01 November

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Your Psychiatric Exams and Fibromyalgia and Chronic Fatigue Claims

Long Term Disability carrier's who may accept the diagnosis of chronic fatigue and Fibromyalgia yet deny a claim on the basis that you are employable. It is not uncommon for Long Term Disability Insurance companies who have an "independent paper review" by a physician who has been hired by the carrier. More often than not this paper review, or even an independent medical evaluation physician who has been hired to evaluate will conclude that you meet the diagnostic requirements requiring fatigue. However, they will opine that despite having the physical and psychiatric limitations ...

01 November

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Fibromyalgia and Chronic Fatigue Long Term Disability Claims: Proving Vocational Causation

Posted by Nancy Cavey

in Fibromyalgia Disability Claims

It is not uncommon for Long Term Disability carriers to acknowledge that a Long Term Disability applicant who suffers from Chronic Fatigue Syndrome or Fibromyalgia is in fact disabled but yet they deny the claim for Long Term disability benefits on the basis that they are still capable of working. Long Term Disability Fibromyalgia and Chronic Fatigued denied claim lawyer Nancy Cavey, knows it is important to develop the medical evidence that fully explains your physical restrictions and limitations, side effects of medications and difficulty with concentration, pace and duration. One of the keys...

01 November

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Learn About Fibromyalgia | Fibromyalgia Disability Claims

Posted by Nancy Cavey

in Fibromyalgia Disability Claims

Fibromyalgia is a syndrome that describes symptoms that are characterized by complaints of wide spread pain, decreased pain threshold, non-restorative sleep, fatigue, stiffness, mood disturbances, irritable bowel syndrome, and headaches. The American College of Rheumatology established criteria for the classification of Fibromyalgia. There are two criteria, these are: 1. At least a 3 month history of wide spread history on both sides of the body at locations both above and below the waist in the skeletal axis. 2. Pain palpitation for at least 11 of 18 designated tender points, which are found on both side...

01 November

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Fibromyalgia and Your Claim for Social Security Disability Benefits

Posted by Nancy Cavey

in Fibromyalgia Disability Claims

Fibromyalgia affects more than 6 million people in the United States. You may be entitled to Social Security Disability benefits if you suffer from Fibromyalgia. Sharon Barrett, Pinellas and Hillsborough County Fibromyalgia Social Security Disability Benefits claims denied attorney has represented numerous individuals in their Social Security Disability claims for Fibromyalgia. It is important if you are a Fibromyalgia sufferer to not only get the treatment that you deserve but to tell your story so that your symptoms are well documented in your medical records. This will also help you with your Social Security...

01 November

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Fibromyalgia and Your Long Term Disability Claim Part 2

Posted by Nancy Cavey

in Fibromyalgia Disability Claims

Vocational Evidence of Inability to Work There must be a causal relationship between your diagnosis and disability and your inability to work. This is another area where the Long Term Disability carrier will deny fibromyalgia claims. It’s not uncommon for the Long Term Disability carrier to acknowledge that you suffer from chronic fatigue or Fibromyalgia and that you are disabled yet you are still capable of working in some capacity. It’s important to develop the medical evidence that fully explains your physical restrictions and limitations, side effects of medication and difficulty with concentration, pace...

01 November

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Representing CIGNA Disability Insurance Policyholders

Posted by Nancy Cavey

in CIGNA Insurance Company

CIGNA Corporation is the result of a 1982 merger between The Insurance Company of North America (INA) and Connecticut General. After the merger, the company refocused its product lines to position itself as a unified provider of managed healthcare by selling its individual insurance products division and withdrawing from the personal property/casualty business to focus on small and midsized commercial clients in the United States. In 1990, the company acquired EQUICOR (now AXA Equitable Life Insurance). Unfortunately, Long Term Disability carriers target certain disability claims or claimants for disability termination. It is not uncommon for disability insurance companies to actively target...

01 November

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Representing Hartford Group Insurance Disability Policyholders | Claims Denied

Posted by Nancy Cavey

in Hartford Insurance Company

The Harford Group which was number one in group disability sales in 2005 also sells business overhead planned protection for business owners who suffer disability and can’t work. Business overhead coverage reimburses actual business expenses such as office rent, utilities and employees salaries. It is not uncommon for business owners or professionals to have both disability income benefits and disability business overhead insurance. The Hartford has launched a campaign to give American workers information to protect their income by giving out “thousands of reusable shopping bags,” that contain this information. Hartford has begun its “second annual food for thought campaign,”...

Author: Nancy Cavey