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.
Unum – Checks Late Already
This is just a reminder that Unum Group seems to have a problem with getting checks out on time during the holidays. Claimants/Insureds already reporting late checks and we haven’t even reached the holiday yet. It is expected that in addition to Unum’s disorganization, COVID-19 may be the cause of late checks over the 4th of July...
Unum Claimants – Nickel & Dimed
This is just a reminder that Unum is once again scraping the bottom of the barrel for SSDI overpayments to successfully queeze the last nickel and dime from its claimants. For the last month or so, Unum has been sending out letters requesting claimants send one of three sources of information about SSDI. This is Unum’s second wave of...
Unum – Policy? What Policy? Can’t Find It! Don’t Have It! But, “Reconstructed It!”
One of the worst things UnumProvident ever did at the time of the 1999 merger was to do away with the “policy room”, which was a paper accumulation of original policies sold to employers and insureds. Eliminating original copies of policies, particularly the newly gained Provident/Paul Revere originals was a major error on behalf of...
Procrastination To File IDI Claims Raises “Late Filing And Prejudice” Issues
Those who have IDI policies, (non-ERISA), and delay filing initial claims, risk getting paid for prior periods even when the definition of disability has been met for total or residual disability. The idea that because the policy is IDI, and not subject to federal jurisdiction does not mean that insureds can decide on their own when to file....
Has There Ever Been An Investigation For Insurance Paying Off Doctors?
I received this question several times this week one specifically asking whether Unum pays-off its doctors. I think it’s fair to say that the insurance industry routinely “pays-off” its reviewing physicians all the time, and they do it on the table. Specifically, with reference to Unum, I consider all of its internal medical...
Thank You To Readers And Callers In Difficult Times
I want to thank all of the insureds who call me with their questions as well as DCS Clients who place their trust in my services and abilities. Many of my clients have been with me for more than 10 years and have reached maximum duration of claim. Yesterday to my great surprise I received a dozen roses from an insured who called me with his...
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