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
-
Initial Applications for Both ERISA and ISI Claims
-
Recommendations for Medical Reporting
-
Independent Medical Evaluations Counseling
-
Contract/Policy Review Audits
-
Objective vs. Subjective and Self-Reported Claims
-
Any Occupation Investigations
-
Residual Benefits and Return to Work Recommendations
-
Surveillance Counseling
-
Targeted Impairments – FMS, CFS, Lyme disease, HIV
-
Long-Term Care Claims
-
Management of Update Forms
-
Field Visit Preparation
-
Counseling for Work Hardening Programs
Linda Nee’s Blog
Where there are solutions, there are no problems.
Bad Santas For The Holidays -Claims Update
All disability insurance companies recognize profitability by reductions in financial reserve. That said, year-end targeting of vulnerable claims is perhaps one of the most important priorities of an insurance company from October through December. The process of reducing financial reserves is found directly within the claims review...
ERISA “Any Occupations” by Linda Nee
As most ERISA claimants know, Employer Group Plans nearly always contain a definition of disability that includes the following: “After 24 months claimants must be unable to perform the material and substantial duties of ANY occupation for which [the claimant] has training, education, and experience.” (There are 12, 24, 36 and 60 month any...
DCS Progress And A Bit Of Marketing
In the past, I haven’t used Lindanee’s Blog to market my Consulting Services although several insureds lately suggested that I should talk more about the successes of DCS and the numbers of clients still receiving benefits after receiving my help. My writing debut began in 2001 at the height of Unum investigations by both federal and...
Here We Go Folks! Unum’s Year- End Profitability Hungry Vulture Targets Begin
Anytime “insurance” is paying a benefit you can be sure that “profitability” involving financial reserves are involved. We are slightly under two months to year-end and already I’m dealing with insureds who are battling Unum to keep their claims. Already, Unum is using doc-to-doc calls, physician medical...
Excessive Claimed Diagnoses Not A Good Idea
The tendency of insureds to claim multiple diagnoses and co-morbidity for disability purposes is often a self-inflicted risk to denial. While it is possible for insureds to have more than one diagnoses, there is a point of “reasonableness” that will be applied by insurers. Occasionally, an insured will provide me with a list of...
The Televisit “Field Visit”
An insurance “field visit isn’t exactly good news. Or, it wasn’t good news before COVID when insureds were asked to meet person-to-person for what was internally managed as “in-person surveillance.” While requests for field rep interviews continue, the manner in which they are conducted leaves some of the major...
Not sure where to begin? Fill out this short form and Linda will be in touch to discuss the details of your situation.
