consultation and advice.
If you are interested in coming on board as a DCS client, or finding out more about Linda’s services available to you, please feel free to contact her using the information below.
Visitors are also welcome to view Lindanee’s Blog.
KEY SERVICES – Disability Claims
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Initial Applications for Both ERISA and ISI Claims
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Recommendations for Medical Reporting
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Independent Medical Evaluations Counseling
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Contract/Policy Review Audits
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Objective vs. Subjective and Self-Reported Claims
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Any Occupation Investigations
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Residual Benefits and Return to Work Recommendations
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Surveillance Counseling
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Targeted Impairments – FMS, CFS, Lyme disease, HIV
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Long-Term Care Claims
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Management of Update Forms
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Field Visit Preparation
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Counseling for Work Hardening Programs
Linda Nee’s Blog
Where there are solutions, there are no problems.
The Worst Mistakes You Can Make
Now that insureds are more and more managing their own claims, I see them making so many mistakes bringing them to my door anyway. Some things I can fix, others aren’t fixable. Here are the most common mistakes insureds make with their own disability claims, sometimes to their own demise. Taking yourself out of work. In my opinion I...
The New Insurance Bad Boys In Town
From 2000 to 2008 UNUMProvident was identified as the worst disability insurer in the country. Unum’s unfair strategies were investigated by Eliot Spitzer’s office and the company came very close to criminal charges, both in New York and California. Prudential Financial and Mass Mutual were close seconds to some of the worst...
The Value of a Claims Consultant
In the last twenty years it has been suggested to me that I use Lindanee’s Blog as a marketing tool to “sell myself” as a Claims Consultant. Although I declined to do this, choosing not to use this site in that way, times have changed, people have changed, and the disability claims process has also changed. Perhaps a new way of...
Bad Faith
The laws in most states imply a duty of good faith and fair dealing on behalf of the insurance company. This duty requires the disability insurer to act reasonably in the handling of claims submitted to them by insureds and claimants. Even though disability polices do not contain specific language in the insurance policy concerning the duty of...
Making Sense of Inefficiency
It really surprises me that disability insurers are allowed to stay in business with the kind of mess they are creating with disability file management. A New York Life claims handler was totally unaware that a claimant was entitled to a copy of her Administrative Record after her STD claim was denied. Another company was so diversified that I...
CIGNA Health Insurance Denying Procedures
Not only are disability companies giving claimants problems, but health insurers and hospitals are as well. Several instances have come to my attention when patients complained that their health insurance purchased from the “Health Marketplace”, specifically CIGNA, was denying basic diagnostic procedures such as MRIs and CAT scans....
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