ROADMAPS TO CLAIM SUCCESS
Leaving work because of a medical disability can have a tremendous physical and emotional impact on anyone. In fact, making the transition from working in a chosen career field to total or partial disability is a major life event that often requires knowledge of disability contracts and investigative claims processes. Disability Claims Solutions, Inc. is here to help.
As a company, Disability Claims Solutions, Inc. provides insureds 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.
DCS, Inc. maintains excellent relationships with treating physicians and specialists who support patient disability. Insureds and claimants ultimately benefit from the teamwork of physicians, specialists, and employers, in combination with expert consultation and advice.
If you are interested in coming on board as a DCS client, or finding out more about Linda’s services available to you, please feel free to contact her using the information below.
Visitors are also welcome to view Lindanee’s Blog.
KEY SERVICES – Disability Claims
-
Initial Applications for Both ERISA and ISI Claims
-
Recommendations for Medical Reporting
-
Independent Medical Evaluations Counseling
-
Contract/Policy Review Audits
-
Objective vs. Subjective and Self-Reported Claims
-
Any Occupation Investigations
-
Residual Benefits and Return to Work Recommendations
-
Surveillance Counseling
-
Targeted Impairments – FMS, CFS, Lyme disease, HIV
-
Long-Term Care Claims
-
Management of Update Forms
-
Field Visit Preparation
-
Counseling for Work Hardening Programs
Linda Nee’s Blog
Where there are solutions, there are no problems.
Holidays With No Money – Late Checks
We are quickly approaching the holiday season and that could mean delayed checks and late benefits from insurers. While Unum by far has the most difficulty in getting checks out on time, hardships over the holidays from not receiving benefits on time can happen to anyone. If you are receiving paper checks in the mail, I strongly recommend that...
Adjusting To The New Insurance Normal
The claims process for private disability changed. It happened so silently, and covertly, that claimants and insureds failed to notice subtle changes in communications and how insurers have tightened the reigns to make denying claims easier, more efficient, more credible and more difficult to reverse. While insureds continue to presume medical...
Medical Proof Of Claim Not Sufficient
So far this year I’ve written at least four articles about medical “proof of claim” I thought were going to be very popular and helpful. In reality, these very informative medical articles were not popular since insureds opted to read writings on more incidental topics they believe will help them with their claims. There were no...
Top Five Worst Disability Insurers For 2019 By Disability Claims Solutions, Inc.
Based on business calls and other consulting business, connections with attorneys etc., the following are the worst disability insurers in the country. Unum Group – Unum’s inability to adopt patterns of practice to include fair and equitable claims review continues to identify the company, as John Garamendi in California...
Don’t You Believe It! Unum Field Visits And Other Prevarication
Yikes! Insureds are calling DCS with reports of, well….let’s say “untruths” Unum is using to get people to agree to field visits. Deception appears to be the name of the Unum game lately. G4S, Unum’s investigators are certainly going all out, as well as Unum’s finest claims handlers, who are still telling...
What You Respond To On Questionnaires
As a disability Consultant, I have always recommended that insureds and claimants request communications from insurers in writing. Despite this common “best practice” many insureds continue to communicate directly with claims reps, and/or OVERWRITE answers to questionnaires and inquiries. Those who don’t listen to the people who...
Not sure where to begin? Fill out this short form and Linda will be in touch to discuss the details of your situation.
