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Can Anyone Help Me? by Linda Nee

Can Anyone Help Me? Martha kissed her two small children goodbye and watched them closely as they ran toward the school bus, lunch boxes flailing, backpacks slipping off their small shoulders. It was a beautiful day in rural Maine. The sun glistened through the...

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When Insurance Companies Cross The Line

All insurance companies have a legal, contractual accountability to perform all duties under the terms of the policy and to pay those claims that should be paid and deny those claims that should not be paid. In the performance of these duties all insurers are required...

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Guardian Has Gone Rogue – Unfair And Untimely

  Those who are waiting for Guardian to make swift liability decisions, may still be waiting a year from now. Since the Berkshire/Guardian merger some time ago, the company evolved into a paranoid, confused, over-investigative resource that is causing havoc with...

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Felony Conviction For Stealing Business ID

I just wanted to send out a message to the person who hijacked my business contact information and has been sending it out to franchise list servers. In addition, you’ve been contracting businesses in my name in the Portland area by actually inputting requests...

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Prudential – A Real Piece Of Work

If someone were to ask me today which insurance company was the worst for disability insurance I would have to say Prudential. While most insurers at least attempted to accommodate and act humanely during COVID, Prudential did not. Staffed with former Unum employees...

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Farewell To The Unum Facility in Portland, ME

Although I have been posting that Unum no longer has a centralized facility, I didn’t know until today that Unum’s main campus in Portland, ME is now the Berry Dunn buildiing. Those of you who have been to Portland, ME on outer Congress Street may have...

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Divorce And Disability Claims

Unfortunately, the divorce rate for disabled insureds is greater than the 50% cumulative rate for couples in the United States.Those who are most vulnerable in our society are often left behind when non-disabled spouses fail to cope with their care-giving roles....

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Hello? Hello? Is Anyone There? Happy Holiday.

Have you tried to reach your claims handler recently? It’s as though all claims specialists suddenly went DOA, or took a trip to East Gish somewhere. (East Gish is an imaginary place in Maine folklore.) “I’m going to find someone for...

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DCS Greenhouse Downed By Wind Shear In Maine

Just wanted to post an announcement that this morning we had a 55 mph wind shear that completely demolished our 45 ft. greenhouse. The winds are still pretty bad and are expected to peak around 5pm this evening. DCS will be closed today, I don’t want power...

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Complaints Won’t Get You What You Want

  People who have been burned by a private disability company often become so angry that the eyes of revenge turn livid and efforts are made to “make the insurance company pay”, or “get them in trouble”, and even expose them to the press....

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Summer Sun And Surveillance – Summer 2021

This is just a reminder that with better weather and a loosening of lockdowns, insurance surveillance is back on the insurance agenda. If you’ve had inquiries from your insurance company about verifying your address, chances are a surveillance is being planned....

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Where Are You From? I Can’t Understand You!

Several insureds have been telling me that they are unable to reach anyone at their insurer’s location, particulary The Hartford. Today, I had the experience of trying to locate an Hartford claims handler, who in the end, was located in the Philippines. After...

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IDI Policies – Over-Insured Is Not Better!

In the last decade many highly paid individuals, physicians, dentists and self employed entrepreneurs purchased multiple disability policies in the hopes of having money while disabled. Planning for the financial future, is of course, a necessity, but stockpiling...

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It’s Too Late For My Help

I’m once again receiving calls requesting my assistance for denied claims. It seems very reasonable there should be an increase in denied claims since we are within two weeks of 1st Qtr. profitability reporting. However, the idea is not to have a denied claim in...

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Afraid Of Angering Your Insurer? What Nonsense!

Earlier in the week, someone said to me, “If I do that will I make my insurer angry?” “Oh, boy”, I thought, “here we go again.” Throwing aside my first instinct to reply, “Do you care?”, I realized the correct answer is...

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Everyone On The Net Has A Sad Story

Every disability claim is unique with its own set of circumstances, medical reports and history. The idea that one can “look up”, or research other cases on the Internet, and put together their own strategy from the tales of someone else is pure lunacy....

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