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

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Linda’s Philosophy – The Value Of A Bag Of Cookies

Years ago on Lindanee’s Blog I suggested to my readers that on occasion they give a delicious bag of cookies to the staff in their doctor’s offices as a thank you to those who spent time keeping them well. Depending on how you feel about cookies and...

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Unum – Authorization Mistakes

Although I’ve written about this issue for approximately ten years, I find  it continues to happen so often that the subject is worth mentioning again. This is an issue insureds disabled with behavioral issues needs to pay particular attention to. Unum is in the...

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Voodoo Physicians Are Always Out There

All insurance companies have their favorite physicians they use to support claim denials. In the past, many of them worked directly for the insurance company, but have long since retired. Unfortunately, these insurance physicians continue to leave their ethics by the...

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Full OF It

Just a quick mention to my readers that if any Unum claims handler tells you they have to speak with your treating physicians before rendering an approval, please note Unum is “full of it.” There is nothing in any Unum Plan or policy that requires a...

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Properly Completed Medical Paperwork

Today, it is very important for your treating physicians  to take the time to complete update forms and other reporting of medical conditions in a clear, specific and concise manner. Insurers look for very detailed information concerning restrictions and limitations...

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Friday Q&A

The Hartford never sent me forms for my annual update, should I call them and request? Actually no. You do not have to do The Hartford’s job for them. As a general rule, “Only give an insurance company what they ask for” applies here, and nothing...

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The Hartford – WHAT Customer Service?

  In the past I considered MetLife to be a “raising the dead” company when it came to Customer Service, but in recent times, it looks like The Hartford is the top grave exhumation company when you want to speak to someone to ask questions or resolve...

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So You Want To Speak Directly To An Insurance Company?

Part of the training of your average claims handler includes something I call SIL, or “selective interpretative listening”. It is presumed by the industry that there is a difference between what insureds actually say, and what the words mean in terms of...

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My Doctor Won’t Cooperate. What now?

Disability insurance companies deserve high marks for intimidation of treating physicians, and, they’ve been doing it for a long time. For years, treating physicians were cooperative with insurers and basically gave in to requests to return their patients to...

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Objective vs. Subjective Proof of Claim

One of the most important criteria used by insurance companies to deny claims, or I’m sure they would say, “evaluate claims”, is to apply the Objective Evidence Standard even when very few actual insurance policies/Plans require the Objective...

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Prepare For Summer Surveillance – It’s Out There

Summer is on the horizon and so are up coming holidays such as Memorial Day, Fourth of July and Labor Day. To say that visual surveillance will certainly be out there is probably an understatement. Although I’ve written many detailed articles about surveillance,...

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Underwriting And Incontestability – A Real Issue

One of the most investigated issues dealing with IDI claims is “incontestability”, a provision in nearly all IDI insurance contracts preventing insurance companies from rescinding policies in effect more than two years because of misinformation....

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What File Review Actually Looks Like

Insurance companies are continuously sending out letters to insureds stating,“We are currently reviewing your LTD disability claim and have determined we need additional information”. This one sentence seems to cause a great deal of stress and anxiety because...

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Pay Back The SSDI Overpayment

Attorneys are sharing with me that they are receiving quite a few calls from insureds asking whether they have to pay back their SSDI overpayment to insurers. While it may be understandable on some level due to our horrible economy, DCS has always taken the view that...

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The AFLAC Quack

In the 25 years I’ve been managing disability claims, I’ve run across AFLAC on several occasions. In my opinion, AFLAC is one of the worst insurance companies simply because they don’t cover much. Some insureds believe the company covers total...

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