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.
Underwriting And Incontestability – A Real Issue
One of the most investigated issues dealing with IDI claims is “incontestability”, a provision in nearly all IDI insurance contracts preventing insurance companies from rescinding policies in effect more than two years because of misinformation. Incontestability also prevents dishonest persons from making false claims during the...
What File Review Actually Looks Like
Insurance companies are continuously sending out letters to insureds stating,“We are currently reviewing your LTD disability claim and have determined we need additional information”. This one sentence seems to cause a great deal of stress and anxiety because claimants really don’t know what “reviewing” really means. Let’s...
Pay Back The SSDI Overpayment
Attorneys are sharing with me that they are receiving quite a few calls from insureds asking whether they have to pay back their SSDI overpayment to insurers. While it may be understandable on some level due to our horrible economy, DCS has always taken the view that when insureds sign a Payment Option Form and promise to pay back the money...
The AFLAC Quack
In the 25 years I’ve been managing disability claims, I’ve run across AFLAC on several occasions. In my opinion, AFLAC is one of the worst insurance companies simply because they don’t cover much. Some insureds believe the company covers total disability when it is nothing more than coverage for an occasional broken leg. In my...
Claimify
Despite my previous posts about Claimify, I received as many as 20 calls this past week from claimants who were still unsure of what to do with the company’s requests for SSDI information. It seems as though both Unum and Lincoln are using Claimify to chase after SSA Authorizations. After the first few, I began to realize that the major...
Don’t Wait Until It’s Too Late
Recently, Unum placed a claim on its 1st Qtr. target list, but the claimant waited until last week to contact me. Before I could begin to assist, Unum denied the claim. It was just too late. The objective of a Claims Consultant is to assist in supporting the claim to ensure continued payment of benefits. It is really regrettable that some...
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