Surviving Spouse Benefits
Every disability policy contains a “Surviving Spouse” provision. While there are many different versions of the actual provision, it basically awards three times the gross disability benefit if insureds meet their elimination period and then pass away at...
Misunderstanding Policy Provisions Sunday Editorial by Linda Nee
One of the most important things I learned as a disability contract expert was that disability Plans and policies are not written clear enough to allow the general public complete understanding as to what the language actually means. While insurance companies rush to...
Misunderstanding Policy Provisions Sunday Editorial by Linda Nee
One of the most important things I learned as a disability contract expert was that disability Plans and policies are not written clear enough to allow the general public complete understanding as to what the language actually means. While insurance companies rush to...
All I Can Do Is Shake My Head Editorial by Linda Nee
Saturday mornings are great days to write editorials, particularly when its cloudy with expectant thunder showers. With an early cup of good herbal tea in hand, I took a call from a gentleman who was very worried about his claim not being paid two years in the future...
All I Can Do Is Shake My Head Editorial by Linda Nee
Saturday mornings are great days to write editorials, particularly when its cloudy with expectant thunder showers. With an early cup of good herbal tea in hand, I took a call from a gentleman who was very worried about his claim not being paid two years in the future...
Remembering 9/11 At UnumProvident By Linda Nee
This is an article I’ve posted every year for 20 years in memory of UNUMProvident’s 9/11 claims. It seems appropriate on this day to do so again. Here we are on the 20th anniversary of the tragic event of 9/11. As a former customer care specialist employed...
Remembering 9/11 At UnumProvident By Linda Nee
This is an article I’ve posted every year for 20 years in memory of UNUMProvident’s 9/11 claims. It seems appropriate on this day to do so again. Here we are on the 20th anniversary of the tragic event of 9/11. As a former customer care specialist employed...
September – 3RD Quarter Profitability Results
Despite that many insureds believe “profitability periods” have no affect on them, thousands of disability claims are denied each quarter and year-end as the result of pressure placed on claims handlers to deny more claims. End of the quarter...
September – 3RD Quarter Profitability Results
Despite that many insureds believe “profitability periods” have no affect on them, thousands of disability claims are denied each quarter and year-end as the result of pressure placed on claims handlers to deny more claims. End of the quarter...
New Definitions For Lyme Disease by Linda Nee
It’s been quite a long time since I wrote an article about Lyme disease, but in the last several months the impairment has cropped up quite often. Certainly, as a “disability”, or reported cause of “total disability”, the rules...
New Definitions For Lyme Disease by Linda Nee
It’s been quite a long time since I wrote an article about Lyme disease, but in the last several months the impairment has cropped up quite often. Certainly, as a “disability”, or reported cause of “total disability”, the rules...
Chronic Pain And Disability By Linda Nee
Pain. Although most of us endure the occasional aches and pains of tension headaches, bumps, thumps, bruises, strains and sprains, there are many others who suffer daily chronic pain, that cannot be lessened with over-the-counter remedies such as Tylenol or Advil....
Chronic Pain And Disability By Linda Nee
Pain. Although most of us endure the occasional aches and pains of tension headaches, bumps, thumps, bruises, strains and sprains, there are many others who suffer daily chronic pain, that cannot be lessened with over-the-counter remedies such as Tylenol or Advil....
“Brain Fog” Is An Old Time-Battered Term
Twenty years ago, the term “brain fog” became synonymous with a diagnosis of fibromyalgia when physicians needed a term to describe a wide variety of general symptoms for a “syndrome” disease no one could prove actually existed. In those early...
“Brain Fog” Is An Old Time-Battered Term
Twenty years ago, the term “brain fog” became synonymous with a diagnosis of fibromyalgia when physicians needed a term to describe a wide variety of general symptoms for a “syndrome” disease no one could prove actually existed. In those early...
A Reminder About Labor Day Surveillance
This is just a reminder about insurance surveillance probability over the Labor Day holiday is pretty darned likely. As you are well aware, insurance companies take advantage of surveillance opportunites when increased claimant activity is expected. All insureds...
A Reminder About Labor Day Surveillance
This is just a reminder about insurance surveillance probability over the Labor Day holiday is pretty darned likely. As you are well aware, insurance companies take advantage of surveillance opportunites when increased claimant activity is expected. All insureds...
Disability Insureds’ Bill of Rights
As a direct or indirect party to a disability contract involving insurance coverage for disability or income replacement, you are entitled to generally recognized rights of expectation that the provisions agreed to in the policy contract are adjudicated in a fair,...
Disability Insureds’ Bill of Rights
As a direct or indirect party to a disability contract involving insurance coverage for disability or income replacement, you are entitled to generally recognized rights of expectation that the provisions agreed to in the policy contract are adjudicated in a fair,...
Beware Of Insurance Red Flags
All insurance companies operate assuming most people who submit disability claims are “faking it” for the purposes of secondary gain. Although in reality, only 20% of claims are found to be fraudulent, insurers are always on the lookout for tell tale signs...
