Friday Q & A – Special Edition
“ Information I found on the Internet”….. OK. Here we go again. This week several insureds recited back information to me that they found researching the Internet and put it forth as the absolute truth. While I understand the need for people to use...
Friday Q & A – Special Edition
“ Information I found on the Internet”….. OK. Here we go again. This week several insureds recited back information to me that they found researching the Internet and put it forth as the absolute truth. While I understand the need for people to use...
Release Point – Unum’s Worst Paper Chaser Yet
Release Point, a third-party medical records paper chaser has got to be the worst patient note chaser there is. I have had many dealings with Release Point, and I know at one time Northwestern Mutual used their services and it was an absolute harassment fest. First,...
Release Point – Unum’s Worst Paper Chaser Yet
Release Point, a third-party medical records paper chaser has got to be the worst patient note chaser there is. I have had many dealings with Release Point, and I know at one time Northwestern Mutual used their services and it was an absolute harassment fest. First,...
Unum Lays Off 30 Workers In Portland as Part of Larger Restructuring
An article appearing in the Chattanooga newspaper by Edward Murphy indicates Unum laid off 30 workers in Portland because “Unum is beefing up services such as leave management for companies, new group voluntary benefits and also its relatively new dental and...
Unum Lays Off 30 Workers In Portland as Part of Larger Restructuring
An article appearing in the Chattanooga newspaper by Edward Murphy indicates Unum laid off 30 workers in Portland because “Unum is beefing up services such as leave management for companies, new group voluntary benefits and also its relatively new dental and...
A Quick IME Reminder
A few insurance companies such as Prudential and The Hartford are taking advantage of the COVID situation to excerise their right under the policy or Plan to request IMEs. It is very important for insureds and claimants to understand that an IME is NOT the time for...
A Quick IME Reminder
A few insurance companies such as Prudential and The Hartford are taking advantage of the COVID situation to excerise their right under the policy or Plan to request IMEs. It is very important for insureds and claimants to understand that an IME is NOT the time for...
Those Utterly Stupid “What Changed?” Insurance Questions
I’ve been managing private disability claims long enough now to have been exposed to the "big picture", meaning I've seen what works for insurers and what doesn't. Insurance companies, Unum in particular, always aked the question “What...
Those Utterly Stupid “What Changed?” Insurance Questions
I’ve been managing private disability claims long enough now to have been exposed to the "big picture", meaning I've seen what works for insurers and what doesn't. Insurance companies, Unum in particular, always aked the question “What...
Friday Q & A
Why does Unum ask about lawn care, laundry, and computer activities on its questionnaires? Actually, Unum’s questionnaires are pretty mild compared to those of The Hartford or The Standard. Nevertheless, this is a good question because there are hidden motives...
Friday Q & A
Why does Unum ask about lawn care, laundry, and computer activities on its questionnaires? Actually, Unum’s questionnaires are pretty mild compared to those of The Hartford or The Standard. Nevertheless, this is a good question because there are hidden motives...
So, You Really Want To Know What Unum/G4S Surveillance Is Like?
Sometimes I think that when I warn people about surveillance I’m not taken seriously. We just had a Labor Day holiday and surveillance reps were out in droves. I received this email from a Unum insured and believe that many people could learn from it, or at the...
So, You Really Want To Know What Unum/G4S Surveillance Is Like?
Sometimes I think that when I warn people about surveillance I’m not taken seriously. We just had a Labor Day holiday and surveillance reps were out in droves. I received this email from a Unum insured and believe that many people could learn from it, or at the...
Changes To Targeted Impairments
In the last several years, insurers have adjusted and re-adjusted specific targeted impairments that have changed with new medical technology and medical treatment. Ten years ago, patients with FMS were treated with morphine pumps, today physicians recommend...
Changes To Targeted Impairments
In the last several years, insurers have adjusted and re-adjusted specific targeted impairments that have changed with new medical technology and medical treatment. Ten years ago, patients with FMS were treated with morphine pumps, today physicians recommend...
Unum Resorts to Harassment for Third Quarter Profitability
The “Hungry Vulture” has indeed raised its ugly head again while nearing 3rd Qtr. profitability results. Physicians’ offices have been contacting me to say, ” This request isn’t going to happen. The doctor and I are both out of the office...
Unum Resorts to Harassment for Third Quarter Profitability
The “Hungry Vulture” has indeed raised its ugly head again while nearing 3rd Qtr. profitability results. Physicians’ offices have been contacting me to say, ” This request isn’t going to happen. The doctor and I are both out of the office...
Northwestern’s “No Benefit” SSDI Rider – “What a Waste!”
IDI insureds often buy disability policies from agents who actually know less about the product than they do. Riders are usually very popular enhancements to base benefits, however, I recently came across a Northwestern Mutual (“NWM”) SSDI rider offered...
Northwestern’s “No Benefit” SSDI Rider – “What a Waste!”
IDI insureds often buy disability policies from agents who actually know less about the product than they do. Riders are usually very popular enhancements to base benefits, however, I recently came across a Northwestern Mutual (“NWM”) SSDI rider offered...
