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!

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,...

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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....

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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...

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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...

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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...

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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”,...

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Old vs. New Information – Don’t Send Old Information

  Most insureds give the insurance industry way too much credit for common sense .In the insurance world, all paper processes have been minimized and downsized to the point of near non-existence. We’re managing claims that are overly diversified and those...

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Good Lawyer/Bad Lawyer

Unfortunately, those with disability claims often believe that the most qualified person to assist with a disability claim is a lawyer. From where I’m sitting, thinking a lawyer will get you over the hurdle of disability claims management, is a little like...

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Say That Again?

While most insureds still expect to receive accurate information from their insurers, the reality is that there is no one person you can depend on who is trained to provide detailed policy, Plan, or process information to those who are receiving benefits. The claims...

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Sexual Surveillance ….And Any Other Kind

To be honest, whenever I’ve written articles about insurance surveillance, the feeling of” in one ear and out the other” eventually stopped me from writing about it. The general feeling seemed to be: “I’m not worried about surveillance...

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More And More Denials AND I’m NOT RETIRED

More requests for denied claims have been made by insureds who are desperately looking for information on how to handle a disability claim denial. As I’ve indicated so many times on this Blog, I can do nothing to help you AFTER a claim denial has been made....

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The Worst Disability Insurer

  While Unum Group has been the leader of egregious disability claims practices for decades, a competitor of unfair denials surfaces as Lincoln Financial. This insurance company, according to recent information provided to me,  as well as recent experience, now...

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Please Stop Doing This…….

While I thought that it was time for me to stop writing repetitive articles, I am finding out that I just can’t do it. Four people contacted me this week AFTER their claims were denied. Over the years I have repeatedly said on Lindanee’s Blog that I cannot...

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Stepping Back – Waiting For Topics And Questions

Well, the day has finally come, my friends, when I have written an article on just about everything there is to know about disability claims review, contracts, group benefits, administration, paperwork, etc. From time to time people often commented that I was getting...

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So, Who’s Responsible Anyway? Article By Linda Nee

Recently, there are questions raised about just “who is responsible at any disability insurance company for the “bad faith” claims process and unjustified denials. Well, let’s use Unum et al as an example, but remember this applies to all disability insurers. CEO and...

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What To Do With Insurance Agents

  Every insurance credential I’ve ever studied and took a test for contains specific questions on the duties and responsibilities of insurance agents and their role in the disability claims process. It’s important for insureds to understand what insurance...

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When Should I Apply For Disability?

It’s human nature for people to try and remain at work even when they find it harder and harder to do their jobs. I understand that. It’s very hard to give up a career that’s bought and paid for, or lose the only income that’s supporting your...

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