11 March

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Reed Group Bought by Guardian

The Reed Group is an absence management services based in Westminster Colorado, who administers long term disability plans included those for Johnson & Johnson. The Reed Group has been beholden for many years to employers as a servicing company doing their bidding and reviewing, analyzing and ultimately denying many long term disability claims. Guardian Insurance Company has bought the Reed Group and one can only imagine that this is for the purposed of improving their claim’s denial rate. If your long term disability claim has been administered by Reed Group, contact Reed Group disability claim denied attorney Nancy Cavey who can help...

07 March

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Continuing Disability Statements and Your Rights to Long Term Disability Benefits: The Introduction

Posted by Nancy Cavey

in Long Term Disability

You may have received a phone call or letter from your long term disability carrier advising that they want to take “a continuing disability statement”, they may even come to your house to attempt to take the statement which I strongly discourage. The introductory part of the continuing disability statement will include: 1. The agreement that the interview site is an agreeable location 2. Identify who is present and their relationship, if any, to you 3. The day’s date and time 4. Your acknowledgement that the interview is going to be recorded and your agreement to the same 5. Questions as to whether you are...

21 February

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Friends of 440 Scholarship Fund — Application Deadline February 28, 2013

Posted by Nancy Cavey

in Latest News

It's that time of year again! The applications for the Friends of 440 Scholarship Fund must be received by February 28, 2013. The application is available on our website a twww.440scholarship.org. The purpose of Friends of 440 Scholarship Fund is to aid dependents or descendants of workers who were injured or killed in the course and scope of their employment and who received benefits under the Florida Workers' Compensation Law. In addition, dependents of individuals who primarily work in the operation and/or administration of this same law are eligible to receive scholarships....

14 February

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The Initial Application for Short Term or Long Term Disability Benefits Can Make or Break Your Case

Posted by Nancy Cavey

in Long Term Disability

Completing your initial application without consulting a disability attorney is a setup for failure. You should formulate a plan of attack for winning your long term disability claim before you willy nilly complete an initial disability application with hopes that your carrier will Fedex a disability check to you. Applications often contain vague questions that are misleading or will bait you into submitting incomplete information. Worse yet, having an irregular disability policy you don’t even know the standard proof you need to establish to show that your disabled as a result of your medical condition. You will also be asked to have...

04 February

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Tricks Long Term Disability Carriers Will Use to Deny Your Claim for Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Many long term disability carriers will use a paper review of your file conducted by its internal medical personnel to determine whether or not there is: 1. An objective basis of your severe diagnosis. 2. An objective basis for the restriction of limitations that have been assigned. 3. A causal relationship between your diagnosis and or restrictions limitations in your inability to perform your own occupation. It is not unusual for long term disability carrier’s medical personnel to determine your records do not indicate an inability to return to work. Next weapon that long term disability carriers will use is a functional capacity evaluation to...

16 January

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New Therapeutic Treatment and Multiple Sclerosis

Posted by Nancy Cavey

in Diseases

Multiple Sclerosis (MS) is a potentially debilitating disease that causes inflammatory damage around the axons of the brain and spinal cord. This damage to the myelin sheath called the “demyelination” can cause loss of sensitivity, tingling, pins and needles, numbness, muscle weakness, spasm, difficulty moving with coordination, balance, speech and digestive problems. For the last 20 years Beta Interferons have been prescribed for patients with multiple sclerosis. Unfortunately, a study at the University of British Columbia indicates that Beta Interferons may actually have no measurable impact on the progression of the disease. As a result, new therapeutic measures are being explored....

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