Living With A Disability Claim – Kindness Counts!
Today, it almost seems as though we live in a convoluted world where everything said and done seems to be offensive to someone. This is especially true for those who live in a world made up of fear, pain, and depression resulting from disability. What I’ve...
Under The Magnifying Glass – Editorial By Linda Nee
It has never occurred to me that insureds, especially those who are considering retaining my services, conduct investigations of me, suspiciously trying to challenge my credibility. Not once in the last 20 years have I ever pulled a credit rating or checked out any...
Physicians Who Walk Around You To Insurers
Most treating physicians really care about you and your disability. They and their staffs spend extra unbilled time to meet the requests of insurance companies, and generally assist insureds in every way they can. However, treating with physicians who have your best...
Unum’s Deceptions – The Truth Is The Truth Regardless
Although it’s quite common for insurance companies to misrepresent Plan and policy provisions, it’s becoming more common for claims handlers to cite provisions from Plans and policies saying one thing, and then alleging it means another. I find this...
Unum Rep Resorts To Fear Mongering To Obtain SSDI File
Recently, I spoke with an individual who received a letter from Unum that really was “the ghost from hell” letter. The letter itself was 8 pages in length consisting of one regurgitation of policy provisions after another. The issue was that the claimant...
Complacency Does Not Equal Claim Success!
The definition of “complacency” taken from the Webster Dictionary is: ‘self-satisfaction especially when accompanied by unawareness of actual dangers or deficiencies.’ “If I don’t challenge my insurance company or make waves,...
The Standard’s Questionnaires – A Cautionary Tale
I had an opportunity to review one of The Standard’s questionnaires, and like many other insurers’ forms, exceeds the limits of insurance investigation in a deceptive way. As always the wolf is hiding in sheep’s clothing in order to mislead insureds...
Treating Physicians Demanding Functional Capacities Evaluations
Part of the “new normal” for 2020, already evidenced by several claims I’ve reviewed, is the recent tendency of treating physicians refusing to complete “Functional Capacity” sections on update forms without the result of formal FCEs....
Surveillance Under Way – Be Sensible And Watchful
Several insureds have recently reported to me that they either are, or have been, investigated by insurance surveillance agents. In one instance, surveillance investigators went right up the insured’s door, knocked and demanded to be let in. This situation put...
“I’ll Take A Lawn Chair And A Beachball”
Here is another article I wrote about Unum’s history of paying claims. Unum’s history is a matter of public record now, and is nothing to be particularly proud of. All corporations provide employees with some type of incentives whether in the form of...
Insurance Companies Do Not Advocate For You
One of the issues I was made aware of in 2019 and more recently is the ongoing trend of claimants and insureds to consult claims handlers for advice on how to manage their claims. “I need to stop working” four months from now, can you explain to me what...
Unum’s Release Point – Out Of Plan One Week Timelines?
Two of the most important ERISA Group Plan provisions require claimants to submit medical and all requested information “at their own expense” and “within 30-45 days of it being requested.” This is very much a standard provision in all group...
DCS Clients – Please Read My Emails!
Just a reminder that I sent out a DCS, Inc. client email that is very important for 2020. Please open and read all of my emails, but this one in particular is very important for you to know. If you are a client and did not receive my most recent email, please let me...
Where Do We Go From Here? Take The High Road To Success!
There are now 2185 posts in 184 categories on Lindanee’s Blog. DCS, Inc. has 216 followers for the blog, and 226 for comments. On an average day 1,000 articles are read. I think it’s fair to say that nearly every topic connected with disability claims has now been...
“Where The Heck Did You Get That From? An Editorial by Linda Nee
So many insureds with disability claims are pulling Plans and policies from aging boxes in their attics and are attempting to make sense of what they say. Unfortunately, insurance policies have never been known to be “self-explanatory” and therefore there...
Ending 2019 On A Positive Note
Here we are within a week or so of a new year. I want to take this opportunity to wish everyone the best of holidays and a Merry Christmas! Although it is very hard at times to keep focused on the positive when it comes to disability claims, the truth is that...
Unum Managers Coax Others To Send Nasty Messages Through DCS Website
Today I received four nasty, personally attacking consultation messages through the website from Andrew Paladino, Mike Murphy, Gary Bryan and Jenny Feeley. I really have no idea who these people are since I haven’t worked for Unum in over 20 years and doubt very...
“What Am I Doing Wrong?” Truthfully? OK, Here It Is!
There are literally thousands of disabled insureds who wake up each morning with stress pains in the pit of their stomachs. The uncomfortableness continues the entire day, reaching a crescendo in late afternoon until the insured either picks up the phone to reach the...
“Red Flags” And More Red Flags And Red Flags Again
All insurance companies pinpoint criteria in claims they feel is “suspicious”. Therefore, I thought it a good idea to be clear about situations that cause insurers to off the deep end.Authori Alteration and/or white out appears on the claim...
Incontestability And IDI Claims
Incontestability provisions in IDI policies actually provide insureds with a time value “statute of limitations” preventing insurers from cancelling policies due to misrepresentations at the time of underwriting. Additionally, incontestability...
