Archive for the ‘Claims Investigations’ Category

business in a mess 2A new trend emerging from Unum seems to hinge on an incredible amount of “disorganization” and claims chaos resulting in the company’s inability to “find anything, do anything, or be timely” about anything. Claims handlers appear to be in complete disorganization “punting” at what to do next.

Perhaps my readers aren’t finding Unum’s disorganization all that unusual since having to deal with Unum’s chaos has, for them, been the norm, but it hasn’t always been that way. In the past, Unum Life Insurance prided itself on the quality of Customer Service even to the point of forcing claims handlers to sign “an oath” of dedication to certain standards. So, what’s happening internally that’s turning Unum into a disorganized mess?

During the last several years, in addition to the normal attrition of employees,  Unum initiated periodic “firings” of employees for various reasons in order to lower its body count. In addition, inside information indicated Unum also terminated employees of entire departments, but kept it quiet and underhanded. Employees report Unum continues to use outdated systems, and if this is the case, it’s reasonable employees may not be able to read the files as they are usually required to do.

In addition, there is every indication that Unum outsources nearly all of its claims review functions to outside third parties. There are so many names of deferred outsources now – Lucens, Dane St. HUB, G4S, ECN, GENEX, Advocator Group etc. that it’s hard to keep up with them. Unum claims handlers do not read the files and therefore requests for the same information goes out time and time again.

Robot Customer Service is allocated all over the country. One has to wonder exactly what  and where the internal employees are Unum actually houses and pays.

As if the above wasn’t sufficient enough harassment to insureds, Unum is now in the habit of alleging “it didn’t get it.” Although this was never the case with Unum, it’s now become a habit for claims handlers to send out duplicate requests for the same information over and over again. This is consistent with information provided to me that Unum’s communication center in Columbia, SC is also in a chaotic mess. Accordingly, Unum’s payroll checks coming from Columbia are also sporadically in a mess.

Tisk..tisk..tisk….This isn’t the Unum I used to know. Attention was given to the claims process and made a priority, as unfair as it was. While I described the insurance bottom feeders such as Aetna, CIGNA, Reliance Standard as inept claims processors,  it does me no pleasure to add Unum Group to that list. The company can’t find anything either, including policy copies, so it’s a real wonder how anything is adjudicated accurately.

I’ve also noticed that if you ask for a “verification of receipt” you may get it, but mostly you will not. Apparently, Unum’s claims handlers are far too busy to send out verification of receipt. If regular business isn’t handled in a timely way, verification of receipt is clearly on the pay no mind list.

For claimants and insureds, Unum’s disorganization adds to an already overwhelming paper chase of disorganization. Claimants have to be sure to “keep an eye” out for repeated requests, disinformation, and harassment. In at least two incidences claimants reported to me being fired by their physicians because of Unum’s harassment for records.

At the same time, Unum’s aggressive risk management of claims adds to the deceptive nature of the overall claims process. It is reported that claims handlers are abrasive and rude, even judgmental.

By the way, information reported here comes to me legitimately from inside employees, readers of the blog via email and phone calls, hundreds of letters I read, attorneys and claimants I speak to, some of which are at the Unum executive level. Negligence is pretty easy to prove.

Overall, based on the information that continues to come in to DCS, Inc., it is my opinion that Unum Group is operating in a chaotic manner with high levels of negligence that evidence “patterns of practice” that management has lost control of the claims process.

It’s too bad Unum’s claimants and insureds are put through immeasurable frustration because management can’t, or won’t get it together.



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Everyone can probably recall at least one friend over the years who is a bit scary. You know, the friend who is quirky, moody, unpredictable, and just plain crazy. Even businesses theses days have their own idiosyncracies in process and attitude. And, although insurance companies have always maintained very high standards on the “crazy” ladders of inefficiency, one has to wonder how Unum as a company manages to exist.

I can well imagine Unum Life’s old CEO, Jim Orr III sadly shaking his head in disbelief as   Unum Life Insurance, previously  known as, “Lighthouse to the World” became “An Outhouse” of insurance bad faith in little more than a decade.

Reports continue to filter in regarding Unum’s negligent and inefficient claims process that is grossly untimely, managed by representatives who are rude, disrespectful and unkind. Repeated reports of Unum’s inability to handle STD claims in a timely fashion continue to be reported to me. Not only is Unum the company of “No”, it’s also joined the ranks of CIGNA, Aetna, and The Standard as bottom rung insurers who have difficulty working through their own claims processes.

