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.
Pre-Existing Conditions by Linda Nee
Nearly all group LTD polices contain some type of pre-existing condition provision. These provisions protect the disability insurer from paying claims for conditions that existed before insureds became effective on the current policies. There are many types of pre-existing condition provisions, 6/12, 3/12, 6/12/24, 6/12/12 etc. The pre-existing...
What Everyone Should Know About ERISA Appeals – Part I
The purpose of this article is to be an educational and informative resource to private disability insureds interested in obtaining basic information concerning “Appeals”. It is not intended to be legal advice. DCS, Inc. refers all of our clients with disability claim denials to experienced, successful attorneys who can provide legal advice...
Merry…..Surveillance In The Everygreens?
Just a quick reminder that surveillance teams are out in full swing trying to locate early shoppers carrying parcels, walking malls, and putting grandkids on Santa’s lap. Remember, the new normal of disability claims investigation includes activities checks with your neighbors, placing surveillance equipment on neighbor’s homes, and...
“Targeting” Claims For Year-End Denial -What Does “Targeting” Mean?
Articles appear everywhere on the Internet accusing disability insurers of “targeting” claims. “Do insurers really do that?”, I’m frequently asked. Sadly, the answer is, “Yes, they do, and they’ve nailed it down to a science.” Unum and CIGNA are perhaps the only companies that have been publicly...
ERISA “Any Occupation” Investigations
Employer sponsored group Plans nearly always contain a definition of disability which includes the following: “After 24 months claimants must be unable to perform the material and substantial duties of ANY occupationfor which he has training education and experience.” (There are 12, 24, 36 and 60 month any occupation plans.) Twelve month any...
Chronic Pain In The “New Normal” Disability Claims Process
By far one of the most frequently abused impairments by disability insurers is “chronic pain.” Classified as self-reported and “subjective”, insurers tend to reject claims with a primary diagnosis of “chronic pain”, ICD-10 code G89.4. “Chronic Pain Syndrome” is immediately identified as...
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