Disability Claims Solutions, Inc. provides insureds across the USA with resources to make better decisions concerning ERISA Group STD/LTD claims, as well as Individual Disability Income benefits and Long-Term Care. Having the opportunity to work with an expert consultant, such as Linda Nee, provides insureds with valuable procedural options to work through problematic issues in successful ways.
Our focus is to resolve problems, not wrestle with conflict. Call Linda Today!

Disability Claims Solutions

Disability Claims Solutions, Inc. provides insureds across the USA with resources to make better decisions concerning ERISA Group STD/LTD claims, as well as Individual Disability Income benefits and Long-Term Care. Having the opportunity to work with an expert consultant, such as Linda Nee, provides insureds with valuable procedural options to work through problematic issues in successful ways.
Our focus is to resolve problems, not wrestle with conflict. Call Linda Today!

Thank You To Readers And Callers In Difficult Times

I want to thank all of the insureds who call me with their questions as well as DCS Clients who place their trust in my services and abilities. Many of my clients have been with me for more than 10 years and have reached maximum duration of claim. Yesterday to my...

read more

Making Wrong Decisions That Will Cost You

Lately it has come to my attention just how many people are using the content of Lindanee’s Blog to manage their claims. I’ve come to know this because eventually many of the same insureds find it necessary to call me and ask for help. Although I have said...

read more

Unum Targets HIV Old Age Claims

Within 7 days from the end of 2nd Qtr. we can easily see where Unum is focused. I’ve received several phone calls informing me that Unum is targeting HIV, near maximum duration claims. Although Unum has always denied individuals on claim long-term, this...

read more

Physicians Sitting On The Fence – No Benefit To You

In order to have a successfully paid disability claim all treating physicians must agree to support your disability by writing medical restrictions and limitations that preclude you from working. No medical support….no disability claim. Of late, I’ve...

read more

Eliot Spitzer – A True Advocate For Insureds

I’ve been receiving questions about Eliot Spitzer lately; frankly I don’t know why, but it’s a very interesting story. Attorney Spitzer was the Attorney General in New York (1999 – 2006) who was just short of bringing criminal charges against...

read more

Disability Claims vs. Narcissistic Personality Disorder

In the course of assisting insureds with their disability claims, I’ve discovered, sometimes unfortunately, that having disability claims in combination with narcissistic outlooks and behaviors on the part of insureds, often cause claims to be untimely, and...

read more

Unum – You’ve Got To Be Kidding Me!

I called Unum today and its voice mail included a notice informing callers that not all COVID-19 claims will be paid. Why would Unum put a notice like that on its menu service? Obviously, the company is trying to discourage people from filing COVID-19 claims, which...

read more

Prudential’s Future IMEs. What A Waste Of Time!

It came to my attention today that Prudential is pre-scheduling IMEs for future dates as if the company has a crystal ball and can predict an end to COVID-19 and a return to normal living. The claims handler I spoke to regurgitated the company’s line when she...

read more

Friday Q & A On Saturday

How can I coordinate Worker’s Comp and STD? There isn’t anything to coordinate since 99% of Employer’s STD Plans won’t pay for on the job work accidents payable through Worker’s Comp. It is usually and either-or situation. For LTD,...

read more

Unfortunately, That Ship Has Sailed…

Lately, I’ve been contacted by several claimants with recently denied claims asking for my help. I know I’ve written about this before, mainly to encourage claimants and insureds to contact me BEFORE claims are denied and not AFTER. Most of my readers may...

read more

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...

read more

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?”...

read more

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...

read more

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...

read more

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...

read more

“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...

read more