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Unum Complaints With Commentary

Sherry of Spokane  July 15, 2020 My husband was involved in motorcycle accident that had STD through UNUM through a company he has been working for, for 28years. He has never used this benefit unit his accident. He was out of work for 3.5 months and had to use his...

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No Doc To Doc Calls Allowed!

Disability insurance companies have been in business a long time and have learned what works for profitability and what doesn’t. Let’s give them credit for the “learning curve” and resulting strategies that have produced profit time after time,...

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Unum – You Really DO Need To Smarten Up!

One of the  more interesting cases that was brought to my attention today involved an individual who filed a Unum behavioral STD claim and had to wait 5 weeks for a decision. The claim went smoothly until Unum reassigned the claim to a rude, argumentative, and...

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Are Insurers Back To Normal? Hell No!

Most insureds I’ve had the chance to speak to are treating updates and demands from insurers for other things as if the system has entirely returned to normal. I called MetLife yesterday on behalf of a client and it took me twenty minutes to find out that my...

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Comment Worth Front Page

I received the following comment concerning one of Unum’s Physicians. Insureds should check out the stated credentials of those reviewing their claims. Excellent comment, and thank you! After repeated research, it appears Ms. Maribelle R. Kim, DO, an UNUM...

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Calls From Non-Clients

This is a reminder to non-clients who call DCS, Inc. with questions. I will try to return your call, but I no longer have the time to keep trying to call you back more than once. If you wish to speak to me, please inform my answering service of a time when you will be...

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Long Term Care Resources – Problematic

At one time Long-Term Care insurance (LTC) was the fastest growing new block of business sold to the elderly. Insurers such as Unum and Mass Mutual quickly designed LTC packages that potentially bolstered profits while Group STD/LTD was in an unprofitable downslope....

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Unum’s Team Approach?

An insured called me the other day to tell me he was told by a Unum representative that Unum was now using the “team approach”  to manage claims and he could speak with any claim representative, possibly not the same one all the time. I’m not sure I...

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Prudential’s IME And Patient Note Insanity

It came to my attention the other day that Prudential is scheduling IMEs in October. Personally, I have no idea what management is thinking since not even Prudential has a crystal ball as to what will be happening  3 months from now. It may be that management is...

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What’s Up Doc?

If the physician medical documentation and reports I’ve been reading lately is typical for treating physicians these days, claimants/insureds may have a problem keeping their benefits paid in the future. Not only are physicians spending less and less time...

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Another Q & A 7/21/2020

Do I tell my agent I’m retiring? What for? Insurance agents know enough about disability insurance to sell and deliver policies, and not a great deal about the claims process. Some insureds tell me that their “agents” are like friends of the family...

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Friday Q & A

Do I have to resign when I go out on disability? This is the #1 question asked on Lindanee’s Blog and I have several good articles about the subject. Therefore, please do a “Search” from the Home Page for Resignations and read the other articles. In...

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Unum – Read My File Will Ya?

Insureds/claimants are continuing to complain that they are receiving letters requesting information that was previously submitted to the file, in some cases years ago. The harassment coming to light involves the fact that social security, medical and other financial...

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Unum And SSDI – Profitable Bedfellows

DCS, Inc. continues to receive many calls from claimants who are worried about recent requests to provide SSDI financial and benefit information. Unsure of what it all means, some claimants go off the wire suspecting the worse, which is understandable given...

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How Is A Surveillance For A Disability Claim Conducted?

All insurance surveillance initially begins with a red flag determined by the claims handler, whether it be conflicting or lack of medical information, inconsistency of report, or any number of other conflicts in a claim that challenge credibility of it. A referral is...

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Happy Fourth Of —Surveillance?

Although most of the nation seems to still be on some sort of lock-down or isolation, it is possible that insurance surveillance teams may be taking advantage of those who venture out. Insurance companies always conduct surveillance during the holidays and I suspect...

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Unum – Checks Late Already

This is just a reminder that Unum Group seems to have a problem with getting checks out on time during the holidays. Claimants/Insureds already reporting late checks and we haven’t even reached the holiday yet. It is expected that in addition to Unum’s...

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Unum Claimants – Nickel & Dimed

This is just a reminder that Unum is once again scraping the bottom of the barrel for SSDI overpayments to successfully queeze the last nickel and dime from its claimants. For the last month or so, Unum has been sending out letters requesting claimants send one of...

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