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Everyone On The Net Has A Sad Story

Every disability claim is unique with its own set of circumstances, medical reports and history. The idea that one can “look up”, or research other cases on the Internet, and put together their own strategy from the tales of someone else is pure lunacy....

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Unum And Reservation Of Rights

I’ve been hearing quite a bit about Unum and “Reservation of Rights” lately.  It doesn’t surprise me that Unum would suddenly resurrect the “old ROR dog” it used on a regular basis since we are about 5 weeks to 1st Qtr....

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The Hungry Vulture – Unum Denials Begin With A Vengence!

Yesterday, I received 4 calls from claimants reporting denied claims. Although three of them were non-clients I referred everyone to experienced attorneys for Appeal processing. They were all ERISA claimants with Unum Plans, and one person was from Texas. So, in the...

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First Quarter Profitability Results And Short-Deadlines

This is just a reminder that we are within 2 months of 1st Qtr. profitability. Requests for IMEs, surveillance, and to a lesser extent field interviews will be sent out. Insureds should also be exercising due diligence on “short deadlines” given to...

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Employer’s Leave, FMLA And Private Disability

Those who first go out on disability often “intermix” everything that’s happening together with little understanding of any one thing. Understandably, STD can be confusing because there ARE so many things going on at once. First, every employer has a...

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The Re-Birth Of Any Occupation Investigations

Any occupation investigations are haphazardly done by ill-advised claims handlers, vocational reps, Genex, and other third-parties. As the insurer’s last hope of denying claims to avoid costly liabilities, the “any occ” process, is so out-of-touch...

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Managing STD vs. LTD – Very Different

Let’s start the new year off right with another “educational” article concerning the differences between managing STD vs. LTD. Short-Term Disability In the past, most insurers considered STD a mere “shoo-in” and really didn’t...

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Top Ten Worst Disability Insurance Companies In 2020

Clearly, Americans saw 2020 as a very difficult year with changes that no one could have expected. However, disability insurance, and the  processing of claims continued, and on a much larger scale, stretching resources and financial committments to the hilt. The...

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Relationships With Mental Health Providers

<p class="just")In 2020, my own statistics indicate that more mental health practitioners such as psychologists, psychiatrists and therapists were reluctant to support disabilities due to depression, anxiety and other lesser DSM-5 identified illnesses....

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Group LTD 101

I’ve just updated a 98 page mini book I wrote entitled Group LTD 101. If anyone is interested, I’m happy to email the writing to you as a reference. The book had been published on my website for many, many years, but i don’t believe it was actually...

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Friday Q & A

What is Unum Aspire? I’ve already written an article entitled “ASPIRE to be Great and Go To Disneyland”. You may want to check out more detail using the Home Page Search for the article. Unum’s Aspire program sends specially chosen claims...

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Insurance Robber Barons White Paper By Linda Nee 2018

Statistics published by the Health Insurance Association of America (HIAA) report three out of ten American workers file disability claims before retirement. Of the thousands of disability claims filed in the United States, excluding Social Security, approximately 20%...

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Article By Anonymous Former Client

Investigation of Your Claim:  Fraud is Not Always the Focus Disability insurance fraud is where a person, alone or in collusion with others, willfully makes a false statement or misrepresentation, or withholds a material fact for the purpose of collecting benefits. ...

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Disability Claimant’s Bill of Rights – 2021

As a direct or indirect party to a disability contract involving insurance coverage for disability or income replacement (IDI), you are entitled to generally recognized rights of expectation that the provisions agreed to in the Plan or policy contract are adjudicated...

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A New Year – A New Mindset

Happy New Year to all  readers of Lindanee’s Blog!  While DCS, Inc. had a great year in terms of successfully managing claims with continued benefits for the majority of clients, a new outlook moving into 2021 indicates successful claims can be achieved by...

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