Disability Claims Solutions

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Is Your Insurance Company Gaslighting You?

Apparent in our current insurance industry is a growing  percentage of disability claim insureds who seem to accept, and act upon, perceptions about disability claims, after having been “gaslighted” by the very companies they depend on for financial...

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I Don’t Get That Rationale At All

Last week I received several phone calls from insureds who told me basically the same thing: “I contacted several attorneys early on, but I didn’t want to pay them anything until my claim was actually denied. Now it’s denied what do I do?”...

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Friday Q & A -5/15/2020

How can I coordinate Worker’s Compensation and my STD payments? There is generally nothing to coordinate. Usually, STD Plans will NOT pay claims if the claimant has or will file for Worker’s Compensation. Employers may play “Gotcha!” by...

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COVID-19 Updates – 5/8/2020

Insurers Back On Deadlines In the last week or so it is evident that most insurers are back to their normal practices of harassing insureds to meet deadlines when in some states it remains impossible to do so. DCS recommends downloading treating physician’s...

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Friday Q & A – 5/8/2020

There were quite a few questions submitted to DCS about HIPAA and ERISA. There are many good posts about these subjects if you Search for them from the Home Page. What are the ERISA Rules on pre-existing condition? The Employment Retirement Income Security Act of 1974...

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“No More Mr. Nice Guy” – No exceptions!

While it appeared, during these last difficult months of national lock-down, that insurance companies were relaxing requirements to provide proof of claim, particularly affecting “new claims”, in reality most insurers today have reversed the Mr. Nice-guy...

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Welcome To Reality – Again…

If I had just $1 for all of the articles I’ve written concerning “proof of claim”, claim decision-making, and who makes claims decisions I would indeed be a very wealthy woman by now. Although in the past I’ve hinted, danced around, and walked...

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Guardianship Of Insurance Agency

Recently, the ethics of insurance “agency” came into discussion when a sales agent of Guardian suggested he intervene in the decision-making process in order to “assist” an insured he sold a policy to obtain an approval decision. While...

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Disability Insurance COVID-19 Operations In A Rut

Disability insurers generally have their internal claims review processes down to a science. Not only does management have daily access to statistics, financial reserves, and unit operational numbers,  CEOs and VPs can tell you minute details round the clock. You...

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An Update On FMS Disability Claims

Fibromyalgia and Chronic Fatigue Claims have long been a source of denial by most American insurers. When I was a claims hander those diagnosed with FMS were treated with morphine pumps and yet today patients are expected to “get up on a treadmill” and...

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Unum Update 4/23/2020

Information recently received by attorneys indicates Unum is not overturning denials on appeal. Despite the fact that Unum seems to be “patient and understanding” during the COVID-19 lockdown, the company is still not overturning unfair denials. As a...

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Helpful Tips – 4/22/2020

Pre-dated Letters DCS was recently contacted by more than one claimant/insured informing they are receiving letters dated in the past they are only receiving now. Requests for updated information ultimately have “short deadlines” because letters...

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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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