What does this mean for Unum insureds and claimants?

  • Continued letters from Lucens asking for SSDI Authorizations even when you’ve previously notified you will not sign.
  • Rude phone exchanges in the form of “talking over you” and not giving you a chance to answer questions asked. (Most of you know I do not recommend speaking with Unum reps on the phone anyway.)
  • Allegations of not receiving paperwork with requests for the same information over and over again.
  • Claims reps not reading your file and trying to manage claims with limited or inaccurate information.
  • Using outdated technology internally to attempt to process approximately 500,000 new claims every year.
  • Internal strife — claims reps terminated due to age, sex and accusations of poor performance. Result? Constant new claims handlers, poorly trained and inexperienced.
  • Frequent harassing of physicians for more and more information.
  • Poorly trained claims handlers who are not trained in adjudicating ERISA vs. IDI claims.
  • Letters sloppily written, misspellings etc. Menu template paragraphs not deleted from letters to which the templates do not apply.
  • Gross untimeliness and violation of ERISA timelines.

There is enough evidence out there to suggest that Unum’s operating under a large backlog managed by claims reps who have no idea what they’re doing.

Despite the company’s poor public reputation and negligence, I spoke on the phone to an individual yesterday who told me, “I know my Unum claims handler. I don’t think she would do anything to hurt me! She’s been really nice!” Are you kidding me?

Let me be extremely blunt here. Unum’s claims handlers are trained to NOT tell you the truth, to question you in a way that provides information it can use against you, and is told time and again by management those who file claims are malingerers.

The entire time Unum reps are slapping your backs with gracious platitudes, they are internally  setting up “Primary Plan Directions” describing how they will work toward denying your claims. No one inside Unum is actually working for your general good to pay claims.

To think otherwise is actually, “the blind leading the blind” and is an extremely naive and pitiful position for insureds to take. Insurance companies do NOT work for your general good, nor do they plan to pay your claim long-term. The problem is that Unum now adds “crazy negligence” to the claims process contributing to an already complex and nerve wrecking claims process.

Does any of what I’m talking about sound familiar to you? Do you recognize Unum from your own personal experiences? If so, then you understand entirely the dilemma of Unum’s inability to manage claims in an organized timely fashion.

If it walks like a duck, swims like a duck, and quacks like a duck, it’s obviously a duck. In this case it’s a crazy Unum duck that can’t seem to get it’s ducks (pun intended) together to review claims fairly in a civilized way.

And, buying into the crazy won’t get you a paid claim.








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Once again I find myself answering questions from insureds such as, “Won’t my insurance company turn against me because I hired someone to help me?” “What will Unum do if they find out I hired you or an attorney? Won’t they deny my claim? “Will The Hartford be angry with me?” “I’m afraid to get help because I’m scared my insurer will hold it against me.”

My first thought when I hear to these comments is, “Well, here we go again.”

Although disability Plans and policies are legal contracts, very few people seem to want to defend them. Statistics taken from my own 25 year involvement with claims is that 60% or more ERISA Plan participants bother to obtain copies of their disability documents. I’m guessing around 10-15% of IDI insureds don’t have copies they purchased a long time ago. This isn’t good news either since most IDI policies contain FIO (Future Income Option) Riders with correspondence they may have wanted to keep in a safe place.

I find it astonishing that ERISA claimants often file initial applications and attempt to manage their own claims without ever reading copies of their Plans. I think it’s reasonable to assume that “one can’t defend what you don’t know.” Apparently, my blog has been somewhat helpful when claimants describe to me how they were asked to do a field interview and realized they needed to hunt down copies of their Plans. Usually, it takes some kind of a conflict in order to encourage ERISA folks to finally read, and  become familiar with, their group Plans.

I’m mentioning unfamiliarity with Plans and contracts because insurers take advantage of the fact that claimants are entering the process, unaware, naive, and unknowledgeable. Claimants will do anything, agree to anything, and say anything without thinking, in order to conform with what insurers are strategically requesting to deny claims.  The next claimant thought is, “If I hire someone to help me will the insurance company hate me and deny my claim?”

And, you are afraid of hiring an expert to help you defend what you don’t know?

