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.
A Cautionary Tale – Exceeding Medical Restrictions Can Be Costly, Very Costly
Over the years I’ve written many articles about restrictions and limitations and what can happen if an insurance company observes, and records, insureds exceeding restrictions, thereby demonstrating work capacity. As always, some insureds receive what I say seriously, others do not, taking the value of their claims into their own hands,...
Comment Worth Front Page
I received the following comment concerning one of Unum’s Physicians. Insureds should check out the stated credentials of those reviewing their claims. Excellent comment, and thank you! After repeated research, it appears Ms. Maribelle R. Kim, DO, an UNUM Medical Consultant, assigned to my claim is neither Board Certified nor licensed to...
Calls From Non-Clients
This is a reminder to non-clients who call DCS, Inc. with questions. I will try to return your call, but I no longer have the time to keep trying to call you back more than once. If you wish to speak to me, please inform my answering service of a time when you will be available to answer your phone. While I am more than happy to answer routine...
Long Term Care Resources – Problematic
At one time Long-Term Care insurance (LTC) was the fastest growing new block of business sold to the elderly. Insurers such as Unum and Mass Mutual quickly designed LTC packages that potentially bolstered profits while Group STD/LTD was in an unprofitable downslope. As it turned out, LTC insurance quickly became a very expensive product to pay...
Unum’s Team Approach?
An insured called me the other day to tell me he was told by a Unum representative that Unum was now using the “team approach” to manage claims and he could speak with any claim representative, possibly not the same one all the time. I’m not sure I believe this, although since this insured’s claim was in the EDU (Extended...
Prudential’s IME And Patient Note Insanity
It came to my attention the other day that Prudential is scheduling IMEs in October. Personally, I have no idea what management is thinking since not even Prudential has a crystal ball as to what will be happening 3 months from now. It may be that management is forcing claims handlers to “touch” claims now so that they do not lose...
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