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...
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,...
