Think Carefully About Attorneys…..
A client called me a few days ago to tell us he approached an attorney to take over the management of his wife’s non-ERISA claim.…
Living In Fear Part II
Many people in the United States are living in fear today because nearly 7.2% of the middle class is out of work. That’s 11 million…
Are You Living in Fear? Part I
Many years ago I heard the expression “those who manage your money also manage you”, and although the saying is true for everyone, it particularly…
Q&A From My Readers – Pre-Existing Conditions
Can I fight a pre-existing claim denial? Pre-existing claim denials are something that should never happen. Most ERISA provisions contain the “3/12” pre-existing condition provisions.…
Are You Ready To File a Disability Claim?
Most insureds don’t really have a clue about how to go about filing a disability claim, or, at least filing one with the best chance…
What’s Happening To Your Claim Behind The Scenes?
There are many insureds today who seem to think they know enough about the disability claims review process to successfully defend their own Plans and…
DCS Clients Please Make Note…
Some of you may have noticed I haven’t been sending out a Newsletter. I’ve decided instead to publish all important topics and issues via Lindanee’s…
Surveillance. Will You Take It Serious?
I have been writing about disability claim surveillance for 26 years now and it is surprising how many insureds and claimants disregard the information I…
Behavioral Disorders
A decade ago the number one cause of disability was Fibromyalgia followed by Lyme disease and Mental Illness. Today the three major causes of disability…
The Quickest Way To A Claim Denial!
A typical scenario for a day in my office would be for an insured to provide me with copies of his/her medical records specifically…
Unum’s At It Again – Time To Start Listening To Those Who Know
I’ve received six emails/calls from claimants with Unum Group policies in the last week complaining of denials and having difficulties dealing with Unum. I should…
What You Don’t Know Can Hurt You And Your Claim
While so many people are trying to manage their own disability claims, I’m finding that what insureds DON’T KNOW is really starting to hurt them.…
Living With A Disability Claim – Personality Types And What They Do Wrong
I’ve been managing disability claims for over 25 years now and I can honestly say that “the official process of managing claims” has gone through…
Attorneys Are Not Always The Answer, And Neither Are Friends ,Or The Internet Or AI
Most people believe that because attorneys are licensed to practice law, they are also experts in the disability claims process. While some, due to experience,…
What You Tell Your Therapist Can Be Used Against You
It is extremely important for those receiving benefits under the mental & nervous provisions of their policy to be aware of an unfortunate circumstance that…
Employers Who Stack The Deck Against You
Although the disability claims process is intended to be administered in a fair and objective way, it rarely is. This is true particularly when it…
“My Chart” And Other Public Records
In today’s world there are many public forums keeping track of your medical history including patient notes. In order to make it easier for insurance…
Disability Insurance And Multiple Sclerosis
Multiple sclerosis is a disease which can be slightly impairing, moderately impairing, or totally impairing. It is diagnosed with either a brain MRI that identifies…
Living With A Disability Claim – In The Beginning
Here you are. Can’t work anymore, and had to leave your cherished job. You’re worried, disappointed and already missing your co-workers. Upon leaving your job…
Conflict Of Interest – Employer And Insurer
Most people either aren’t aware, or don’t realize that for ERISA claimants there is an obvious conflict of interest. You may have read many times…
