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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Bad Santas For The Holidays -Claims Update

  All disability insurance companies recognize profitability by reductions in financial reserve. That said, year-end targeting of vulnerable claims is perhaps one of the most important priorities of an insurance company from October through December. The process...

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ERISA “Any Occupations” by Linda Nee

As most ERISA claimants know, Employer Group Plans nearly always contain a definition of disability that includes the following: “After 24 months claimants must be unable to perform the material and substantial duties of ANY occupation for which [the claimant] has...

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DCS Progress And A Bit Of Marketing

In the past, I haven’t used Lindanee’s Blog to market my Consulting Services although several insureds lately suggested that I should talk more about the successes of DCS and the numbers of clients still receiving benefits after receiving my help. My...

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Excessive Claimed Diagnoses Not A Good Idea

The tendency of insureds to claim multiple diagnoses and co-morbidity for disability purposes is often a self-inflicted risk to denial. While it is possible for insureds to have more than one diagnoses, there is a point of “reasonableness” that will be...

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The Televisit “Field Visit”

An insurance “field visit isn’t exactly good news. Or, it wasn’t good news before COVID when insureds were asked to meet person-to-person for what was internally managed as “in-person surveillance.” While requests for field rep interviews...

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Daily Buzz – Current Updates

Late Checks It’s that time of year again when insurance companies begin to act irrationally evidenced by error after error after error. Insureds, exclusively from Unum, are already starting to report that their benefit checks are late. Traditionally, Unum has...

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Deliberate By Design – White Paper by Linda E. Nee

Statistics published by the Health Insurance Association of America (HIAA) report three out of ten American workers file disability claims before retirement. Of the thousands of disability claims filed in the United States, excluding Social Security, approximately 40%...

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Deliberate By Design – White Paper by Linda E. Nee

Statistics published by the Health Insurance Association of America (HIAA) report three out of ten American workers file disability claims before retirement. Of the thousands of disability claims filed in the United States, excluding Social Security, approximately 40%...

read more

Never Ask An Insurance Company What You Should Do

I think we can all agree that insurance companies have their own agenda that has nothing to do with insureds’ benefits, or adjudicating policies. While it’s common knowledge insurers do NOT make money by paying claims, but by denying them, some people are...

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Never Ask An Insurance Company What You Should Do

I think we can all agree that insurance companies have their own agenda that has nothing to do with insureds’ benefits, or adjudicating policies. While it’s common knowledge insurers do NOT make money by paying claims, but by denying them, some people are...

read more

Running Out of Ideas

I have been writing Lindanee’s Blog for 21 years. In that time I’ve had 1,296,871 views (first records were wiped out), 1767 Comments, and wrote 2,416 total articles. Although I wouldn’t have thought that I’d run out of topics to write about, I...

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Running Out of Ideas

I have been writing Lindanee’s Blog for 21 years. In that time I’ve had 1,296,871 views (first records were wiped out), 1767 Comments, and wrote 2,416 total articles. Although I wouldn’t have thought that I’d run out of topics to write about, I...

read more

Surviving Spouse Benefits

Every disability policy contains a “Surviving Spouse” provision. While there are many different versions of the actual provision, it basically awards three times the gross disability benefit if insureds meet their elimination period and then pass away at...

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Surviving Spouse Benefits

Every disability policy contains a “Surviving Spouse” provision. While there are many different versions of the actual provision, it basically awards three times the gross disability benefit if insureds meet their elimination period and then pass away at...

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All I Can Do Is Shake My Head Editorial by Linda Nee

Saturday mornings are great days to write editorials, particularly when its cloudy with expectant thunder showers. With an early cup of good herbal tea in hand, I took a call from a gentleman who was very worried about his claim not being paid two years in the future...

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All I Can Do Is Shake My Head Editorial by Linda Nee

Saturday mornings are great days to write editorials, particularly when its cloudy with expectant thunder showers. With an early cup of good herbal tea in hand, I took a call from a gentleman who was very worried about his claim not being paid two years in the future...

read more

Remembering 9/11 At UnumProvident By Linda Nee

This is an article I’ve posted every year for 20 years in memory of UNUMProvident’s 9/11 claims. It seems appropriate on this day to do so again. Here we are on the 20th anniversary of the tragic event of 9/11. As a former customer care specialist employed...

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