First of all, insurers can only deny claims for two reasons, 1) you do not meet the eligibility requirements outlined in the policy such as Elimination Period, maximum hours worked, pre-existing conditions, not in an eligible class etc., and/or 2) you do not meet the definition of disability in your policy. While “unfair claims review” and “bad faith are at the root of denials, there are really only two reasons why claims can be denied.

Communications informing of claim denials must cite specific Plan or policy provisions and give reasons why you don’t meet the provisional conditions. New ERISA requirements require even greater disclosures about why claims are not paid.

At the risk of repeating myself again, let me also say that private disability insurers are only interested in the claim financial reserve values of claims and not claimants personally. Insurers do not have the time to “get huffy” and act punitive because claimants and insurers retain assistance.

No insurer cares whether you are “assisted” or not, but they do care about that $500,000 contribution to profit it will get when it denies your claim. Since less than 50% of ERISA claimants do not have copies of their Plans and are unaware of what to defend, they are, unfortunately, easy targets.

Those who are afraid of hiring assistance may not realize there are good reasons to do so. Some claims handlers tell me, “Thank goodness you’re on this claim Linda, I know I’ll get the paperwork I’m asking for right away,” Or, “Can you please tell your client I’m releasing his check because you’ve called me and let me know about the delay?” “I’ll get those forms out right away and send them to your fax.”

In my case, I’m trusted by the claims handlers to provide them with information when they need it! I also know many of the claims handlers and my name brings an element of trust and credibility to the claims management process.

I have to admit I do recommend extreme caution with attorneys who are, in my opinion, not great case managers. Attorneys know where their money is, and it isn’t in sending in update paperwork! In addition, some attorneys like to strong-arm the process that also leads to premature denials, but my major objection is that attorneys simply aren’t good private disability claims managers.

In today’s convoluted private disability world, it is more normal and customary to have assistance than not. Those who are fearful, stressed, and  paranoid about their claims are perhaps more destined to lose them than anyone hiring an expert who does know about Plan and policy provisions and who can help them defend their rights.

It doesn’t make sense to me to be so afraid of getting help while at the same time “punting” with your insurer because you haven’t obtained and read copies of your policies.

Taking a stab at claims management in the dark is far worse than retaining an expert to assist with the claims process in a professional way. There is a great deal to be gained by consulting with experts who are aware of the claims process and can make it work.

Claimants and insureds who are too afraid to defend their rights under their Plans or policies are those who will be facing claim denials in the future. Insurance companies aren’t stupid after all, and can easily identify the weakest links in the disability claim chain.


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Have you ever played a game of Texas hold’em when the deck has been stacked against you? If you have a private disability claim, you have sat at the table with players stacking the deck at every hand.

We now know that the claims review process is so convoluted and deliberately planned that at least 50% of those with private disability claims are denied benefits with a stacked deck.

The claims process for all insurers has been remade over and over again to perfect those strategies that are most successful in discrediting claims. Please find below the ways in which private disability insurers actually “stack the deck” against you.

Policies and ERISA Plans are flawed and unfair in the writing. It’s important not to miss this point. Before anyone actually purchases, or is eligible for group STD/LTD Group coverage, Plans and IDI policies are adverse to the general public. Private disability contains provisions such as changes in definition, mental health limitations and discretionary authority – loopholes to facilitate early terminations.

Liability decisions, present and future, are pre-determined before the claim is ever paid. Most insurance companies have an initial review process requiring claims handlers to determine “claim resolutions”, meaning how the claim will be denied in the future. Unum’s ERDs, documented for each claim within a “Primary Plan Direction” statement, dictates “next steps” in gathering documentation to legitimize the future claim denial.

In other words, insurers pre-determine the goal as denial, and then organizes the collection of documentation that creates the illusion that a denial decision is the right course of action. To this end, third-party facilities are retained to produce persuasive documentation, setting the company an arm’s length” away from medical decisions.

Those reading this post need to STOP and think about this for a moment. Whatever path your claim has been traveling on was pre-determined at the very beginning of your claim; and every action taken by insurers subsequently is to bring a “resolution” (denial) to a timely conclusion.

Even those claims paid for a long time are on a continuous path of pre-determination of what is needed to deny claims. Claims may be left in peace for a while, but whatever the “Primary Plan Direction” is, claims are manipulated and investigated toward that end.

