

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 “Objective Evidence” Scam – Important
Yet another ruse used by disability insurers is the scam that alleges that “objective evidence” is required as proof of disability. To begin, let me say that there is no disability Plan or contract on this planet I am aware of that requires “objective evidence” as proof of claim. Surprised? Don’t be. Your Plans and...
The Insurance “What Changed?” Defense – Extremely Important
One of the most ridiculous and seemingly unfair tactics of insurance companies is to ask insureds:”Since you have been working with restrictions and limitations in the past, what changed?” The allegation has been used and documented for 25 years with little success by all insurers. The presumption here made by the insurance company is...
Unum Is Out Of Control With Denials
I heard about another Unum denial today and I am so sorry to hear of all the denials that are taking place to garner Unum’s 3rd Quarter profitability. This really brings me back to pre-Multi-State Settlement days and the harm this company caused to thousands of insureds. I want to also say that once any insurer denies a claim, I have to...
Neurology, Unum Group, And Migraine Claims
Lately, the scuttlebutt among legal and consulting circles is that Unum is out of control – again. Personally, I don’t think it’s just Unum, I am of the opinion that all insurers have left the realm of file review sanity. Still, reports of Unum “migraine headache” denials in the last six months have circulated...
Reliance Standard’s Falsehood Agenda
Like most business dealings there are rules which dictate “fair and honest dealings between parties. Although some might think the disability insurance industry doesn’t have any rules, that’s simply not true. ERISA reviews are held to standards of “fiduciary duty” and are guided by the NAIC (National Association of...
Living With A Disability Claim – “I Just Can’t Do This Anymore!”
There is a growing number of insureds and claimants who recently shared with me their frustrations with the disability claims review process after a period of time and working through the system. The requirement of having to submit frequent medical updates, fill out questionnaires, answer questions, and be fearful of IMEs and ultimate denials...
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