Memorial Day Surveillance
We are roughly two weeks away from Memorial Day, the holiday of picnics at the lake, home barbecues, and road trips. Please remember that insurance…
Doing The Right Thing At The Right Time With The Right Expert
The purpose of this blog is to bring together insureds and claimants with an expert who knows how to manage disability claims from hands on…
Field Rep Visits On The Rise Again
Several clients have contacted DCS with information concerning field representative visits. Apparently, Unum’s investigators are engaging in phone conversations with insureds and are requesting written…
When The Bread Dough Doesn’t Rise To The Top
In today’s tough economic times it is entirely possible for you, the insured, to know more about what your policy means than the claims handler…
Insurers Manage Your Claim 24 Hours A Day. What Are You Doing?
Over the years I’ve written many articles about what takes place internally to review and make liability decisions concerning disability claims. A quick snapshot of…
PayPal Pulls A Deactivation Scam
I’ve been doing business with PayPal for over twenty years and I’ve never had any problems. From time to time my clients have said they…
Intro to SSDI
Disability insurers are permitted by law to reduce monthly disability benefits by the amounts awarded by the Social Security Administration as Disability Income. In a…
SSDI Family Awards
Once again DCS is beginning to receive a lot of questions and comments surrounding the issue of whether or not a disability insurer can offset or…
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…
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…
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…
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…
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…
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.…
Think Carefully About Attorneys…..
A client called me a few days ago to tell us he approached an attorney to take over the management of his wife’s non-ERISA claim.…
Living In Fear Part II
Many people in the United States are living in fear today because nearly 7.2% of the middle class is out of work. That’s 11 million…
Are You Living in Fear? Part I
Many years ago I heard the expression “those who manage your money also manage you”, and although the saying is true for everyone, it particularly…
Q&A From My Readers – Pre-Existing Conditions
Can I fight a pre-existing claim denial? Pre-existing claim denials are something that should never happen. Most ERISA provisions contain the “3/12” pre-existing condition provisions.…
Are You Ready To File a Disability Claim?
Most insureds don’t really have a clue about how to go about filing a disability claim, or, at least filing one with the best chance…
What’s Happening To Your Claim Behind The Scenes?
There are many insureds today who seem to think they know enough about the disability claims review process to successfully defend their own Plans and…