The ultimate goal of setting Plan Directions is to allow managers to plan unit financial reserve profitability that is in line with company objectives. If managers know in advance what claims are planned to be denied, future profitability can be projected. The problem for claims handlers is that they are “pushed” to meet denial projections once planned and documented. Claims specialists who do not meet profitability goals are performance managed, placed on probation

IME Physicians are in the lingo loop. If I asked 5 insurance defense IME physicians to write reports on a fixed set of medical documentation, they would all use the same terminology and language in their reports. It’s as though they are all reading the same manual! It becomes increasingly apparent that IME physicians who’ve been in the business of IMEs for a long time learn what “lingo” to write in order to help insurers deny claims.

“Based on my review of the information provided there are no medical restrictions and limitations precluding this insured from returning to his/her sedentary occupation.” Or, “There is no objective evidence preventing this insured from returning to work full-time without restrictions.” And so on, and so on.

Unum’s old trick was to inform the IME physician of the amount of the insureds benefit. IME physicians were so indoctrinated into the process they knew immediately how important it was to write adverse reports, let’s say for benefits in excess of $4,000/month. The greater the benefit, the  more certain the outcome of the IME report would be in support of the insurer.

If disability insurance products are adversely written from the beginning, AND the outcome of claim applications are pre-determined, AND all internal and eternal reports are biased and prejudicial, AND ERISA Plans are allowed discretionary authority, how can you ever come to the conclusion that you’re sitting at a fair poker table with normal stakes?

The answer is quite simple – the deck is already stacked against you before the cards are dealt. My message in this post is to bring home the reality that there is no such thing as “fair and equitable review”, or even, “good faith and fair dealing.”

Denial and termination outcomes are dealt to you in the first hand even though you may be totally unaware that the cards are already stacked and the game is fixed.


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The Hartford is quickly rising to Unum Group levels of deceptive and dishonest claims management. Not only is the company denying legitimate payable claims, but employing MCN for medical reviews, over-the-top surveillance, in combination with deception and outright lying is the new “pattern of practice” breaking the backs of its claimants.

In a way, this doesn’t surprise me since The Hartford – Unum connection goes back to the old Duncanson & Holt Unum subsidiary management team who seem to use the same unfair practices learned from UnumProvident. What is recently revealed about Hartford, however, is its trend toward disinformation, or as some might say, outright lying, or deception concerning the status of claims.

While The Hartford’s claims process always was kept a “secret”, I don’t remember claims handlers making a real effort to be untruthful, going to the extent to communicate claims were approved only to deny claims several weeks later after extensive investigation results were received. Hartford’s 007 tactics of investigation are not truthful, and in my opinion, misrepresent every aspect of information submitted by claimants’ own qualified physicians.

The Hartford’s public reputation also suffers from what is aptly described as an “unfair claims process overburdened by excessive investigation.” Once a private insurer decides that every claimant is a malingerer attempting to defraud the company, the doors are opened to unfair claims practices that investigate all claims as though they were Al Capone.

Several years ago Ray Bourhis, the prominent attorney in the Hangartner case, told me, “Unum is now no better or worse than any other insurance company.” I disagree. In my opinion every other private insurer lowered their standards to Unum’s, including The Hartford. Private disability insurers are worse now than they ever were with no state regulators looking over their shoulders.

Use of third-party medical reviewers is causing a chit storm across the entire spectrum of private claim review. As a result ERISA claimants are having to suffer the fallout of extreme fraud and investigative paranoia, losing valuable benefits depended upon for financial security.

In my opinion, The Hartford is now second to Unum on the line-up of egregious disability claim review companies. Employers should use extreme caution when spending costly budget dollars on benefits employees will never see.

All insurers are expected to engage in “good faith and fair dealing” review, but unfortunately insurer profits are not derived from “fair and equitable” review. Instead, insurers are now engaging in deceptive claims practices where telling lies through misrepresentation is more profitable.

In my opinion, The Hartford is now second only to Unum Group in deceptive claims practices. The company finally reached the bottom of the egregious barrel, a reputation that is documented all over the Internet.

I would not want to pay The Hartford’s legal bills in the coming months.

DCS is a national consulting organization that provides expert claims management services to those with private insurance. I offer free initial consultation.  Please contact me about how you can become a client.

If you need assistance with your disability claim please feel free to give me a call..

If you are interested in becoming a DCS client, please feel free to visit my website at: http://www.disabilityclaimssolutions.com

  • Telephone: (207) 793-4593
  • Fax: (207) 274-2331

Detailed information about DCS, Inc. can also be viewed on this blog by clicking the “Consulting Services” Tab from the Lindanee’s Blog Home Page. You do not need to go through the complicated maze of disability claim management alone. I am here to help.

