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SSDI Overpayments – The Right Thing

Most people who read Lindnee’s Blog contact me because they know I will always tell them the truth about their claim situations and because I have the knowledge and experience to provide accurate answers. This is one of those siutations. I seem to be hearing a...

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Fibromyalgia And Unum – A Sunday Editorial by Linda Nee

Unum’s Fibromyalgia Position Statements and Guidelines (7/29/2002) Just before leaving Unum in 2002 one of its physician consultants handed me a copy of Unum’s “position statement” regarding Unum’s handling, review, and philosophy in administering fibromyalgia claims....

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Unum – Talk About Scary, Spooky And Shady…

I think it is exactly the appropriate time of year to talk about Unum’s “scary, spooky and shady” claims practices that are heralding 4th quarter profitability and causing insureds a great deal of grief. Unum’s investigations appear to be over...

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Unum -News Updates

Just entering into 4th Qtr. profitability results Unum is denying large numbers of claims attempting to prepare for an economic recession in the spring. As a result of Unum’s targeting of claims for profitability, I’m already aware of several claim denials...

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Holidays With No Money – Late Checks

We are quickly approaching the holiday season and that could mean delayed checks and late benefits from insurers. While Unum by far has the most difficulty in getting checks out on time, hardships over the holidays from not receiving benefits on time can happen to...

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Adjusting To The New Insurance Normal

The claims process for private disability changed. It happened so silently, and covertly, that claimants and insureds failed to notice subtle changes in communications and how insurers have tightened the reigns to make denying claims easier, more efficient, more...

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Medical Proof Of Claim Not Sufficient

So far this year I’ve written at least four articles about medical “proof of claim” I thought were going to be very popular and helpful. In reality, these very informative medical articles were not popular since insureds opted to read writings on...

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What You Respond To On Questionnaires

As a disability Consultant, I have always recommended that insureds and claimants request communications from insurers in writing. Despite this common “best practice” many insureds continue to communicate directly with claims reps, and/or OVERWRITE answers...

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Fact or Fiction – Do You Know What’s True?

It always amazes me how much public misinformation there is out there regarding private disability insurance. Although separating fact from fiction may seem daunting, it also gets a bit ridiculous at times. Insurance fiction usually stems from word of mouth from...

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Testimonials For New Website

In order to meet many of the new Search Engine requirements I’m having my website re-designed. My web designer informs me that Google, for example, likes to see Ratings and Testimonials in order to place higher. If you would like to write an anonymous...

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Money Management For Future Disability Part I

One of the most destructive reactions to those with private disability is “fear.” Although I write about it quite often, I’m not sure my message is understood as something that can be planned for and controlled, or just part of a complex system gone...

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How Many Times Is Unum Going To Recalculate?

Most people receiving disability insurance look to receive monthly benefits when they can’t work due to medical impairment. However, if you have a Unum claim it may seem as though you are continuously paying THEM and not the other way around. We all are aware of...

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Returning To Work – A Sunday Editorial

There’s been a great deal of talk lately from insureds looking for advice about returning to work after a disability, and that’s a good thing. I am of the opinion that it is physically and emotionally healthy to return to work after a period of disability,...

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When Insurers Laugh At You

Some years back one of my investigators read the Facebook pages of many of Unum’s claims handlers and managers and discovered the following comment on a managers page: “Insureds are like slinkys, they aren’t worth anything, but you sure do like to...

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