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.
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...
Bad Faith Is Hard To Prove
The laws in most states imply a duty of good faith and fair dealing on behalf of the insurance company. This duty requires the disability insurer to act reasonably in the handling of claims submitted to them by insureds and claimants. Even though disability polices do not contain specific language in the insurance policy concerning the duty of...
It’s A Mess Out There
If you’ve recently tried to work through the menus, or customer service lately you know how disrupted and chaotic the claims process really is. It’s no longer an issue of “lateness” or “waiting in line”, but issues surrounding the accuracy of information provided, or not being provided with information at all. Most insurers no longer have a...
A Bit More Harassment
Apparently, Unum has a new strategy of phoning insureds several times to “remind” them they have paperwork due. I really don’t know what the purpose of that is since most insureds DO turn in their paperwork on time. Is this just to give their claims handlers something to do? I’ve heard that all claims handlers for all insurers have more than...
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