Unum And Short-Term Disability
Unum’s operations for short-term disability have obviously gone from very bad to worse. Twenty years ago, the company made a decision to throw STD claims management in with other products such as LTD, and it’s been downhill ever since. (This is a story in...
A Few Tips To Help Manage Claims
Most of the information on the Internet pertaining to disability claims management is negative and discouraging. However, today I’d like to write about some of the positive reinforcement actions insureds can put in place to help themselves have a better time...
Bad Santas For The Holidays -Claims Update
All disability insurance companies recognize profitability by reductions in financial reserve. That said, year-end targeting of vulnerable claims is perhaps one of the most important priorities of an insurance company from October through December. The process...
ERISA “Any Occupations” by Linda Nee
As most ERISA claimants know, Employer Group Plans nearly always contain a definition of disability that includes the following: “After 24 months claimants must be unable to perform the material and substantial duties of ANY occupation for which [the claimant] has...
DCS Progress And A Bit Of Marketing
In the past, I haven’t used Lindanee’s Blog to market my Consulting Services although several insureds lately suggested that I should talk more about the successes of DCS and the numbers of clients still receiving benefits after receiving my help. My...
Here We Go Folks! Unum’s Year- End Profitability Hungry Vulture Targets Begin
Anytime “insurance” is paying a benefit you can be sure that “profitability” involving financial reserves are involved. We are slightly under two months to year-end and already I’m dealing with insureds who are battling Unum to...
Excessive Claimed Diagnoses Not A Good Idea
The tendency of insureds to claim multiple diagnoses and co-morbidity for disability purposes is often a self-inflicted risk to denial. While it is possible for insureds to have more than one diagnoses, there is a point of “reasonableness” that will be...
The Televisit “Field Visit”
An insurance “field visit isn’t exactly good news. Or, it wasn’t good news before COVID when insureds were asked to meet person-to-person for what was internally managed as “in-person surveillance.” While requests for field rep interviews...
Daily Buzz – Current Updates
Late Checks It’s that time of year again when insurance companies begin to act irrationally evidenced by error after error after error. Insureds, exclusively from Unum, are already starting to report that their benefit checks are late. Traditionally, Unum has...
Deliberate By Design – White Paper by Linda E. Nee
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 40%...
Deliberate By Design – White Paper by Linda E. Nee
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 40%...
Never Ask An Insurance Company What You Should Do
I think we can all agree that insurance companies have their own agenda that has nothing to do with insureds’ benefits, or adjudicating policies. While it’s common knowledge insurers do NOT make money by paying claims, but by denying them, some people are still asking...
Never Ask An Insurance Company What You Should Do
I think we can all agree that insurance companies have their own agenda that has nothing to do with insureds’ benefits, or adjudicating policies. While it’s common knowledge insurers do NOT make money by paying claims, but by denying them, some people are...
Running Out of Ideas
I have been writing Lindanee’s Blog for 21 years. In that time I’ve had 1,296,871 views (first records were wiped out), 1767 Comments, and wrote 2,416 total articles. Although I wouldn’t have thought that I’d run out of topics to write about, I...
Running Out of Ideas
I have been writing Lindanee’s Blog for 21 years. In that time I’ve had 1,296,871 views (first records were wiped out), 1767 Comments, and wrote 2,416 total articles. Although I wouldn’t have thought that I’d run out of topics to write about, I...
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...
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...
