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.
Communication Skills – Emails Have No Tone Of Voice
Today, every one sends emails about everything. Email to family, friends, enemies, chat rooms etc. Although businesses give lip service to not using emails, they instead created “secure” portals to communicate by email nonetheless. Electronic communication developed into a form of communication that can make or break...
“Unable To Perform” vs. “Limited From Performing”
Although there are two basic ERISA Plan definitions of disability, claims handlers ignore the major differences in Plan language between “unable to perform material and substantial duties”, and “limited from performing material and substantial duties.” Of course, it’s to the insurers’ advantage to blip...
Demanding Surgery As “Appropriate Care”
Somewhat connected to the previous post is the issue as to whether an insurance company can threaten to deny benefits unless you have surgery. Think about this. If an insurance company could force insureds to have surgery, they could potentially kill a lot of people! This is why it is entirely inappropriate for any insurance company to...
Regular And Appropriate Care
Although I’ve written several articles on “Regular and Appropriate Care”, the long buried issue of Unum’s CXC Employer Plans is once again showing it’s face in the review process. In the mid-90’s and earlier, Unum’s Group LTD Plans were issued as series XL or XLL. You can find this designation from the...
Disorganized, Inefficient And Late
Although I’ve written about the current chaotic state of most insurance companies, I wonder just how seriously insureds accept that information and run with it. Have you tried to contact a claims handler recently? Or, has your insurance company sent out a second request letter alleging it didn’t get your paperwork? Well, that’s...
The Latest In A Long Line Of Scams
Given my 25 year experience managing Unum claims, it’s been true that there is NOT much Unumm wouldn’t do in order to show positive profitability at the end of a quarter. I’ve lived through 90 Codes, integrating ERDs with financial reserves, managerial policies to code pre-emptive SSDI awards, you name it, in my opinion...
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