Several questions have been raised this week concerning Unum’s offers of occupational and career rehabilitation. This is an area in which insureds and claimants need to be particularly diligent and smart. Nearly all of Unum’s policies contain a rehabilitation provision in the policy contracts which can be divided into two types: 1) rehab into another [...]
Archive for the ‘Uncategorized’ Category
Unum’s Contractual Rehabilitation Programs – Get It in Writing
Posted in Uncategorized on April 25, 2012 | 2 Comments »
What Is “Risk Management” Anyway?
Posted in Claims Process, Uncategorized on February 26, 2012 | 10 Comments »
Over the last eight years I’ve written many articles and Lindanee Blog posts using the term “risk management” when describing the various internal strategies used by insurers to process claims. As most of you know the sale of insurance is profitable because of the concept of risk and the “law of large numbers”. “Risk” as [...]
Unum Influence in the UK Continues to Wreck Havoc
Posted in In the News, Uncategorized on October 24, 2011 | 12 Comments »
Due to the extensive research of Mo Stewart, a disabled female veteran of the WRAF, Unum’s influence and involvement with the government in the UK, namely the Department for Work & Pensions (DWP) and Atos Healthcare (AH) are finally being exposed for what it is. Unum Life Insurance, UnumProvident and now Unum Group has long [...]
Department of Insurance – State of Virginia
Posted in Uncategorized on July 22, 2011 | 1 Comment »
In keeping with my current theme of reporting on state insurance departments who do not support consumer protection, I had an opportunity to speak with a case rep In Virginia who responded to a complaint regarding Unum’s claim it has a right to selectively disallow IME witnesses. Although Virginia law makes no mention of IME witnesses [...]
DCS Thanks All Those Who Call
Posted in Uncategorized on April 22, 2011 | 1 Comment »
I wanted to take the opportunity to thank the many insureds and claimants who call and send emails telling me how helpful the information is on the Blog and website. On average I receive 30 calls per month just to say “thank you, Linda, and keep up the good work.” My goal is to provide [...]
Ohio National Financial Services – A Rotten Egg
Posted in Uncategorized on April 14, 2011 | Leave a Comment »
Many disability insurers publish “Standards of Ethics” which are used as marketing tools to encourage individuals to buy its products. Much of what is used by disability insurers is actually false advertising since procedures taking place to review claims and adjudicate policy contracts does not follow any prescribed “code of ethics.” Ohio National Financial’s adopted [...]
Filing Unum Complaints – Multistate, RSA and Others
Posted in Uncategorized on April 10, 2011 | 12 Comments »
Last week I wrote a post entitled “Eliminating Fear with Advocacy” and received many questions as to how to file complaints against Unum Group. In response to those questions I’m providing specific information which can be used to send complaints to the various agencies who have regulatory authority over Unum. Remember these state agencies may choose [...]
Unum Wrecks Havoc With Other Insurers
Posted in Uncategorized on April 4, 2011 | 3 Comments »
On occasion an insured may receive benefits under more than one policy sometimes with different insurers. Recently, it came to my attention a Unum claims handler called a Mass Mutual claims handler and reported its termination of benefits. One has to wonder exactly what Unum had to gain from notifying an additional insurer it denied [...]
Unum’s Internal Physicians – Bought and Paid For
Posted in Uncategorized on November 1, 2010 | 4 Comments »
Although most US disability insurers can’t afford to purchase top credentials of their internal physicians, Unum spends an incredible amount of money purchasing “Board Certified” physician credentials in order to lend credibility to the documented opinions they write. Other companies such as Met Life and Sun Life prefer instead to purchase “cheap” outsourced medical opinions which is a [...]
DCS Offers Social Security Disability Income (SSDI) Services and Advocacy and Fee-Based Policy Audits
Posted in Uncategorized on October 1, 2010 | Leave a Comment »
DCS proudly announces as of October 1, 2010 we will be offering SSDI application advocacy as well as additional services assisting insureds in understanding their disability policies. DCS will assist insureds nationwide with their applications for SSDI. For more information concerning this new service, please contact our office at 207-793-4593. Lindanee’s website has also been [...]
