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.
Those Awful Misleading Insurance Questionnaires
The insurance industry has always been a “paper” dedicated rule book beginning with state regulators and moving down to individual companies. There are often more “forms” required than needed, making the entire claims process an administrative nightmare. Included among the most tedious of insurance requests is the...
Former Clients Reconnect – Always A Pleasure
It never ceases to surprise me when former clients contact me many times after 10-15 years when they’ve long since reached the maximum duration of their claims. It is always a pleasure to speak with former clients, and I rarely forget a name. The formation of relationships that takes place over the years is something valued and treasured by...
First 104 Pages Of My Book
Anyone who is interested in reading the first 104 pages of my book please send me your email address and I will send you the first 104 pages. It’s a history of Unum’s claims paying process and contract abuse. I’d like your feedback as well. If you’re interested, please let me know. Thanks.
Accountabilities- Real And Presumed
So much is written and said about what accountability insurance companies have to the disability Plan or IDI contract. However, claimants and insureds also have obligations to enter into the contract in good faith and fair dealing. Since most “obligations” are presumed, very few writers, attorneys and advocates mention them,...
Little Known Labor Market Surveys And Why Insurers Don’t Use Them
Most ERISA readers are now well aware that “any occupation” investigations will take place between 9-18 months of paid LTD benefits for Plan change of definitions of 24 months. Although 24 months is the most common time period for any occ change in definition, there are Plans with any occupation provisions of 12, 24, 36, and 60...
Summer Surveillance Is Alive And Well
Reports of summer surveillance are already coming in to DCS with the potential to deny claims. Although I try to remind readers of increased surveillance, I’m pretty sure most insureds exceed medical restrictions sometime during the summer. The problem is Murphy’s Law also comes into play, and more times than insureds would like to...
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