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.
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...
What’s Up Doc?
If the physician medical documentation and reports I’ve been reading lately is typical for treating physicians these days, claimants/insureds may have a problem keeping their benefits paid in the future. Not only are physicians spending less and less time filling out forms, but when they do, the forms are shoddily completed and lack...
Another Q & A 7/21/2020
Do I tell my agent I’m retiring? What for? Insurance agents know enough about disability insurance to sell and deliver policies, and not a great deal about the claims process. Some insureds tell me that their “agents” are like friends of the family and come to dinner every now and then. That’s OK, as long as your insurance...
Friday Q & A
Do I have to resign when I go out on disability? This is the #1 question asked on Lindanee’s Blog and I have several good articles about the subject. Therefore, please do a “Search” from the Home Page for Resignations and read the other articles. In brief: Never resign, or give a written resignation when leaving work because of...
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