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Sometimes I receive feedback from insureds that my posts “scare” them. Although I don’t publish to “scare”, I clearly publish to inform. This is going to be one of those articles.

Unfortunately, I come into contact with insureds and claimants who describe emotions and “feelings” indicating the likelihood that individuals are internalizing the actions of insurers and “taking things personally.”

One insured actually described herself as “despondent”. Let’s face it, taking actions in life personally can cause a great deal of stress often resulting in surrender to whatever insurers request, even when it is in the context of out-of-contract or Plan.

Let’s be honest as well as clear. Private disability insurers will do anything they possibly can to NOT pay claims. This was true at the time you purchased (or became entitled to) your disability Plan or policy and it remains true when you eventually file a claim. I think it’s perfectly reasonable to conclude that disability insurers deliberately set the tone and context of all communications to elicit negative internalized feelings, including guilt, so that they can profit financially at your expense.

Disability insurers never consider insureds/claimants as “persons” it’s all about the financial reserve value of claims. If your benefit is $1,100/month you’re a pion; if it’s $8,000 you are a VIP and your claim is targeted for the duration. Remember, an increase in financial reserve (when you file a claim) is a loss/liability on the Balance Sheet. Conversely, a reduction in financial reserve is an immediate contribution to profit. Which one do YOU think your insurer is interested in?

Insurers basically have a one-track mind that has nothing to do with you personally. What is the purpose of surveillance? Denying your claim. What is the purpose of an IME? Denying your claim. What is the purpose of a field rep interview? Denying your claim. What is the purpose of update forms? Finding “inconsistency of report.” What’s the purpose of sending out questionnaires? To give insureds a forum to provide information giving themselves work capacity. Note: It’s never about you as person, it’s all about   money and profitability.

Still, insureds will invariably internalize actions taken and feel bad, or angry about it.

Insurers really don’t care too much about your impairment and symptoms, nor do they care how bad you “feel” about not being able to work. Companies like Unum, The Hartford, CIGNA, The Standard etc. want your claims terminated or denied and they will do everything in their power to make it happen. That’s the reality; that’s the environment your claim is in. It’s not personal, it’s strictly business.

No one is targeting you personally with surveillance, but your insurer will use your actions as justification to deny your claim. I realize there is a fine line here, but the intent is not about YOU, it’s about using you to deny your claim. Using your own words and actions to deny claims is the most persuasive way of actually do it.

To reinforce this point, go back and re-read the most recent letter you’ve received from your insurer. Is there anything about this letter that speaks to you as an individual or disabled person?

Of course not. “We are continuing to evaluate your claim and you may not meet the definition of disability”; “If you do not submit the information, benefits may be denied”; “Failure to sign this Authorization could result in the non-payment of claims; and, of course, “Failure to meet the definition of disability could result in the denial of your claim.” Is there anything about these letters that is kind, sympathetic, nice, or positive? I think not. I refer to these letters as a type of  “business threatening.”

Some insureds appear to be in shock when they see insurers acting this way, “I never thought insurance companies could do this.” “How can my insurer deny my claim when my physicians are saying I can’t work?” “The claims handler was very rude to me.” And so on. Although the first reaction of insureds is to take insurers’ actions personally, Unum’s actions, for example, should be regarded no better, or worse than, a surly Wal-Mart greeter who demands to see your sales slip before leaving the store.

My recommendations to insureds is to treat ALL actions of private disability insurers as “business transactions.” Avoid taking things personally, because it’s not about you at all – it’s about the financial value of your claim. Every action, request, risk management activity, update etc. is for the intended purpose of obtaining documentation to back up what looks like a credible denial – all of it.

I get it. “Since when is surveillance not personal?”, you might ask. Although it may “feel personal” because it is a type of invasion of privacy, insurers are really using YOUR OWN ACTIONS to deny claims, NOT YOU PERSONALLY. Self incrimination via surveillance is one of the quickest and surest ways to deny claims, which is why insurers do it so often.

Most of what happens with disability claims from an administrative perspective has to do with how insured “position responses” and develop “perceptions of what it means.” Insureds who view communications with insurers as business transactions fare much better than those who take everything personally and give in to unreasonable demands out of fear.

