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.
“Comorbidity” And It’s Deliberate Omission From The Claims Process
Two of the most commonly misused insurance terms are “Mortality Values” and “Comorbidity.” Actuarial “mortality values” are used in the Life insurance underwriting process where hazards and perils are charted with sex, age, gender etc. to determine premium for Life insurance policies. “Comorbidity”,...
Do Roundtables Still Exist? “Yes, But Oh So Quietly And Undocumented”
As I’ve written so many times, insurance companies are constantly focusing on “setting up” insureds with documentation that any prudent person could read and agree insureds should not be on claim, but working. Every day insurers are putting something in your file stacking the deck for future denials. The problem is, while...
Criteria That Must Be Met In Order To Have A Paid Claim In 2020
I know there must be a few Lindanee’s Blog readers who think, “I’ve got this covered, Linda. We don’t need any help.” And, that might very well be true. However, unless insureds are particularly skilled in managing disability claims, moving forward in 2020 might prove to be more difficult than you think. Here is an...
Please See The New Tab for “NCDI”
Please do not forget to periodically check out the new tab at the top of the Home Page for new NCDI information. If you have links or articles you feel would be interesting to others, please send them to me for inclusion on this page. Thank you!
Friday Q & A On Sunday
Why do we not use the GAF (Global Assessment of Functioning) scale anymore? GAF was removed from the DSM-5 in October, 2018 and was replaced with WHO DAS 2.0. The DSM-5 is the Diagnostic and Statistical Manual for Psychological Disorders that replaced DSM-IV. In my opinion the GAF score was a better pairing for disability claims, and most mental...
TBI Claims – Refusals To Pay!
Although Traumatic Brain (“TBI”) impairments are quite common, disability insurers are reluctant to pay for cognitive impairments that are alleged to be “subjective” and “self-reported. TBI can result in speech, ambulatory, muscular control, aphasia, and auditory symptoms that prevent insureds from returning to...
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