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 Where Do Disability Insureds And Claimants Go From Here?
Disability insureds have seen tremendous changes concerning the manner in which insurers review and pay claims. While the majority of change was due to COVID and the necessity of handling increased claims without mounting losses, the truth is that disability insurers had already cut-back overhead to meet financial needs long before the...
A Unum Blast From The Past – 1994-1996 History
From 1994-1996 Human Resource functions were split between two separate departments—UNUM America HR (payroll, and all HR functions for non-executive personnel), and Enterprise HR (HR functions relevant to the CEO, Jim Orr III and the top 26 Senior Vice Presidents.) I was an employee of Enterprise HR department working directly with the VP of...
Can Anyone Help Me? by Linda Nee
Can Anyone Help Me? Martha kissed her two small children goodbye and watched them closely as they ran toward the school bus, lunch boxes flailing, backpacks slipping off their small shoulders. It was a beautiful day in rural Maine. The sun glistened through the kitchen door and onto Martha’s small kitchen where she kept her collection of crystal...
When Insurance Companies Cross The Line
All insurance companies have a legal, contractual accountability to perform all duties under the terms of the policy and to pay those claims that should be paid and deny those claims that should not be paid. In the performance of these duties all insurers are required to review claims with “good faith and fair dealing.” If disability insurers...
Disability Management Services – Can We Call “A Thing, A Thing”, Please?
Disability Management Services, or DMS may be playing a “word game” that could cost an insured $1M in lump sum disability payment. As third-party adjudicators of Lloyd’s of London insurance the company has a strategy hook I think insureds need to know about. Lloyd’s policy defines disability as follows: “Permanent...
Guardian Has Gone Rogue – Unfair And Untimely
Those who are waiting for Guardian to make swift liability decisions, may still be waiting a year from now. Since the Berkshire/Guardian merger some time ago, the company evolved into a paranoid, confused, over-investigative resource that is causing havoc with IDI insureds. Guardian, primarily an IDI non-ERISA reviewer, is also managing...
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