The American Recovery and Reinvestment Act (Stimulus Bill) has been signed into law. Congress has authorized a one-time payment of $250.00 to most Social Security, Social Security Disability Insurance (SSDI), and Supplemental Security Income (SSI) beneficiaries....
Continue readingPrudential Financial Company is a holding company that offers a variety of financial and insurance products to both individuals and businesses. This includes life insurance, short term and long-term group disability insurance coverage, accidental death and dismemberment policy and other types of insurance coverage. Prudential Insurance Company was been the subject of insurance regulators investigations in 1996, which resulted in a settlement of the claim that they had been “churning” which a process in which agents generate commissions by inducing policy holders to trade up to more expensive policies. Attorney Nancy Cavey practices disability insurance law throughout the United States,...
Continue readingThe Social Security Administration launched a new and improved homepage. The new look is more user-friendly. The page is open and clean. It follows the standard industry design by reducing clutter, improving navigation, and better utilizing graphics. ...
Continue readingLong Term Disability carriers hide behind many defenses one of which is that you are not entitled to learn the basis of the denial or analyze the nature of the information the Long Term Disability carrier considered in making the decision. In a recent case of Grams v. American Medical Industries under Prudential Insurance Company, my good friend and colleague, Claudeth Henry, fought the Prudential Insurance Company on these discovery issues and won! The court has ruled that Ms. Grams is entitled to analyze how Prudential reached this decision to deny benefits and analyzed...
Continue readingThere are five (5) major types of Social Security Disability benefits....
Continue readingThe Standard provides disability life, dental and vision insurance to 7.6 million employees nation wide from over 28,500 groups.Standard Disability Insurance Company is based in Portland, Oregon and provides both individual and group disability protection on a short and long term basis.Nancy Cavey, Standard Disability insurance lawyer represents Standard Disability income policyholders whose claims for short term and long-term disability benefits have been delayed, disputed, denied and even terminated. You can reach Nancy Cavey, representing Standard Disability insurance policyholders by calling 727-894-3188....
Continue readingWhether or not you get Social Security Disability benefits can come down to what medical evidence is in your file and what that evidence says about your ability or inability to work....
Continue readingUNUM and Paul Revere have been found to have engaged in “conscious course of conduct firmly grounded established company policies that disregard the rights of insured’s,” Hangarter v. Provident Life An Accident Insurance Company, 373f.3d998, 1014 (9th Circuit 2004). A jury returned a punitive verdict at over $10 million against UNUM Provident and Paul Revere finding that Provident had used round table reviews involving claim’s personnel, medical staff, vocational staff, legal counsel and management personnel. These round table reviews were focused on high indemnity claims, all notes about who participated in the meeting,...
Continue readingIn these desperate economic times, the long wait for a Social Security Disability hearing, can make the difference between eating, getting medical care, or even losing your home. With little money coming in, a lot of people wonder how to pay for rent, utilities, and groceries and wonder whether or not they should get a job. ...
Continue readingIf you are a Paul Revere, UNUM Provident policyholder who suffers from Fibromyalgia or Chronic Fatigue and whose claim has been denied, pay attention! In a case called Hangarter v. Provident Life: An Accident Insurance Company, 373f.3d998, 1014 (9th Circuit 2004) found that in the early 1990’s UNUM Provident realized that policies made on own occupation insurance policies that they had sold was putting UNUM Provident at financial risk. The court in Hangarter found that as a result, that UNUM changed its claims handling practices and philosophy from a company that once willingly paid...
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