Over the last year or so DCS, Inc. has been contacted by both clients and non-clients concerning the 45-day allowable review periods for claims on appeal and otherwise. The typical scenario is that claimants really pay attention to letters from insurers indicating decisions will be made within 45 days. Although claimants depend on, and look forward to, [...]
Archive for the ‘ERISA’ Category
Insurance Deadlines – ERISA – An Important Read
Posted in Claims Process, ERISA on February 29, 2012 | 8 Comments »
Unum’s Position on ERISA….Up To A Judicial Body?
Posted in ERISA on October 6, 2011 | 7 Comments »
Unum’s appeal department has been sending out letters to insureds who challenge the 180-day timeframe for the submission of appeals for Individual Disability Income policies stating the following: “…whether or not your Individual Disability policy is governed by ERISA is a legal matter. Whether or not your claim is governed by ERISA is ultimately up [...]
Unum – Update on Shortened ERISA Appeal Period
Posted in ERISA, Unfair Practices on July 22, 2011 | Leave a Comment »
After some research into the matter DCS, Inc. discovered Unum’s most recent tactic of limiting appeal periods to 60 and 90 days may be legitimate. Under the “old ERISA” rules prior to January 1, 2002 claimants were only allowed up to 60 days (sometimes 90) to file an appeal depending on the date the claim was [...]
US Departments of Labor Expose ERISA Claimants to Insurance Abuse
Posted in ERISA on June 25, 2011 | 2 Comments »
Most claimants with employer-sponsored group STD/LTD claims know the regulatory jurisdiction of ERISA claims is federal through the U.S. Department of Labor. Over the last decade this fact alone has proven to be disastrous to thousands of ERISA claimants seeking assistance against any number of abuses imposed upon them by companies such as The Hartford, Unum, [...]
