Information recently received from insureds indicates CIGNA is indiscriminately denying disability claims at alarming rates. Like Aetna and some of the smaller disability insurers, CIGNA is identified as an insurer heavily invested in surveillance, IMEs and outsourced medical reviews. DCS, Inc.’s experience with CIGNA is that it has remained an extremely chaotic and negligent insurance [...]
Archive for the ‘Claim Watch’ Category
CIGNA – Chaotic, Confused and Cheap
Posted in Claim Watch on May 7, 2012 | 3 Comments »
Texas Outlaws Discretionary Clauses In Disability Policies
Posted in Claim Watch on March 22, 2012 | 5 Comments »
http://www.insurancejournal.com/news/southcentral/2010/12/07/115465.htm The article says there are now 23 states which have outlawed “discretionary authority”. Please also notice the organizations who “assisted” in changing the law. In the future, NCDI may also be able to become involved with such projects!
Unum Employees – Unprofessional and Sexually Obscene Posts
Posted in Claim Watch on March 1, 2012 | 12 Comments »
Recently, Lindanee’s Blog has been under attack by certain employees at Unum (past and present) who choose to send us multiple comment posts which are obscene and unprofessional. Everyday, I receive as many as 20 + posts which are overtly unprofessional and bothersome. Our first reaction was that Unum claims handlers were making the posts, but [...]
Met Life – Another “Bad Egg?”
Posted in Claim Watch, Unfair Practices on October 12, 2011 | Leave a Comment »
Information recently sent to DCS, Inc. indicates Met Life may be second only to Unum Group in its egregious claims practices. Although I haven’t yet put together all of the court cases provided to me, it appears Met Life is in fact doing business in ways which are extremely unfair to insureds and claimants. In [...]
The Hartford – A Personal Story
Posted in Claim Watch on June 29, 2011 | 2 Comments »
(Please note The Hartford often shows up as a Unum Group clone. Years ago some of Unum’s executive management transitioned to The Hartford and in many respects the company’s letters are written the same as Unum’s. While the The Hartford isn’t Unum, it’s claims practices are often the same.) I believe this is what the Hartford [...]
The Unum Claims Process – The Bad Faith Experts – Editorial by Linda Nee
Posted in Claim Watch on May 20, 2011 | 1 Comment »
Insureds and claimants should be aware of Unum’s current claims practices which appear to be deliberately aggressive and abusive to their customers. Nearly every Unum claim DCS, Inc. has read in the last 6 months has been placed on Reservation of Rights status. As you may be aware Unum Group changed its criteria for the [...]
An Aetna Disability Story
Posted in Claim Watch on May 10, 2011 | 16 Comments »
My name is Heather , and I have been a Customer Service Agent (ticket counter/gate representative) for Southwest Airlines since 1999. I have been battling Aetna Insurance Company since 2010 for payments under my Long Term Disability plan, purchased through my employer. I’ve been out of work (from LaGuardia Airport) since February 2010 due to severe [...]
The Definition of “Gainful” in Group Policies by Linda Nee
Posted in Claim Watch on May 8, 2011 | 6 Comments »
(Thank you to one of our DCS clients who suggested a post on the topic of “gainful” and why it is important in group policies. Thanks for the suggestion! Here it is.) Today, nearly all employer-sponsored group ERISA policies contain a change in definition of disability provision after a specified period of time. Employers may purchase a 12, 24, [...]
Statistically Speaking by Linda Nee
Posted in Claim Watch on April 15, 2011 | 3 Comments »
Unum Group is reported to have an extensive claims database – the largest private database of disability information in the United States. Unum has slightly more than 33% of the entire U.S.market for disability insurance, and in 2002 reported handling 400,000 claims per year. That number has jumped to over 600,000 claims in 2010. Years ago, there [...]
