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
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Initial Applications for Both ERISA and ISI Claims
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Recommendations for Medical Reporting
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Independent Medical Evaluations Counseling
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Contract/Policy Review Audits
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Objective vs. Subjective and Self-Reported Claims
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Any Occupation Investigations
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Residual Benefits and Return to Work Recommendations
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Surveillance Counseling
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Targeted Impairments – FMS, CFS, Lyme disease, HIV
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Long-Term Care Claims
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Management of Update Forms
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Field Visit Preparation
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Counseling for Work Hardening Programs
Linda Nee’s Blog
Where there are solutions, there are no problems.
Donations Accepted 2024
In 2024 DCS, Inc. already received several kudos for the quality of information obtained on Lindanee’s Blog. Testimonies from insureds include being able to manage claims successfully by themselves rather than hiring someone for assistance. Given that’s true, my website will continue to have a “donate” button for those who...
Individual Disability Income Policies
There is a growing trend of insureds with IDI policies who do not have a good understanding of what the policies insure and what they do not. While the contracts set criteria for “disability”, the larger definitive umbrella defines “loss of income” as the first determiner of benefit eligibility. In other words, in order...
Rescinded – Now What?
Individual Disability Income polices can be rescinded for several reasons such as failure to pay premium, and inaccuracies, knowingly or otherwise, written on application forms. “Rescinded” basically means terminated, or lapsed. Sometimes it can come as a surprise to insureds when they never intended to end their coverage. The...
Surveillance Isn’t A Harmless Thing
Although I’ve written many articles about insurance surveillance, I often get the feeling insureds may read the articles but then settle back with a “Ho-Hum” apathy that often gets them in trouble. Disregarding the high volumes of information now available for all to see, here’s a reminder of what what the majority of...
All The Way To South Africa? Unum Offshore
Insurance companies clearly are not operating in any organized, centralized way. The disability claims process, whether we like it or not, has evolved into a totally disorganized “cluster-duck” in most cases, not even primarily located in the United States. For whatever reason, and I’m guessing it’s financial, disability...
Ready For 2024?
Contrary to what most people might think, the Dishonest Age of Disability insurance is likely over. If you think about it, Unum’s Multi-State Settlement took place over 20 years ago. CIGNA disability doesn’t exist anymore, and in my opinion, insurance companies aren’t centralized enough to be engaging in deliberate bad faith on...
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