Living With A Disability Claim – In The Beginning
Here you are. Can’t work anymore, and had to leave your cherished job. You’re worried, disappointed and already missing your co-workers. Upon leaving your job…
Conflict Of Interest – Employer And Insurer
Most people either aren’t aware, or don’t realize that for ERISA claimants there is an obvious conflict of interest. You may have read many times…
Beware: Mental Health Claims
By far, the majority of claims currently brought to my desk involve mental health. I’m not going to speculate why that is, it’s just…
Workplace Elder Discrimination “My Brain Is Not A Squishy Donut!”
I think it’s fair to say that most disabled insureds are over 50, and some are looking to return to the workplace. Returning to work…
Self-Insured Employers Aren’t On Your Side
So many times I hear claimants telling me “how good their employers are” and how helpful they are when applying for disability. I quickly remind…
Any Occupation Investigations And How They Affect Your Claim
As you are probably aware, LTD policies contain a change in definition of disability that requires claimants to be disabled from working in ANY…
Medical Proof Of Claim And When It Doesn’t Help
Medical “proof of claim” is perhaps the most important information required for disability benefits. In fact, for twenty years I’ve always told people, “no…
What DCS Can Do For You In 2026!
Having an expert to assist you with your claim in 2026 can make the difference between a denied claim or a paid one. While disability…
Managing PTSD As A Disability Claim
Before the 1980’s PTSD was psychiatrically managed with different names such as depression, fear, sleeplessness, etc. However, after the Vietnam War it became obvious that…
What Does Your Plan Or Policy Say? First Point of Reference
Many claimants and insureds are now report receiving letters or notifications by mail that are dated two weeks earlier. In addition, claims handlers are requesting…
ERISA Initial Claim Review Process
Most insureds are unaware that there is a hierarchy of review that takes place on claims before any other review is done. Claims NOT passing…
Carrot & Stick Awards for 2025
Based on my experience in managing disability claims in 2025, the top three unfair insurance companies were: New York Life The Hartford Prudential It seemed…
The Importance Of Financial Reserves
The single most important thing about disability claims from the insured’s point of view is knowing about financial reserves and how they affect claims…
Do You Need Help With Your Appeal?
One of the trends of managing disability claims is that claimants and insureds are trying to manage by themselves without paying for additional help. As…
Dealing With Inefficiency
The changes that have been made in the claims review process since COVID have already proved to be disastrous for many insureds attempting to work…
Changes At DCS
I’m hoping that my clients are still reading Lindanee’s Blog. If you are, then I have some news for you that you might want to…
Year-End Christmas Grinch
Most people don’t realize that, potentially, their claims could have been targeted in October (beginning of 4th Qtr.) for denial by year-end. We are only…
When Surveillance Happens On a Claim
Insurance companies aren’t stupid. They realize the value of a dollar and set specific perameters that must be met before surveillance is conducted. Considering that…
Rant, Rant, Rant, Argue, Argue, Argue
Sometimes it’s very hard for insured’s to realize that the only obligation of insurers is to pay their claims. Once an insurance company investigates a…
Zip It!
Many years ago when I was still giving expert testimony in disability cases and depositions, the attorney would tell me in no uncertain terms: TO…
