Disability Claims Solutions

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Procrastination Could Be A Deal Breaker For IDI Insureds

Lately, I’ve been contacted by IDI insureds who want to file for disability using a date of disability in the distant past, somewhere between 3-10 years ago. Therefore, it’s important for me to share information that suggests such late filings may prove...

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Something To Smile About

(Thank you to one of my clients who emailed this to me today. Hope everyone is safe and healthy.) A lady from Pebble Creek wrote this on the Nextdoor posting, enjoy!  Half of us are going to come out of this quarantine as amazing cooks. The other half will come out...

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Disability Claim Misinformation

From my perspective it often seems as though the public perception of disability insurance hasn’t changed since I first started writing a column in Jim Mooney’s “Inside UnumProvident” Newsletter in 2001. At that time in the midst of the Unum...

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DCS Carrot And Stick Awards

Although Unum has taken the high road on working through the national pandemic, the company still remains the most egregious insurance company in the U.S. Information reported to me is that Unum is chasing denied claimants for retroactive SSDI overpayments and...

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One More Time……..

Over the last twenty or so years I have been writing articles cautioning claimants and insureds from speaking directly on the phone to claims representatives. Unfortunately, I repeatedly get calls from insureds telling me they are speaking with insurance companies on...

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Attorneys Are Not Experts In Claims Management!

Over the years I’ve heard, or have been provided with enough misguided advice from attorneys fill volumes. Not surprisingly, some of the inaccurate information involving disability claims management came from attorneys. Due to the fact that the topic of...

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The Insurance Good, The Bad, And The Ugly

As we all know it has been quite a realignment change ,,to manage disability claims during these challenging times. The last two weeks I’ve spent most of my time communicating with insurers concerning insureds’ inability to submit forms and other...

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COVID-19 Comments

Please see the link at the top of this Home Page. If you have anything you want to say (anonymously), or update us with the situation in your state, please send me an email and I will add it to this page. I think it’s great that people want to share, and stay...

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Insurers Not Functioning Well

I am writing this article to re-emphasize that although insureds are scared and are, in some cases, demanding that the claims process move forward as usual, everyone seems to be biting at the same pickle, including insurers. The United States has not had to go through...

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MetLife – A “Wacked” Company For Sure

For the last 20 years I’ve always described MetLife as a “bottom feeder” insurance company. My opinion was at first derived from the company’s complete lack of customer service and fair appeal procedures, but recently my opinion is based on...

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Hanging In There…. Good News! 3/23/2020

God bless to everyone who has been hanging in there for the past couple of weeks. DCS, Inc. continues to work through may logistic problems with insurers, but please be advised that every claims handler I’ve spoken to has been very helpful and willing to work...

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Crisis Update For Insureds – 3/19/2020

Information I have is that most insurance companies have shut their doors and have asked employees to work remotely from home. Although I have still been able to reach, and speak to, claims reps, I’ve had to be persistent with phone calls. Some handlers are only...

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No More Answering Service For DCS, Inc.

As most of you are aware DCS, Inc. utilized an answering service to help with the numbers of calls received from readers of the blog. Clients and non-clients have mixed reviews about the value of an answering service, particularly for a disability Consultant. There...

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Disasters, Pandemics and Disability Insurers

Quite a few people are contacting me with questions concerning the current coronavirus outbreak. As you all know, I am not a public health official, nor am I a doctor and cannot give anyone specific advice regarding “what do do.” I probably know as much...

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Friday Q & A 3/13/2020

Can Unum take money out of my bank account? Not unless you give it permission to. Electronic deposits allow Unum (and other insurers) to put money in, but not take it out. Authorizations to watch are those connected with third-party SSDI Advocates such as Genex,...

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