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.
Golf Is NOT A Disability Sport
The number one question I am always asked about activities and surveillance is whether or not insureds can play golf. Although my answer is always “No”, not everyone follows good advice, and unfortunately claims are denied as a result of headstrong decisions to place their disability claims at risk. Golf is perhaps the most popular...
The Hartford – Argumentative, Aggressive And Arrogant
Recently, several claimants reported to me that The Hartford denied their claims, without any warning, and proceeded to be as rude as possible during the “notification” phone call. I’m really sorry claimants have to go through this, but The Hartford’s behavior doesn’t suprise me a bit. The Hartford has always been an...
Functional Capacity IMEs – Another Trap
Functional Capacity Evaluations are a “type” of Independent Medical Examination that measures your physical ability to stoop, stand, walk, bend, reach, lifting, finger movements etc. The result is written within the functional capacity definitions of “sedentary, light, medium or heavy” functional capacity, each having its...
Independent Medical Evaluations
Insurance companies are once again utilizing the IME provisions in disability policies, therefore, I thought perhaps a reminder of a few important facts would be a good idea. Have you ever heard the expression, “Those who can’t DO, TEACH?” This is certainly true of most IME physicians, some of which have very impressive...
Financial Reserve Is Key
Most people would tend to think that the medical merits of any disability claim depends on the seriousness, or nature of the impairment. But, disability insurers are NOT Social Security, for example, that sets presumptive as a standard for approval timing. In fact, everything that goes on with a disability claim has to do with its...
Reminder Of Summer And Holiday Surveillance.
This post is a reminder of summer investigative activity, most notably, surveillance. We are coming up on the 4th of July holiday when some insureds might be tempted to push the envelope on restrictions and limitations. It would be in everyone’s best interest if caution was the name of the day for the rest of the summer It has come to my...
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