I’m not quite sure why insureds continue to defend their claims with inadequate proof of claim, or medical information that does not specifically cite restrictions and limitations. I realize that I may not reach all insureds with my articles, but I must have...

I just finished updating one of my articles called, “The Truth About Insurance Surveillance.” I am happy to send my 13 page document to readers with a donation of any amount from my website:   http://www.disabilityclaimssolutions.com   Clients may...

There seems to be quite a few insureds out there who are managing their own claims. As soon as I write an article remotely suggesting that’s not such a great idea, someone will email me a note saying, “But, I managed my own appeal and I won!” Or,...

I know I must be sounding like a “broken record” when it comes to articles about providing good, solid, medical proof of claim. But, I’m seeing, and hearing about more and more denials from insurance companies citing lack of medical information, or,...

Most of you probably weren’t in the disability environment when Unum was found to be engaging in claims practices that were unfair. (2004) One of the concerns of the Multi-State Regulators was that Unum was depending solely on internal medical reviews and were...

There seems to be an outbreak of treating physicians who refuse to write medical restrictions and limitations, or are reluctant to say someone is “permanently disabled.” My impression is that physicians have become reluctant to be involved in disability...

I have to admit I have no idea why some people retain my services and then ignore what I tell them. It’s just something that seems inherent to my profession, and although I feel sorry for the eventual denials that come back to me, there is nothing I can do if...

I have a 19-page White Paper written on disability claims Independent Medical Examinations. Since insurers are now back in aggressive management mode, they are requesting more and more IME’s. These evaluations are NOT a joking matter. Therefore, for a donation...

An interesting case came up last week involving Principal and dependent offsets. It still amazes me when claims handlers still think they can bamboozle people about things that are not true in order to profitably benefit. The facts might be a little confusing, but...

I haven’t had to write this particular blog subject for quite some time now. In fact, the last time I wrote this type of article was when Unum was tagged by the Multi-State Commission (2002-2008) But lately, I’ve been receiving calls from people scared to...

Although I’ve been writing about claim “red flags” for about twenty years now, I still see many evidences that insureds and claimants do not give much thought to internal consequences of their behaviors. Of course, this is because insureds...

Lincoln and MetLife are two hardest companies to “raise the dead” on Customer Service. Insurance companies are supposed to provide a suitable customer service process that allows insureds and claimants to be able to reach representatives for questions and...

This past first quarter profitability seemed to be a settlement powerhouse for Unum. If you are interested in learning more about settlements, I’m happy to send you the “white paper” I wrote on the subject for any donation amount made from my...

Some time ago I wrote a very detailed blog article entitled, “How to Index Pre-Disability Earnings to Determine Loss or Gainful Occupations.” During the Tru_p Presidency, indexing wasn’t a big deal and calculations didn’t benefit insureds by...

‘You think you’re sooo smart!’ Prevalent among wealthier IDI insureds is often the idea that they are “entitled” to receive disability contract benefits because, as they tell me, “I’ve been paying on this policy for more than...

Those who are not covered by ERISA group disability, are generally high-level physicians, lawyers, executives and various other medical personnel. They either own their own practice, or work for a medical/legal facility. These professionals purchase Individual...

Unfortunately, most employees receiving ERISA benefits know very little about the insurance product that makes it possible for them to receive benefits. Most, often tell me, “The only thing I care about is that I am covered for LTD disability by my employer and...

Consider the voluminous amounts of paperwork that goes “in” and “out” of an insurance company for just a moment. In fact, insurance is one of the top five “paper” laden industries there is. Therefore, it is absolutely necessary for...

While there are many different types of personalities out there, one of the most dangerous, or risky types to a disability claim is that of narcissism. Although I am not a psychiatrist and don’t diagnose anyone as a “narcissist”, I do recognize the...

The short answer to the title question is: Occupational, Medical and Financial information. Yes, claimants and insureds have a responsibility to provide certain information, but there is information NOT REQUIRED to be given, such as: daily activities, computer usage,...