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Author: Nancy Cavey > Articles posted by Nancy Cavey (Page 10)

The Ugly Truth About Why Every Physician Should Have Disability Insurance

Disability Insurance Benefits for Physician

Did you know that nearly 1 in 5 people living in the United States have a disability for over a year or until they reach the age of 65.  Physicians see on a day in and day out the devastating impact of injury or illness.  Unfortunately, many physicians don’t have long term disability insurance or don’t have proper income protection. It’s The Perfect Time To Add Or Increase Your Disability Insurance If You're A Physician Physicians typically earn more than $200,000.00 per year and have a lifetime earning potentials in the millions.  Obviously, they have more to protect and more to lose. It’s...

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How Reduced Productivity Can Increase Your Chances Of Getting Your Social Security Disability Benefits

reduced productivity disability substantial work

The Social Security Administration doesn’t make it easy for those who are disabled to get the Social Security benefits that you deserve.  However, if your productivity at work is reduced by 15 to 20% because of a physical medical condition, you have a good chance of getting your Social Security disability benefits. What Do I Have To Prove If My Productivity Is Reduced? You’ll have to prove that your medical conditions prevents you from doing substantial work on a continuous and sustained basis.  If you can prove that your medical condition has decreased your productivity by at least 15% of the accepted...

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How Reduced Concentration Persistence and Pace Can Improve Your Chance Of Getting Social Security Disability Benefits

One way to qualify for Social Security disability benefits is to prove that your medical condition prevents you from doing substantial work on a continuous and sustained basis.  If your medical condition has reduced your productivity by at least 15% of the acceptable level, you have a better chance of getting your Social Security disability benefits. Concentration, Persistence and Pace of Social Security Disability The Social Security Administration (SSA) uses the terms “concentration, persistence and pace” to describe a Social Security disability applicant’s ability to focus on their work and to maintain the concentration, persistence or pace required of their job. If your...

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Are You Entitled to Social Security Disability Benefits Because Of The Side Effects of Medication?

Side Effects of Medication Social Security Disability Benefits

The Social Security Administration (SSA) doesn’t always make it easy for those who can’t do substantial work on a continuous and sustained basis to get the Social Security disability benefits they deserve. However, one way you can win your benefits is to prove that your medical condition has reduced your productivity by 15%.  If your side effects from medication that interfere with your productivity. You may be able to get your Social Security disability benefits. What SSA is Looking For In Your Medical Records SSA will be looking at your medical records to see if the medication you are taking causes significant side...

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Social Security Disability Applicant With Diabetes: Getting The Cooperation And Assistance From Your Doctor

Assistance From Your Doctor Social Security Disability

It’s crucial that your doctor support your claim for Social Security disability benefits.  You should lay the ground work with your physician as quickly as possible as that is the key to getting the disability benefits that you deserve. You should tell your doctor the symptoms you have as a result of your medical condition.  The more problems that you have functioning as a result of those symptoms the better. You or your attorney should give your doctor a Diabetes Residual Functional Capacity form to complete.  The Residual Functional Capacity form that will address the following: The objective basis of the diabetes diagnosis, The...

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How to Make Your Disability Insurance Company Pay Attention To Your Social Security Decision

Disability Insurance Company Long Term Disability Attorney

Many times long term disability policies require that the policyholder applies for Social Security Disability benefits (SSDB).  The policy will also provide that if you don’t apply for the benefits, the carrier has the right to reduce your disability benefits by what you or your dependent relatives would have received in your Social Security benefits. Once you are awarded benefits, the disability carrier will ask to be repaid any disability benefits and will reduce your benefits in the future. What Happens If They Ignore The Social Security Decision And Deny My Benefits? In the recent case of Melech v. Life Insurance Company of...

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What Every Disability Policy Holder Needs To Know About ERISA

What is ERISA Disability Attorney

“ERISA” stands for the Employment Retirement Income Security Act that was enacted in 1974 as a result of the Jimmy Hoffa’s pension scandals.   The United States Congress wanted employers to provide to its employees a pension, health insurance, disability insurance and other employee benefits.  To make this insurance affordable, employers asked for legislative protection from being sued. See our practice area page about LTD ERISA Attorney. What Are The Legislative Protections of ERISA? Preemption If you have to file a lawsuit to get your benefits, it must be filed in Federal Court.  The ERISA statute preempts or prevents you from filing virtually all...

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Can You No Longer Work With Your Scleroderma

Scleroderma Long Term Disability Claims Attorney

The Scleroderma Foundation has recognized June as Scleroderma Awareness Month with annual awareness and fundraising events. What You Should Do If Your Doctor Has Told You That You Can No Longer Work As A Result of Scleroderma You may have purchased a disability policy on your own through your employer hoping you’d never need to apply for disability insurance benefits if you became disabled. Scleroderma in the United States is estimated to be 20 out of every 100,000 people and occurs in all races, genders and at any age. If your doctor has told you that you can’t work anymore as a result of...

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What Every Disability Policy Holder Needs to Know About a Form Selection Clause And Insurance


Many disability insurance companies will write their insurance policies to provide that any claim or action has to be filed in a specific district. For example, it could be a district court that is not particularly favorable to ERISA disability policy holders. The general rule is that a “form selection” clause in the disability plan or policy will govern where a lawsuit should be filed. What If There Isn’t Form Selection Clause In My Disability Policy? Under the Federal Rules of Procedure, the court will look to a number of factors including where the principal place of business the disability insurance company is located...

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May 19th Is National Hepatitis Testing Day

As part of Hepatitis Awareness Month campaign, May 19th has been designated as “National Hepatitis Testing Day.”  You can find a testing event in the Tampa Bay Area by clicking the link Hepatitis testing Events Page. What Is Hepatitis? Hepatitis is an inflammation of the liver caused by one of several viruses.  In the United States, the most common type of viral Hepatitis is caused by Hepatitis A, Hepatitis B and Hepatitis C.  The CDC has begun an initiative called “Know More About Hepatitis” that seeks to increase awareness about Hepatitis and encourage people who were born from 1945 to 1965 to...

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