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.
So You Want To Speak Directly To An Insurance Company?
Part of the training of your average claims handler includes something I call SIL, or “selective interpretative listening”. It is presumed by the industry that there is a difference between what insureds actually say, and what the words mean in terms of risk management of disability claims. So while insureds chat along on the phone...
My Doctor Won’t Cooperate. What now?
Disability insurance companies deserve high marks for intimidation of treating physicians, and, they’ve been doing it for a long time. For years, treating physicians were cooperative with insurers and basically gave in to requests to return their patients to work until it became evident their opinions were disregarded by insurance...
Objective vs. Subjective Proof of Claim
One of the most important criteria used by insurance companies to deny claims, or I’m sure they would say, “evaluate claims”, is to apply the Objective Evidence Standard even when very few actual insurance policies/Plans require the Objective Evidence Standard as Proof of Claim. This issue is probably the most misunderstood...
The Importance Of Functional Capacity In Private Disability
If I were to ask my readers what they thought the single most factor is to a successful claim review, most would probably respond, “Restrictions and Limitations”. However, that’s not the case. FUNCTIONAL CAPACITY for work is THE most important factor to have on your side to assure the best successful outcome for the duration of...
Life Insurance Losses Increase Disability Claim Risk Management
Many of you know that I’ve maintained my connections with attorneys, who when I touch bases with them, share information from their experiences as I do as well. In most instances I share that information with my readers and clients. Recently, I’ve been hearing from my legal contacts that nearly all insurers have increased their risk...
Prepare For Summer Surveillance – It’s Out There
Summer is on the horizon and so are up coming holidays such as Memorial Day, Fourth of July and Labor Day. To say that visual surveillance will certainly be out there is probably an understatement. Although I’ve written many detailed articles about surveillance, I often get the impression they are the least read. I think, though, in this...
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