Dealings with a private disability insurer should always be regarded as business transactions, not personal attacks.

Michael Corleone’s statement in the film Godfather, “It’s not personal, Sonny, it’s strictly business“, is as true today as it was in The Godfather Saga, especially as it relates to private disability claims management.

If you perceive disability insurance in the context of business transactions you may save yourself a great deal of angst and frustration in the long run.




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This picture is the non-profane version of the famous line by Wesley Snipes in his movie, Blade. Although, he himself ice skated up hill in refusing to pay his taxes, resulting in jail time, he does make a good point relative to disability claims I thought was worth mentioning again.

During my career as an expert claims consultant I’ve encountered many individuals who manage their own claims but seem to do all of the wrong things, not once or twice, but over and over again. Therefore, here are a few claim instances when insureds/claimants may find themselves trying to ice skate uphill.

Trying to defend, or respond to insurers when you haven’t read your Plan or policy.

Over 80% of the people who call me seeking services have not read their policies, do not have a copy of their Plans or policies, and/or tell me, “I have it somewhere, I’m going to have to dig it out.” The truth is: You can’t defend what you don’t know.”

All responses to insurers should be based on Plan or policy backup. You may recall that insurers’ letters always include one contract provision after another, or at least what insurers think is relevant to the request or information it is seeking.

Unfortunately, insureds’ responses are often filled with emotion, and endless attempts at trying to explain their claims, particularly when they know absolutely nothing about their Plans or policies. In reality, insureds need to get off the icy hill, read their Plans and policies and then defend the issue rationally, not as a justification as to why you can’t work, but “in accordance with the Plan or policy.” Again, you can’t defend what you don’t know.

Physicians/Employers trying to amend, or take back, inaccurate reports of disability.

All good intentions aside, it does happen in the busy, complex medical office that patient information is given over the phone, sometimes by a Nurse Manager or Physician’s Assistant that is completely inaccurate. Most of the time, the information given involves approval for return to work, or other info that favorably relates to the patient’s ability to work.

Once insureds’ are faced with claim denials they immediately go back to their physicians and ask that they send letters informing insurers the information was in error. And…physicians can certainly do that, but once one opinion is given, there will always be a question as to why the physician, “changed his/her mind.” In fact, there is no credibility to defend the claim once false information is provided from a doctor’s office.

Physicians can talk and write themselves until they are blue in the face, but forever afterward, insurers will not view the doctor’s opinions as credible. Whether or not insurers will eventually accept the new information is uncertain – some do, and some never do.

Physicians aren’t the only culprits in this ice skating marathon. Employer’s often provide insurers with inaccurate information that can take a very long time to straighten out. For example, I had a recent client situation where the employer informed DMS the insured “resigned” his job and quit. If you’ve read my multiple articles on “resignations”, you understand what a tough claim issue this is. (“Resignations – A Disability Claim No-No”) 

After several months of providing accurate statements and letters from HR, DMS finally dropped the issue, but its response repeatedly was, “But, HR told us he resigned.” When I asked DMS to provide me with a copy of his resignation, which it couldn’t do, the situation changed, but only after I refused to skate back down the icy hill.

Attempting to justify, or explain your claim to deaf claims handlers.

Sometimes insureds spend an hour or more on the phone with their insurers, or writing 7 page letters, trying to justify, legitimize, or explain why they can’t work and need to be on claim. In the end, these attempts to legitimize claims are wastes of time, or in the case of letter writing, justification that you have work capacity.

Disability insurers do not care about you personally, and although you may not appreciate me saying this, it is nevertheless true. The only thing disability insurers actually care about is the financial reserve value of the claim you filed and when they can deny it to produce profitability. I’ve said many times in my articles that “disability insurers know nothing about disability!”

To assume insurers want to be “nice”, or that they “give you best advice”, or that you can persuade the claims handler your claim is legitimate, is one of the major errors insureds often make. Insurance claims handlers do not have the autonomy to make claims decisions, deferring to managers, and they are trained to “listen” and “document” selectively. This is yet another futile action that can be used adversely against you, if you inadvertently provide the ammunition.

Although there are other ways in which insureds ice skate uphill carrying their disability claims, I think you understand my point. There are better, more informed ways to support and manage disability claims. As Wesley Snipes says, there are always some who attempt to ice skate uphill.”

In reality, disability claims are the ice hills you may want to stay off of. There are some things you just can’t take back or explain.


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