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

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!

When Your Doctor Won’t Certify Disability

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...

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Ignoring Good Advice May Be Costly

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...

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Independent Medical Examination White Paper

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...

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Principal’s Curious SSDI Position. Don’t Be Fooled!

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...

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No Virginia, There Is No Such Thing As The Unum Police

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...

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Creating Red Flags With Your Insurer

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...

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Are Settlement For You?

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...

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“Indexing” More Important Now Then Ever

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...

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Entitlement Mentality Will Get You Nowhere

‘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...

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IDI Underwriting And How It Affects You Today!

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...

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Understanding Employer Group Underwriting

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...

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Insurance Communications Centers

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...

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Narcissism And Disability Claims

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...

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Limit Communications To Required Information

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,...

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Insurance Risk And Pay Out Rates

All risk is based on the “law of large numbers”, which simply put means that insurers place bets not everyone who buys a policy will file a claim. The more people who buy disability policies, the more profits can be made as long as payouts remain static....

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Are You Emotionally Affected By Your Claim?

It is not surprising that the majority of insureds with disability claims keep themselves in constant states of anxiety over whether or not they will get paid each month. In the past, I’ve written many articles stating in my experience that it appears emotional...

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Prudential Financial And Lincoln Also Bad Apples

Although Unum Group is publicly known as the worst “bad apple” company in America, Prudential Financial and Lincoln are the runners-up that we don’t hear too much about. I’m already hearing case scenarios that indicate to me these two...

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Physician’s Who Won’t Take The Time to Do A Good Job

Does your physician just scribble short answers on your medical update forms? Do you let that form stand and just send it in anyway? Unfortunately, that’s not going to work as well for you as it could. When insurance companies are back to “stacking the...

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