Disability Claims Solutions


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helpful tipsPre-dated Letters

DCS was recently contacted by more than one claimant/insured informing they are receiving letters dated in the past they are only receiving now. Requests for updated information ultimately have “short deadlines” because letters weren’t sent out until much later.

I recommend insureds date and initial the outer envelope with the date actually received and start the timeline of 30-45 days from the date received, not from the date indicated in the letter. You can always send a fax to the insurer indicating the date you received the update request and the new 30-45 day deadline. Not once have I ever had any insurer argue about dates when dates of request do not match dates of receipt.

Finding Something to Do

OK, so we have hundreds of claims reps working from home wondering what they should do to keep them busy. As a result, I’m seeing increased requests for update forms, questionnaires and multiple calls (it’s crazy!) for SSDI status reports. If you were a claims handler sitting at home what would YOU do? Of course – starting at the top of your block of claims list and requesting updated paperwork from top to bottom. I suspect nearly every insured will receive a request for something.

We know medical paperwork could be delayed to physician closings, but that doesn’t stop claims reps from requesting SSDI status and repetitive questionnaires. I think everyone will be glad to get back to some sort of normalcy within their own occupations. Clearly, insureds are getting tired of filling out paperwork to satisfy insurance employee performance goals.

Never Thought About It!

April is the month I have to register my car. Although I haven’t used it in nearly a month, I still have to pay the State of Maine somewhere around $600 (excise tax state) to register it. My town hall is closed, so the notice I received said to file registration online. Never did that before, but OK here goes…..

Registration online went reasonably easy. I paid by credit card and pushed the “Send” button. Up came a huge notice that said, “The Maine Bureau of Motor Vehicles is currently closed. Your vehicle tags and registration will be processed within 30 days after the statewide re-opening directive given by Governor Mills. Please print the attached confirmation and place with your insurance card.”

I never really gave much thought to what happens when EVERYTHING is closed down. Oh well, it appears my vehicle is registered…or at least I think so, for now. (Linda)