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.
Full OF It
Just a quick mention to my readers that if any Unum claims handler tells you they have to speak with your treating physicians before rendering an approval, please note Unum is “full of it.” There is nothing in any Unum Plan or policy that requires a conversation with your doctor before approving claims. It’s just not true....
Properly Completed Medical Paperwork
Today, it is very important for your treating physicians to take the time to complete update forms and other reporting of medical conditions in a clear, specific and concise manner. Insurers look for very detailed information concerning restrictions and limitations and when they don’t get it, requests for medical info keep coming. While...
Friday Q&A
The Hartford never sent me forms for my annual update, should I call them and request? Actually no. You do not have to do The Hartford’s job for them. As a general rule, “Only give an insurance company what they ask for” applies here, and nothing should be voluntarily sent to any insurance company. Given the chaotic state The...
The Hartford – WHAT Customer Service?
In the past I considered MetLife to be a “raising the dead” company when it came to Customer Service, but in recent times, it looks like The Hartford is the top grave exhumation company when you want to speak to someone to ask questions or resolve issues. Having to “dig someone up” to speak to isn’t a good...
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...
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