28 October

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The Truth About Long Term Disability Insurance Companies

THE TRUTH: Numerous judges have acknowledged that you are not on a level playing field with the insurance company during the claims process. Your employer's opinion of whether or not you can work carries little weight. Many employers are very upset to learn that the policy they purchased for their employees and themselves is not paying disability benefits. Many insurance companies will say, "your opinion does not count" or "you should have bought a better policy." Insurance company forms are actually designed to trick you into giving up information, that will later be used to help the insurance company deny your claim. Insurance companies...

28 October

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How We Handle Your Long Term Disability Claim

Posted by Nancy Cavey

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Fewer cases = More Time for You We are “different.” We don’t rely on a high volume of cases. We don’t claim to handle every type of law because we don’t want to. Each year we accept a limited number of long-term disability, Social Security, workers’ compensation, and wage and hour cases from the hundreds of people who ask us to represent them. We are not a “TV advertising mill.” We do not allow paralegals or assistants to negotiate your case. Fewer cases means more of our time is spent focusing on your needs, which we believe produces better results overall. Our best advice...

28 October

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What you DON’T Want To See In Your Your Long Term Disability Policy

Posted by Nancy Cavey

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Unfair Language # 1: "We Have Discretion to determine Benefits" Most disability insurance companies hide behind a clause hidden in their policies known as a "reservation of discretion". But don't bother to look in the ERISA statute for anything about a "reservation of discretion" clause. The federal courts have given the insurance companies the right to hide the so-called "reservation of discretion" clause, leaving all employees at risk! Florida is part of the Federal 11th Circuit Court of Appeals which has chosen to create its own rules on how it will review an insurance company’s long-term disability claim denial. First, the federal judge...

28 October

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Liberty Mutual Insurance| Liberty Mutual Disability Insurance| Tampa | Disability Attorney

Posted by Nancy Cavey

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Have you looked at the Liberty Mutual Group Website? There is a page on culture and values. Liberty Mutual would have you believe that what sets them apart is a “more than 90-year old mission of ‘helping people live safer and more secure lives’”. According the website, their employees are dedicated to: 1) Integrity 2) Dignity and Respect 3) Superior Products and Services Unfortunately, in the experience of many Liberty Long-Term Disability policy holders, the company is not living up to that mission. Liberty Mutual Disability Facts: Liberty Mutual’s website is an amazing source of information. A Disability Insurance Education Center, Liberty explains that over 54...

28 October

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Are You the Star in the Long Term Disability Claims Denial Movie?

Posted by Nancy Cavey

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Long Term Disability carriers routinely hire private investigators to conduct video surveillance of you. More often than not Nancy Cavey, St. Petersburg and Tampa disability insurance lawyer, often will see that the report that the video surveillance doesn't match the actual footage taken or, in some cases is an actual work of fiction. If your Long Term Disability claim has been denied as a result of surveillance, you need a Long Term Disability attorney. Nancy Cavey requests a copy of your Long Term Disability claim's file, including the surveillance and the surveillance report. Nancy Cavey, Long Term Disability denied expert, watches the...

28 October

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Can I Get Both Workers’ Compensation and Short and Long Term Disability Benefits?

Posted by Nancy Cavey

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Well, the real answer is that it depends! Many Short and Long Term Disability policies can provide for both the receipt of both Workers' Compensation and disability benefits. Others will take a complete reduction of benefits, while others will pay a monthly minimum. How does this work? To figure the amount of your monthly benefits for Long Term Disability benefits Nancy Cavey, Florida Long Term Disability and Workers' Compensation attorney does the following: 1. Multiply your Long Term Disability basic monthly earnings by the benefit percentage shown in the policy. 2. Take the lesser of the amount: a) determined in step one, b)...

28 October

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Cardiac Long Term Disability Claims Denied as a Result of Vocational Opinions | Florida Disability Claim’s Denied Lawyer Nancy Cavey

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It is not uncommon for Long Term Disability applicants who have cardiac problems to be denied Long Term Disability benefits on the basis that they can return to their own occupation or any occupation within the national economy. Long Term Disability carriers will routinely use vocational evaluators to render an opinion that you are capable of returning to old job or some job in the national economy. If, that in fact, were true you wouldn't be applying for Long Term Disability benefits. People who have heart conditions are evaluated under a permanent impairment guide that is based on your cardiac functionality. There are...

28 October

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Long Term Disability Claim Denial Because “You May Be Able to Perform Your Past Prior Work or Other Work”

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Unfortunately, Long Term Disability insurance companies deny claims for all sorts of reasons, however, Nancy Cavey, ERISA Long Term Disability denied lawyer, often sees denial letters which contain the language that your claim was denied "there is no evidence that demonstrates that a Long Term Disability applicant can perform a certain exertional level and remains able to perform your past, prior work or other work as proposed." What does that mean? Long Term Disability carriers routinely will determine, based on a review of your medical records, or an analysis of your medical records by an in house nurse or peer...

28 October

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Long Term Disability Benefits and Your Records | Long Term Disability Denied Lawyer in Tampa Bay

Posted by Nancy Cavey

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When you apply for Long Term Disability Benefits, your Long Term Disability carrier will ask for your medical records. However, the Long Term Disability carrier will not tell you what medical records are the most important in your disability claim. There are three types of medical records each of which can result in a denial of your Long Term Disability claim, or an approval. 1. Chart Notes When you go to see your physician, a nurse or assistant will take information regarding your complaints, symptoms, medications and perhaps the difficulty of how you are functioning. Chart notes are important because Long Term Disability...

28 October

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Doctors Paid to Aid Insurers | Disability Claim Denials | Article in Daily Journal

Posted by Nancy Cavey

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INSERT PDF HERE...

Author: Nancy Cavey