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!

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Disability Companies DO NOT Work In Your Best Interests

It’s really hard NOT to trust your disability insurer when you are unknowledgeable of the product and process. Human nature, basically willing to trust, particularly with business-type transactions often relies on asking questions from a source more concerned...

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UNUM -Self-Defeating ERISA Appeals

Over the last several months it’s come to my attention that claimants are representing themselves with ERISA Appeals and are doing themselves a grave disservice.  Approximately only 1% or less of individuals who file their own appeals are successful. I’m...

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Are People Not Getting It Or What?

I don’t want to even think about the number of articles I’ve written about surveillance. Although I feel like a broken record on the subject, I’m also hearing from clients and other insureds that basically my tips on surveillance are ignored. By...

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Regular Care – Be Really Careful

  All disability insurers require those who file claims to remain in “regular” care. The word “regular” means, (and this is my definition),   “the frequency of medical consultation with a physician who has credentials to treat the...

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Tread Carefully With Unum Settlements

We are now within weeks before the end of the 3rd Qtr. profitability close and Unum is reaching out to insureds offering lump sum settlements sometimes with 6 figures if the benefit is high enough. Apparently, Unum is testing the waters to rid their financial reserves...

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Treating Physicians – Running Away From The System

Physicians have never been happy with the insurance industry that put them in the middle of risk management within the private disability review process. In some respects treating physicians have been abused and ignored by the very industry that now requires their...

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Why Insurance Phone Calls Place Risk On Your Claim

In the past, I’ve written many articles about why insureds should NOT speak with insurance companies on the phone, and for the most part I believe that the majority of people do not. However, there is still a large percentage of insureds and claimants who still...

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Claimified By Lincoln And Enough Is Enough

OK folks. In the last week I’ve received over 35 calls from Lincoln claimants asking me about requests for SSDI files by a third-party paper chaser called Claimify. This has been a Lincoln issue for the last few months and I’ve written at least 2-3...

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Comorbidity In Disability Claims

While most insureds are left in the dark about co-morbidity, insurance companies have always taken the opportunity to abuse claims when it is obvious co-morbidity exists. The definition, simply put, is “having more than one medical diagnosis that in combination...

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Insurer Priorities Aren’t In The Past

  Most of the people who are receiving private disability benefits have not thought about what the major intentions and priorities of insurers really are. Some are of the opinion that insurers are “all bad”, others believe the Almighty Net and believe...

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They’re Watching You!

Insureds are phoning me like crazy reporting strange cars on their streets, familiar faces popping up in the store, spooky, burly men following them, and well, you got it, strange phone calls, and door knocks. Insurance surveillance is a normal thing, expected, and...

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Unum’s Voodoo Physicians Reappear

As Unum tightens the rope around  insureds’ throats to deny claims (again), the old-time, biased internal physician review re-emerges with aggressive internal non-acceptance of medical restrictions and limitations, doc-to-doc calls, and treating physician...

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Lincoln Financial On A Rampage – A Word To The Wise

Looks like Lincoln Financial is on a hell-bent rampage to obtain SSDI files from their claimants. DCS continues to receive calls “checking with me” about next steps in handling the requests. Although I’ve written many articles about so-called...

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Lincoln Broken Record

Apparently Lincoln Financial has taken up Unum’s SSDI scams. I received 5 calls today one right another, describing an offer of settlement, declined by claimants with resultant requests for SSDI records to calculate possible overpayment. It’s obvious that...

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Communication Skills – Emails Have No Tone Of Voice

  Today, every one sends emails about everything. Email to family, friends, enemies, chat rooms etc. Although businesses give lip service to not using emails, they instead created “secure” portals to communicate by email nonetheless. Electronic...

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Demanding Surgery As “Appropriate Care”

  Somewhat connected to the previous post is the issue as to whether an insurance company can threaten to deny benefits unless you have surgery. Think about this. If an insurance company could force insureds to have surgery, they could potentially kill a lot of...

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