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.
The Dangers Of Website Portals And Why You Actually Go There
Several years ago, most insurers designed online “website portals” as a solution to communicating with insureds by email/onliine while exercising some sort of privacy tags acceptable to HIPAA. While the idea seemed efficient at the time, website portals are now obsolete and because of COVID claims handlers have been permitted to...
Are Readers Listening, Or Am I Just A Broken Record?
Several days ago I posted an article about doc-to-doc calls, which is a very important topic for all claimants to consider. I was informed of yet another Unum doc-to-doc call that may not work out well for a claimant because the physician refused to abide by the claimant’s refusal to give authorization to communicate health information by...
Aristocracy And Using “Self-Blame” To Deny Claims
An issue was brought up with one of my clients last week that reminded me of a topic I don’t think I’ve ever written about. Lloyd’s of London, the ultimate EU royalty insurance company, takes a dim view of obesity, pregnancy, smoking, and in some cases mental illness. The aristocrats of insurance (Mass Mutual, and Guardian in...
Urgent! Nix To Doc-to-Doc Calls….What Are You Thinking?
The issue of doc-to-doc calls is something I’ve been writing about for over 20 years, including recently in an article about end-of-year unfair claims practices. Still, I’m getting phone calls from non-clients and clients telling me their physicians are speaking with insurance doctors. This is something that, with only one exception,...
Reminder – Late Checks Normal For Unum During Holidays
Just wanted to remind everyone that we are coming up on the Christmas holiday season when Unum is known for late benefit checks. Therefore, there is no reason to panic claims have been denied if benefit checks aren’t on time around the holidays. This is the only time I recommend insureds call Unum to ask, “When can I expect to receive...
Friday Q & A
I have a Lloyd’s of London disability claim that is taking more than 6 months to do a review. Is this normal for this insurer? Lloyd’s of London insurance is generally considered the “kingship” of disability products that also hefts a large premium to go along with it. Overall benefits are maxed out over $1M, and clearly...
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