NO FEE GUARANTEE

Disability Representation For Your Disability Claim

727-894-3188

Call Us For Free Consultation Now

Search
 

Author: Nancy Cavey

CaveyLaw.com > Articles posted by Nancy Cavey

Getting The Long term Disability Benefits You Deserve For Chronic Back Pain

Chronic Back Pain Disability Insurance Benefits Long Term

Americans spend over 50 billion dollars every year treating aching, sharp, burning, numbness and tingling back pain. If you have had those symptoms for more than six months, you have chronic back pain, however, disability carriers just don't understand how debilitating chronic pain can be. What should I do before I stop working and apply for benefits as a result of chronic back pain? While your doctor may have told you to stop working, you shouldn’t do so, until you do the following: Obtain a copy of your disability insurance policy. What is the standard for disability? Are there any limitations? Many...

Continue reading

What Every Type One Diabetic Needs To Know About Their Disability Insurance Policy

Diabetes is a disabling condition that has terrible complications, including heart disease, stroke blindness, chronic kidney disease, amputation, and even death. This disease and or condition is something we see when dealing with long term disability insurance carriers in disability claims. What about type one diabetes? There are many complications with type one diabetes that disability insurance carriers simply don’t understand. These complications include the following: - 57% have eye problems - 13% have kidney disease - 60% have nerve damage - 50% have cardiovascular disease. I have found that Long term disability carriers simply don’t understand the complications of a type one diabetes claim. It is...

Continue reading

What Every Long Term Disability Policy Holder Ulcerative Colitis Needs To Know About Getting Their Disability Benefits

Ulcerative Colitis Long Term Disability Insurance Claims Attorney

Ulcerative colitis long term disability insurance claims: is an inflammation and ulceration of the large intestine which causes thickening and scarring of the colon. Your colon cannot properly deal with the excess fluid from your feces and as a result, you may have abscesses around the anus, colon rupture or even develop cancer. If your doctor has told you to stop working and apply for long term disability benefits as a result of ulcerative colitis you should make sure that there is objective evidence of the diagnosis in your medical records this includes: Documentation of recurrent body stools and repeated examinations Persistent...

Continue reading

What Every Long Term Disability Policy Holder With Bone Cancer Needs To Know Immediately

bone cancer long term disability insurance policy claims

Over 2,000 people in the United States are diagnosed with bone cancer every year, which begins in your bones. Unfortunately, it can spread easily and result in disability. When it comes to diseases like this, we are here to help. What do I need to know if I suffer from Bone Cancer? It is important that your physician diagnose the objective basis of the diagnosis of bone cancer. You should also make sure that your medical records explain your pain, location of your pain, intensity and frequency of your pain, unintended weight loss, fever, chills, night sweats, fatigue, and even fractures. These symptoms will...

Continue reading

Why Your Residual Functional Capacity Form Completed By Your Physician is The Key To Getting Your Benefits

Residual Functional Capacity Form Social Security Claims

The Social Security Administration does not award benefits based on a disability diagnosis. Rather, the Social Security Administration will determine: whether you can return to the lightest job you've held in the 15 years before you became disabled, and whether there is other work you can do in view of your age, education, transferable skills, and residual functional capacity.   The Social Security Administration will never tell you about Residual Functional Capacity forms! At Cavey Law, we determine the right Residual Functional Capacity form or forms to be given to your doctor. These forms give your doctor the opportunity to describe your ability...

Continue reading

If You Don’t File A Social Security Disability Claim Because Of A Back Fusion, You’ll Hate Yourself Later

Back Fusion Social Security Disability Claims Lawyer

Back pain as a result of a herniated disc can be disabling. While some will recover without surgical intervention, it’s not uncommon for those who have significant back problems to undergo back surgery for a herniated disc or even for a fusion. The herniated disc can cause nerve root compression or there might be instability of the spine as a result of degenerative disc disease a fusion can fix these problems. What Will The Social Security Administration Want To See In My Back Fusion Claim? The Social Security Administration is going to want to see diagnostic studies that confirm an arthritic condition, spinal stenosis,...

Continue reading

How Disability Carriers Like United of Omaha Use Pre-Existing Condition Clauses To Wrongfully Deny Disability Applicants Their Benefits

United of Omaha Use Pre-Existing Condition Clauses Disability Claims

Christian Hornland hurt his back in a slip and fall accident that fractured his thoracic spine. He had pain management treatment and rehabilitation that allowed him to work. He subsequently became employed as a real estate manager for Thortons and was offered and accepted a long term disability policy through United of Omaha. A few months after he became a real estate agent, Hornland began experiencing back pain and spasms because his job required him to stand 15-20 hours per week. Several months later, he experienced an onset of sharp stabbing pain in his mid-back. He returned to his doctor and got...

Continue reading

What Is The Social Security “Blue Book of Impairments”?

Social Security Blue Book of Impairments

The Social Security Administration (SSA) takes a system based approach in determining an applicant's entitlement to Social Security Disability benefits at Step 3 of the 5 Step Sequential Evaluation. You remember the body systems? When you studied biology you learned about the cardiovascular system, the digestive system, the orthopedic system and other body systems. The SSA created the Blue Book of Listings based on this body system approach. As a result, there is a whole Listing for cardiological impairments, digestive impairments, reproductive impairments, psychiatric impairments, neurological impairments, endocrinological impairments, and rheumatological impairments. If you name it, there's probably a listing for it,...

Continue reading

Determining Whether You Should File For Your Long Term Disability Benefits Due To Your Diabetes Or It’s Complications

Long Term Disability Benefits Diabetes Complications File

Over 1 in 10 Americans are diagnosed with diabetes every year. Diabetes is one of the leading causes of disability and death in the United States. Diabetes can cause nerve damage which, in turn, causes tingling and numbness in feet and hands. It can even cause problems with your vision. Worse yet, diabetes can lead to kidney disease or cardiac disease. The complications of diabetes can be devastating! What You Should Do If Your Doctor Told You To Stop Working From Diabetes If your physician has told you that it's time to stop working before you make any move, it's time for...

Continue reading

Long Term Disability Recipients Need To Be Afraid Of Medi-Copy Services

Long Term Disability Medi-Copy Services

Long term disability carriers will request that you sign a medical release so that they can get copies of your medical records. Many will hire Medi-Copy services, a third part medical record processor, based in Nashville. In addition to medical records, they also provide disability form completion services. Guess what they do! Since they're working for the disability carrier, they have access to your file. When a disability form gets sent to your physician, they'll get it, fill it out and send it directly to the insurer. There have been instances in which Medi-Copy completed the form, signed the doctor's name and returned...

Continue reading