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...
Any Occupation Investigations – Additional Questions Answered
The issue of “any occupation investigations” seems to be coming up a lot lately, therefore, the subject warrants another post. Either claimants are not aware of what “any occ” means, or they allow the process to proceed from the insurance...
Any Occupation Investigations – Additional Questions Answered
The issue of “any occupation investigations” seems to be coming up a lot lately, therefore, the subject warrants another post. Either claimants are not aware of what “any occ” means, or they allow the process to proceed from the insurance...
Sources Of Disability Claim Information
Of late, I’ve been receiving phone calls from insureds who tell me they read my blog and are using the information to manage their own claims. While there are many sources of insurance information on the Internet, it is important to realize that every claim has...
Sources Of Disability Claim Information
Of late, I’ve been receiving phone calls from insureds who tell me they read my blog and are using the information to manage their own claims. While there are many sources of insurance information on the Internet, it is important to realize that every claim has...
A Wonderful Testimonial From A Client
I have been Linda Nee’s client for over 15 yrs. During those years, she has fought two denial claims [this is when I was permitted to do appeals] and was the one responsible for me getting the denials overturned. She has been there from day one and is the only reason...
Don’t Sweat The Templates – It’s All Buzz
Lately, I’ve noticed that I’m getting quite a few questions concerning the nuisance multi-page letters claimants and insureds are receiving. While they can be pretty scary, most of the letter is just BUZZ. Due to the fact that nearly all insurers...
What’s Going On At Unum? Repeated Requests For The Same Information
There is no doubt but that the alleged COVID epidemic’s lockdowns have caused disability insurers to act outside of their own internal disorganization that recently quickly turned to chaos. Within the last week I received several calls from claimants complaining...
Communication Best Practices by Linda Nee
For the last twenty years, DCS, Inc advocated not speaking with any insurance representative on the phone. Out of over 1.2 million readers of the blog to date, I would estimate that less than half made the decision to follow that advice. I believe that insureds’...
The Two “R’s” That Should Never Be Mentioned With Disability Claims
Because of the current situation we find ourselves in with COVID many insureds are making the decision to either “retire” or “resign” from their jobs from the very beginning of medical impairment. Disability insurance companies are very, well,...
Unum Pushes GENEX Sign-On – Just Say “No”
According to recent information Unum is once again pushing its SSDI third party vendor, GENEX, so that it can benefit from exchanges of SSDI information without coaxing claimants to sign separate Authorizations to obtain SSDI files. Of course, GENEX is sold by Unum as...
Friday Q & A
Why am I not getting any update forms and checks on time? Insureds continue to think that insurance companies are operating under maximum efficiency when they definately are not. Not getting expected annual update forms and/or benefit checks on time is scaring quite a...
FYI About Phone Calls
Since it is recommended that insureds not speak with insurance representatives directly on the phone, I’m hearing that many people are picking up the phone because the caller ID is not the name of an insurance company, but a personal number. This is because most...
Thank You So Much!
I wanted to say a very heartfelt thank you to the person or persons who sent me a beautiful bouquet of flowers. The card read: Linda, “We are incredibly fortunate to have you as our knowledgeable guide and tireless defender. You are simply the best at what you do....
Friday Q & A
What does 20% disability mean? All disability Plans and policies are referred to as “income replacement” meaning there must be at least a 20% income loss in order to be eligible for benefits. Looking at this another way, insureds may not earn in excess of...
DCS Objectives Involves Specific Successful Strategies
Prompted by one of the blog comments I received this week, I thought I’d take a moment to explain what the overall objectives of DCS, Inc. are and why I post the types of articles and subjects I do. First, let me say that I am aware that we are now living in a...
You Are Not In Control Of The Claims Process
One of the most hurtful aspects of disability is the knowledge that patients no longer have control over what’s happening to them. The loss of “personal power” can be devastating as insureds begin to realize they can’t control their inability...
Be Aware – Unum Grossly Misrepresents Policy Provisions
Unum Group and its claims representatives have been misrepresenting policy provisions for quite some time, particularly when it comes to the older policies where “rights and privileges” can be read into nearly every provision in bad faith. There is one...
