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.
Insurance Companies Are Still Stacking The Deck
Some time ago, I received an email with the following poem read at a conference by the now deceased Gene Anderson of Anderson, Kill and Olick. Consultants like me who advocate for fairness in the disability insurance industry often find that fighting for justice is a very lonely place. There was a very cautious man. Who never laughed or played He...
When Physicians Fire Their Patients
I’ve been writing quite a few articles lately about physicians getting frustrated with the endless requests for information in addition to harassing frequent calls. Today I was notified by one of our clients his neurologist “fired” him because of the number of calls his Unum claims handler made to her office. Apparently, the...
Do You Really Know What Internal Physician Reviews Are?
It comes to our attention there is a great deal of misconception concerning the role of internal physicians and what they actually do. The more serious misstatement of fact I’ve heard in a long time is “Internal physicians make claims decisions.” If I were to make this comment to a Unum attorney, for example, I would be swiftly...
What NOT To Say To An Insurance Company About Fibromyalgia
Fibromyalgia is one of perhaps ten medical impairments which drive disability insurers crazy. It is a syndrome of symptoms and complaints which open the door to multiple file review abuses leading to the non-payment of disability claims. In addition, unsuspecting claimants and insureds “buy-in” to the many, many Internet articles...
Financial Reserves And Financial Reserve Abuse
Disability financial reserves are generally defined as “a monetary estimate of what a claim will cost.” The reserve represents money set aside for the eventual payment of claims and is not otherwise available to pay operating costs such as salaries, expenses and other overhead costs. Since the financial reserve actually represents the future...
With Full Deliberate Intent
Ninety-five percent of disability claims are denied solely on the basis of an internal medical report written by any number of “Board Certified” insurance physicians. In the 26 years I’ve been reviewing disability file data it has become apparent to me another “pattern of business practice” is the format in which...
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