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Oops! That “Fear” Is Back………..

Although there must be at least twenty or more articles on this blog about the negative effects of “fear” in managing disability claims, I’m hearing more and more from insureds who are again finding themselves in paranoia mode asking me if they...

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Reminder – Hungry Vulture Year-End Profitability

We are within 6 weeks of year-end profitability and it is important for insureds and claimants to be aware of claim vulnerability until the end of December. Unum is already enforcing unreasonable deadlines even though the aftermath of COVID physician lockdowns is...

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What To Put In the Record In Your Own Defense

  I know there are  a lot of insureds out there who seem to think they have to “do what they’re told” even when requests from their insurers are unreasonable and unfair. However, people should learn to draw the line somewhere and be able to...

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News Updates

Forget About Timelines Insureds are still expecting Unum to respond in timely ways, when it’s obvious the company is too remotely disconnected without much leadership. I receive many emails from clients and non-clients alike expressing, “I haven’t...

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Empower Yourselves For Future Success by Linda Nee

While I don’t think anyone would describe me as a feminist, I believe in the power of the individual to overcome life’s challenges and be able to control one’s path as free and independent persons. Unfortunately, the process of living...

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Doc-to-Doc Calls – A Claim “No-No”

Originally, conversations between insurance and treating physicians wasn’t such a bad thing. However, the temptation to strategize outcomes in favor of insurers ruined what could have been a valuable “consensus-seeking” activity. The goal of a...

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A Q & A About COVID

Do TeleHealth meetings with my doctor count for disability purposes? Yes, they do. Physicians are keeping patient notes of TeleHealth meetings whether internally or managing patient visits through “My Chart”, a national software program that collects all...

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Medical Fraud During COVID

I received an email from someone who shared the following information with me. Insureds should be very careful of physicians who order expensive tests in order to take advantage. I went to a hearing test this morning.  I think I experienced mansplaining for the 1st...

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Everything Including The Kitchen Sink by Linda Nee

Occasionally for the disabled, it often feels as though one has every known impairment in the ICD-10 medical billing book. Head hurts, back hurts, gastritis, arthritis, joint pain, Lyme disease, FMS, CFS, POTS, IBS, HIV, DDD, DJD, and on and on. And, while impairments...

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Word Press Mucking Things Up

I can only guess that the low numbers of Lindanee’s Blog views in the last several days have to do with Word Press changing to totally awful “block editor” that bloggers are finding hard to manage. I’ve found that when something works well on...

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Inefficiency Leads To Frustration

I thought it would be a good idea to remind readers that most insurers are now operating somewhere between totally awful and down right terrible. The only real helpers in this are the Customer Service reps, who despite looking every where for living bodies to take...

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Mutual Of Omaha’s 30 Day Pay No Mind List

More and more disability cases have been surfacing from Mutual of Omaha, which upon inspection are “bungled” in very untimley ways. I’m not sure whether it’s because of COVID or whether total disorganization  is a way of life for this insurance...

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Unum – “How About Them Rotten Apples?”

Most of you  know I still have access to information inside Unum that is reported to me several times a year. While it’s never good news, it is news. Recently, I wrote a blog about a large group of (4,306 STD checks to be exact) that were not sent out. A Unum...

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Unum – Leaked Information For STD Claimants

Reliable sources  informed me this morning that Unum STD checks scheduled for 9/12 release apparently just disappeared. Unum employees have been advised not to tell claimants multiple claims are effected and that checks are being reprinted and mailed on 9/28 and 9/29....

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Unum – Leaked Information For STD Claimants

Reliable sources  informed me this morning that Unum STD checks scheduled for 9/12 release apparently just disappeared. Unum employees have been advised not to tell claimants multiple claims are effected and that checks are being reprinted and mailed on 9/28 and 9/29....

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