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.
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...
How Disabled Do I Need To Be To File A Claim?
Most people who believe they are claim disabled usually dig out their Plan or policy from the attic and look for the definition of disability. From that point on, many mistakenly attempt to fit their medical situation and circumstances into what they interpret and believe the policy says. I have never communicated or taught insureds this...
Holiday Surveillance
Sometimes it’s hard to imagine that insurance companies would conduct surveillance with the intent of gathering information to deny your claim by year-end. However, it’s at this time of year that insurance surveillance is the most used activity of risk management. Although it might be tempting to push the boundaries of restrictions...
“The Application Process” White Paper
Please be advised that I’ve written a 9 page White Paper on “The Disability Application Process.” While most of the articles here presume a longer claim history, it might be helpful to have information on the Application Process for those who are just beginning with their disability claim. If you wish to have a copy of the...
Health Insurance Takes Second
Most people will say they are “all set” when it comes to health insurance related issues mainly because while disability insurance in “an all-in your pocket assumption”, health insurance is an all out of pocket expenditure including co-pays, deductibles, coinsurance and maximum yearly out of pocket expenditures. It would...
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