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...

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...

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”,...

  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...

In the last few months there has been an increase in the number of people who shared what their lives are like living a disability claim. Not only do these individuals manage their health issues and concerns, but spend the majority of their day involved with their...

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...

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...

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 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....

  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...

Here you go: Allstate Unum Lincoln (My add) AIG State Farm Anthem Farmers United Health Global Life Liberty Mutual USAA Progressive            

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...

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...

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...

  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...

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...

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...

  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...

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...