The Importance Of Financial Reserves
The single most important thing about disability claims from the insured’s point of view is knowing about financial reserves and how they affect claims…
Do You Need Help With Your Appeal?
One of the trends of managing disability claims is that claimants and insureds are trying to manage by themselves without paying for additional help. As…
Dealing With Inefficiency
The changes that have been made in the claims review process since COVID have already proved to be disastrous for many insureds attempting to work…
Changes At DCS
I’m hoping that my clients are still reading Lindanee’s Blog. If you are, then I have some news for you that you might want to…
Year-End Christmas Grinch
Most people don’t realize that, potentially, their claims could have been targeted in October (beginning of 4th Qtr.) for denial by year-end. We are only…
When Surveillance Happens On a Claim
Insurance companies aren’t stupid. They realize the value of a dollar and set specific perameters that must be met before surveillance is conducted. Considering that…
Rant, Rant, Rant, Argue, Argue, Argue
Sometimes it’s very hard for insured’s to realize that the only obligation of insurers is to pay their claims. Once an insurance company investigates a…
Zip It!
Many years ago when I was still giving expert testimony in disability cases and depositions, the attorney would tell me in no uncertain terms: TO…
Thank You!
I want to say a special thank you to those who contacted me in the last year with compliments about the Blog. I’m glad I…
Insurance Companies Don’t Tell You The Truth
Insureds and claimants need to be knowledgeable concerning their disability claims, Plans and policies, so that they are able to recognize when they are being…
Changes At DCS
Hello. I know it’s been a while since I’ve posted any articles and you’ve probably placed me on your pay no mind list. I…
Making Deals Goes Bust
Unfortunately, there are insureds out there who are under the mistaken impression that they can make deals with claims handlers and managers about their claims.…
Don’t Discount the Older Generation of Programmers
Last week, I received a call from someone looking for claims assistance. During the conversation, he proceeded to tell me that because I was of an older generation, I had little respect, and/or knowledge for modern social media and AI. “Here we go”, I...
“Stacking the Deck” Against You
The term “stacking the deck” was, in the past, used to refer to the claims process of creating the appearance of credible denials by initiating strategies that create the illusion that insurance company decisions are accurate, fair, and unbiased. Said...
The Worst Mistakes You Can Make
Now that insureds are more and more managing their own claims, I see them making so many mistakes bringing them to my door anyway. Some things I can fix, others aren’t fixable. Here are the most common mistakes insureds make with their own disability claims,...
The New Insurance Bad Boys In Town
From 2000 to 2008 UNUMProvident was identified as the worst disability insurer in the country. Unum’s unfair strategies were investigated by Eliot Spitzer’s office and the company came very close to criminal charges, both in New York and California....
The Value of a Claims Consultant
In the last twenty years it has been suggested to me that I use Lindanee’s Blog as a marketing tool to “sell myself” as a Claims Consultant. Although I declined to do this, choosing not to use this site in that way, times have changed, people have...
Bad Faith
The laws in most states imply a duty of good faith and fair dealing on behalf of the insurance company. This duty requires the disability insurer to act reasonably in the handling of claims submitted to them by insureds and claimants. Even though disability polices do...
Making Sense of Inefficiency
It really surprises me that disability insurers are allowed to stay in business with the kind of mess they are creating with disability file management. A New York Life claims handler was totally unaware that a claimant was entitled to a copy of her Administrative...
CIGNA Health Insurance Denying Procedures
Not only are disability companies giving claimants problems, but health insurers and hospitals are as well. Several instances have come to my attention when patients complained that their health insurance purchased from the “Health Marketplace”,...
