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.
“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...
Holiday Hungry Vulture Denials From Insurers Strike Down Medical Information
Insurers’ end-of-the-year claim denials are in full swing, and desvastating to those who have no financial assistance for the holidays. Reasons for the denials appear to be first and foremost “not persuasive medical information”, or mental and nervous therapists and treating physicians throwing claimants/insureds under the bus...
Insurance Physicians Practice Voodoo Medicine by Linda Nee
There’s an old saying, “If someone can’t do their job, they should teach.” Insurance companies typically hire physicians, who for whatever reason, can no longer perform clinically but want plush jobs paying big money. Insurance medicine, including IME physicians is a multi-billion dollar a year industry. Once employed or retained by any...
SSDI Overpayments – The Right Thing
Most people who read Lindnee’s Blog contact me because they know I will always tell them the truth about their claim situations and because I have the knowledge and experience to provide accurate answers. This is one of those siutations. I seem to be hearing a lot lately from claimants who either did not give back their SSDI retro-active...
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