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...
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....
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...
The Twelve Worst Insurance Companies in the US
Here you go: Allstate Unum Lincoln (My add) AIG State Farm Anthem Farmers United Health Global Life Liberty Mutual USAA Progressive
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...
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...
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...
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...
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...
Unum Life Executives Gaslit Employees – Blast From the Past
In 1998 Human Resource functions were split between two separate departments—UNUM America HR (payroll, and all HR functions for non-executive personnel), and Enterprise HR (HR functions relevant to the CEO, Jim Orr III and the top 26 Senior Vice Presidents.) I worked...
Late Check? Someone Just Forgot
It’s not unlikely that checks will be late from some insurance companies, and it always makes people nervous especially at this time of year. What usually happens is that claims handlers go out on vacation, or, take PTO and forget to approve benefits on...
When Your Insurer Lies To You
Lately there’s been an onslaught of information crossing my desk indicating that some insurers are not being honest with the public. Of course, we all hope and trust that our disability insurers will be honest, the truth is that dishonesty is more profitable...
External Standards – US Department of Labor
SEDENTARY Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing...
Holiday Q & A
I was hoping to get a settlement from The Standard, but they declined. Do they ever offer settlements? Not very often at all. Disability claim settlements are called “compromised” settlements because both insurer and claimant give up value in order to...
Bad Santa Claims Management
I don’t know to what extent my readers are actually interested, or care about what goes on at this time of year relative to their claims. It’s always been my experience that insureds and claimants have no idea what the review process entails and how...
New Claims – Don’t Forget About the Initial Review
Disability claims internal reviews are not done in random; there is a hierarchy to the review that most claimants either don’t know about, or perhaps do not understand. When claims are submitted for payment, insurers will begin with an “initial...
How Do I Know If My Claim Is Targeted?
Those in the know always talk about claims that are “targeted” without letting insureds know how they can tell. “Targeted”, in a general sense, means that claims are identified, using internal criteria, to be aggressively risk managed with the objective of denying the...
Unum Out Of Control For Year-End – Again
It’s beginning to seem like deja vu with all of the claim denials Unum is making. The public is again beginning to realize the company’s unfair tactics to back-up their denials. My initial reaction, especially, is the one item in the Multi-State...
Settlements, Settlements, Settlements
If you’ve been hoping to rid yourself of your disability claim, now may be the time to do it. Lump-sum settlements are being offered, not only Unum (known as the settlement guru), but by other insurers as well. While in the past, I have often argued against...
Why Social Media Is A Deal Breaker
People love to talk….and share….and exchange selfies. In the last 25 years, social media exploded to where a cell phone is a more protected personal object than a wallet. BUT, since the inception of the Internet and the World Wide Web, we’ve also...
