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.
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...
Unum Refuses To Overturn Denial On Appeal Of IDI Residual Disability Based On Earnings – Urgent Read For IDI Insureds
As we are all aware, in the last several years Unum began reversing several of its claims management tactics for IDI claims. Probably seen as beneficial boosts to profitability, Unum’s calculations regarding “Residual Disability obviously are not now what they used to be. First, let me say that ALL IDI disability contracts are, in a...
Is Your Insurance Company Gaslighting You?
Apparent in our current insurance industry is a growing percentage of disability claim insureds who seem to accept, and act upon, perceptions about disability claims, after having been “gaslighted” by the very companies they depend on for financial support. “Gaslighting”, taken in the context of insurance and disability...
I Don’t Get That Rationale At All
Last week I received several phone calls from insureds who told me basically the same thing: “I contacted several attorneys early on, but I didn’t want to pay them anything until my claim was actually denied. Now it’s denied what do I do?” Well, that’s really unfortunate since no one with a disability claim should...
Friday Q & A -5/15/2020
How can I coordinate Worker’s Compensation and my STD payments? There is generally nothing to coordinate. Usually, STD Plans will NOT pay claims if the claimant has or will file for Worker’s Compensation. Employers may play “Gotcha!” by insisting you apply for WC when they already know you can’t get STD if you do....
COVID-19 Updates – 5/8/2020
Insurers Back On Deadlines In the last week or so it is evident that most insurers are back to their normal practices of harassing insureds to meet deadlines when in some states it remains impossible to do so. DCS recommends downloading treating physician’s website page notifications that have posted lock-down instructions and sending them...
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