Professional Life & Health Consulting Services

As a Licensed Maine Life & Health Consultant Linda also “provides information relative to coverage, rights, or interests under insurance contracts, or relative to the retention, exchange, surrender, exercise of rights, or other disposition of insurance or annuity contracts.”

DCS also partners with insureds in providing application assistance for Social Security Disability Income (SSDI) and Supplemental Security Income (SSI).

Disability Income Claims Management for Professionals

• Fee-based verbal and written own occupation policy audits conducted by an insurance-trained contract specialist Policy audits provide each professional with a complete and unique explanation of benefits under the terms of his/her own occupation policy with understanding.
  
  

• Management of employment issues relative to salary continuation, severance contracts, and voluntary terminations.
  
  

• Consulting preparation of requests for insurance field representative visits, independent medical evaluations and surveillance.
  
  

• Assistance with the completion of initial disability forms including assistance with occupational and financial issues relative to the claims of professionals and/or self-employed physicians, dentists, and corporate executives.
  
  
• Consulting services provided to physicians and physician offices upon request to ensure accuracy and intent of medical restrictions and limitations reported to the insurance company.
  
  

• Assistance with self-employment issues such as business overhead expense benefits, payment of residual disability, business dissolutions, disability key-person coverage, partnership distributions and business buy-out contracts.
  
  

• Consulting services and/or attorney referrals provided for claim terminations and/or appeal reconsiderations.

EMPLOYER-SPONSORED GROUP ERISA ASSISTANCE AND APPEALS

• Policy audits including Summary Plan Descriptions, employer-provided Benefit Plans, eligibility reviews, and pre-existing condition counseling.
  
  
• Consulting assistance provided for employment issues such as self-insured STD/LTD claims with third-party administrators, Family Medical Leave Act (FMLA), Americans with Disabilities Act (ADA), salary continuation, employment and/or benefit terminations.
  
  

• Initial and on-going assistance with the completion of disability forms and other communications to and from your insurer.
  
  

• Partnership with all treating physicians to include on-going and regular contact, administrative services, and management of physician medical communications and the providing of patient records.  
  
  

• Internally designed medical forms that successfully work in providing insurers with the information they need.
  
  

• Administrative management of file including changes of address, medical status   work accommodations, residual disability, and rehabilitation services including return to work plans.
  
  

• Consulting services provided for independent medical evaluations, any occupation investigations, surveillance, field representative visits, internal medical reviews.
  
  

• Multiple client publications and informational data available to insureds authored by Linda Nee. Provides the claimant with important information concerning the claims process.
  
  

• Referrals to qualified and experienced ERISA attorneys as appropriate and when needed or requested.
  
  

• Management assistance of return to work status, employer work accommodations, sick leave, salary continuation, and accuracy of residual and/or part-time earnings.
  
  

• Management of ERISA appeals, supplementation of the Administrative Record, and consultative services concerning the ERISA appeal process and/or referrals to experienced ERISA attorneys.
  
  

SOCIAL SECURITY DISABILITY INCOME ADVOCACY (SSDI AND SSI)

• DCS provides assistance with social security’s complex and often confusing definition of disability as well as a detailed review of medical records to determine eligibility.
  
  
• One-stop disability claim management and SSDI application for benefits – no duplication in medical requests for patient/client records.
  
  

• Disability claim file and SSDI file maintained in the same place.
  
  

• Expert assistance with the completion of SSA forms and the putting together of a complete SSDI application package.
  
  
• Fee-based and fee-agreement contingency services.
  
  

THE HELP YOU NEED DURING THE CLAIIMS PROCESS:

Applications and management of disability claims can be a very scary and complicated process for someone unfamiliar with their own individual or employer group benefit Plan.

As an experienced Consultant Linda Nee will also help you in the following additional ways:

• Explain to you what to expect as you move through the complicated disability claims review and/or social security application process.
  
  

• Prepare a timetable and list of tasks to be performed such as obtaining patient notes, signing Claimant Statements, and providing other required disability forms.
  
  

• Explain what your disability insurer is looking for in terms of “proof of claim” and help you accumulate it.
  
  

• Provide guidance and administrative assistance in completing the necessary paperwork as you move through the process from month to month.
  
  

• Remain available and actively involved by answering questions and assisting you with problems which often arise as the insurance company periodically investigates your claim.
  
  

• Provide reassurance that you are doing the right things, at the right time, in an appropriate manner, thus avoiding pitfalls and “red flags” in the claim review process.
  
  
• Help you control your stress levels and manage the overwhelming fear, frustration, and anguish one often feels when dependent on an insurance company for financial support.

In addition, DCS stands out in the field of disability claims management with proven success rates resulting from actual claims training and experience:

• High rates of successful resolutions for on-going claims management and assistance with appeals.
  
  

• Fourteen years of actual “hands on” claims experience in the disability review business combined with “real time” training in the management of disability claims.
  
  
• Claim file review services provided to attorneys upon request.
  
  

• Referrals to qualified and experienced physician specialists with disability experience reporting, vocational experts, IME physicians, underwriters, experienced RN medical record reviewers, private investigators and other specialists.
  
  

• Electronic books for self-help and education specifically for insureds with disability claims.
  
  

• Monthly DCS, Inc. Newsletter provided to clients.
  
  

• Lindanee’s Blog, an internet resource by and for those with private disability insurance.

WHO TO CONTACT:

Email:            lindanee.dcs@gmail.com

 Lindanee’s Blog: http://lindanee.wordpress.com

This website is the property of Linda Nee, a Maine Licensed Life & Health Consultant. It is not intended to be a substitute for medical or legal advice and all issues relative to a person’s health should be discussed in detail with a physician who is licensed to render care and treatment under the practice of medicine. Likewise any issues of a legal nature concerning any disability claim should be obtained from an attorney licensed to practice law.