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 – You’ve Got To Be Kidding Me!
I called Unum today and its voice mail included a notice informing callers that not all COVID-19 claims will be paid. Why would Unum put a notice like that on its menu service? Obviously, the company is trying to discourage people from filing COVID-19 claims, which actually could cause chaos at Unum. For example, what if you were tested for...
Prudential’s Future IMEs. What A Waste Of Time!
It came to my attention today that Prudential is pre-scheduling IMEs for future dates as if the company has a crystal ball and can predict an end to COVID-19 and a return to normal living. The claims handler I spoke to regurgitated the company’s line when she said, “We need to make sure the claim is moving forward. If there is a...
Friday Q & A On Saturday
How can I coordinate Worker’s Comp and STD? There isn’t anything to coordinate since 99% of Employer’s STD Plans won’t pay for on the job work accidents payable through Worker’s Comp. It is usually and either-or situation. For LTD, Worker’s Comp is an offset from benefits and again there is nothing to...
When You Grieve Losing Your Job Due To Disability by Linda Nee
In the last twenty years nearly every insured I’ve ever spoken to, or had contact with, describes emotional troubling times when a physical or mental disability prevents them from returning to their occupations, careers or businesses. Not only are there impairments to manage, but there is also grief about losing one’s job. If you...
Unfortunately, That Ship Has Sailed…
Lately, I’ve been contacted by several claimants with recently denied claims asking for my help. I know I’ve written about this before, mainly to encourage claimants and insureds to contact me BEFORE claims are denied and not AFTER. Most of my readers may remember that I am always writing about, “The best way to be successful...
IDI Injury vs. Sickness Provision Abuse By Insurers AND Insureds
OK, I’ll say it! All IDI insurers abuse Injury (Accident) vs. Sickness provisions in IDI policies. Nearly all IDI policies distinguish between Injury and Sickness usually by paying sickness to age 65, and injury Lifetime benefits. While most IDI insureds often pay for Lifetime Sickness and Accident Riders, there are still insureds who...
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