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A Quick IME Reminder

A few insurance companies such as Prudential and The Hartford are taking advantage of the COVID situation to excerise their right under the policy or Plan to request IMEs. It is very important for insureds and claimants to understand that an IME is NOT the time for...

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Friday Q & A

Why does Unum ask about lawn care, laundry, and computer activities on its questionnaires? Actually, Unum’s questionnaires are pretty mild compared to those of The Hartford or The Standard. Nevertheless, this is a good question because there are hidden motives...

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Changes To Targeted Impairments

In the last several years, insurers have adjusted and re-adjusted specific targeted impairments that have changed with new medical technology and medical treatment. Ten years ago, patients with FMS were treated with morphine pumps, today physicians recommend...

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Sources Of Disability Claim Information

Of late, I’ve been receiving phone calls from insureds who tell me they read my blog and are using the information to manage their own claims. While there are many sources of insurance information on the Internet, it is important to realize that every claim has...

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A Wonderful Testimonial From A Client

I have been Linda Nee’s client for over 15 yrs. During those years, she has fought two denial claims [this is when I was permitted to do appeals] and was the one responsible for me getting the denials overturned. She has been there from day one and is the only reason...

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Don’t Sweat The Templates – It’s All Buzz

Lately, I’ve noticed that I’m getting quite a few questions concerning the nuisance multi-page letters claimants and insureds are receiving. While they can be pretty scary, most of the letter is just BUZZ. Due to the fact that nearly all insurers...

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Communication Best Practices by Linda Nee

For the last twenty years, DCS, Inc advocated not speaking with any insurance representative on the phone. Out of over 1.2 million readers of the blog to date, I would estimate that less than half made the decision to follow that advice. I believe that insureds’...

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Unum Pushes GENEX Sign-On – Just Say “No”

According to recent information Unum is once again pushing its SSDI third party vendor, GENEX, so that it can benefit from exchanges of SSDI information without coaxing claimants to sign separate Authorizations to obtain SSDI files. Of course, GENEX is sold by Unum as...

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Friday Q & A

Why am I not getting any update forms and checks on time? Insureds continue to think that insurance companies are operating under maximum efficiency when they definately are not. Not getting expected annual update forms and/or benefit checks on time is scaring quite a...

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FYI About Phone Calls

Since it is recommended that insureds not speak with insurance representatives directly on the phone, I’m hearing that many people are picking up the phone because the caller ID is not the name of an insurance company, but a personal number. This is because most...

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Thank You So Much!

I wanted to say a very heartfelt thank you to the person or persons who sent me a beautiful bouquet of flowers. The card read: Linda,   “We are incredibly fortunate to have you as our knowledgeable guide and tireless defender. You are simply the best at what you do....

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Friday Q & A

What does 20% disability mean? All disability Plans and policies are referred to as “income replacement” meaning there must be at least a 20% income loss in order to be eligible for benefits. Looking at this another way, insureds may not earn in excess of...

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