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.
Unum’s Gonna Get’ Cha
During the last several years of CO_ID, insurance companies engaged in very little risk management, stealth, or deception. You might say they gave everybody a break. BUT, the gloves are off, and Unum, in particular, is giving insureds and claimants a really hard time. And, not just with their risk activities, but with their unfounded threats to...
So, What’s Going On at Guardian?
Insurance companies are indeed back to their pre-CO_ID tricks and are applying a “no mercy” risk management strategy of “going after insureds” regardless. While insureds may have enjoyed a “hands off” away from harassment in the last several years, there’s no doubt but that insurers are currently...
Field Visits Aren’t A Game
I can’t believe in this day and age that claims handlers are still trying to sell field visits as “benign conversations, to better manage disability claims.” I’ve spoken to two Guardian claims handlers recently who fell over themselves trying to convince me how “harmless” these visits are. Of course, this...
End Of First Quarter Confusion
This is a reminder that we are headed toward 1st Qtr. profitability for the insurance industry. It appears that most insurers are focusing on paper update forms, but can’t find them once they are sent in. The overwhelming paper chaos plaguing the industry continues and will likely have dire consequences for profitability at month-end. I...
A Disorganized, Chaotic, Cluster Trucker Mess At Unum
After several hours of trying to reach a warm live body at any insurance company, I focused back on Unum to locate a claims handler for a client claim. We had questions. The claim had already been assigned to three claims handlers, one of which had a heavy foreign accent and had difficulty communicating. Once I finally found myself speaking to...
Blast From The Past -“Unum Life Gaslights Its Employees”
At this particular time, Human Resource functions were split between two separate departments—UNUM America HR (payroll, and all HR functions for non-executive personnel), and Enterprise HR (HR functions relevant to the CEO, Jim Orr III and the top 26 Senior Vice Presidents.) I worked for Enterprise HR and was an employee of Unum America. As an...
Not sure where to begin? Fill out this short form and Linda will be in touch to discuss the details of your situation.
