The psychology of living with a disability is not addressed by disability insurers and indeed I’ve suggested in prior posts insurance companies know little about how insureds and claimants feel emotionally while on claim. Living in fear of losing disability financial support is indeed an area wherein individuals find it difficult to find a willing listener who understands. [...]
Archive for the ‘Living in Fear’ Category
Living In Fear – Living For Today In Peace by Linda Nee
Posted in Living in Fear, Living with a Disability Claim on April 4, 2012 | 25 Comments »
Living In Fear Series – Cooperation Is A One Way Trip
Posted in Living in Fear on October 23, 2011 | 3 Comments »
The success of Lindanee’s Blog again brings to light issues surrounding how claimants and insureds react to disability insurers when it becomes clear disability claims are likely to be “risk managed” and denied unfairly. A recent caller told me, “I just cooperate with Unum and hope for the best even though I am made to [...]
Living in Fear Series – Rant, Rant, Rant – Argue, Argue, Argue – Just Stop
Posted in Living in Fear on September 16, 2011 | Leave a Comment »
A developing phenomena involving insureds and clients lately is finding themselves embroiled in a circular argument with an insurance company. A “circular argument” is one in which the insured continually attempts to convince the insurance company to accept their point of view and nothing gets resolved. Typically, insureds write letters to the insurance company arguing [...]
Living In Fear – “Just How Scared Are You?”
Posted in Living in Fear on January 27, 2011 | 1 Comment »
I received several calls this week from Unum claimants and insureds scared to the point of breaking. During my conversations and discussions of the claim issues involved it became apparent the insureds were willing to do almost anything in order to keep their monthly benefits coming – even when the request was not a contractual issue- even when [...]
Living in Fear V “When Is This Going to Stop?” by Linda Nee
Posted in Living in Fear on August 10, 2010 | 1 Comment »
Martha kissed her two small children goodbye and watched them closely as they ran toward the school bus, lunch boxes flailing, backpacks slipping off their small shoulders. It was a beautiful day in southern California. The sun glistened through the kitchen door and onto Martha’s small kitchen where she kept her collection of crystal figurines. [...]
Living in Fear IV – When Insureds Just Can’t Stand It
Posted in Living in Fear on February 10, 2010 | 2 Comments »
It is becoming increasingly clear disability insurance companies are indeed pushing claimants over the brink, physically, emotionally, and in every other way. The amount of insurance abuse now being inflicted upon insureds and their representatives, including attorneys is now sufficiently out of control to cause insureds to act in ways which are directly opposed to the payment [...]
Living in Fear III – There’s No Check In the Mail or in The Bank
Posted in Living in Fear on February 6, 2010 | 6 Comments »
Perhaps the worst disability fear for insureds is expecting a disability payment on the same day each month and not receiving it. I know this fear because while I was still employed with Unum in 1999 and 2001 I had to go out on STD for two 30 day periods. Unum denied my STD claim both times; we can safely [...]
Living In Fear Part II
Posted in Living in Fear on July 5, 2009 | 1 Comment »
Many people in the United States are living in fear today because nearly 7.2% of the middle class is out of work. That’s 11 million people who do not have money coming in (except unemployment) every month. On top of that about another 1.5 milliion have disability claims which are denied each year. Therefore, a [...]
Living With Fear
Posted in Living in Fear on May 31, 2009 | 10 Comments »
Many years ago I heard the expression “those who manage your money also manage you”, and although the saying is true for everyone, it particularly expresses the mental and emotional state of individuals with disability claims. Depending on an insurance company for financial support is a very humbling experience to begin with. It robs the [...]
