How Your Doctor Can Help You Win Your Long Term Disability Claim

The long term disability carrier will send your doctor a physician disability form to complete which asks questions about your physical restrictions and limitations. Unfortunately, there is no routine form and many of the forms are designed so that your physician will ultimately opine that you’re capable of sedentary work. Why? The long term disability carrier wants to deny your claim. If the form that your doctor has been sent by the long term disability carrier simply doesn’t address all of your restrictions and limitations, have your doctor document on the form what, in fact, your restrictions and limitations...

03 December

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Long Term Disability Claims For Leukemia

Posted by Nancy Cavey

in Diseases

Leukemia is a form of cancer of the bone marrow that can cause fatigue, weakness and bone pain. If you have a long term disability policy through your employer or you purchased one on your own, you may be entitled to long term disability benefits if your physician has told you that you are unable to work. Acute Leukemia There are over 10,000 cases of acute leukemia (acute myelocytic leukemia or AML) diagnosed yearly in the United States. One third of the patients have a mutation of the FLT3 gene which produces abnormal enzymes that drive the production of leukemic cells. Experimental...

22 October

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What is the difference between Social Security’s definition and a long term disability definition of disability?

Posted by Nancy Cavey

in FAQs

The Social Security Administration uses a five step sequential evaluation, the five step sequential evaluation asks whether or not you have engaged in gainful activity, whether you have a severe impairment, meet a listing, whether you can return to the work that you did in the past and whether you are capable of performing other work in the national economy based on your age, education and transferable skills. On the other hand, each long term disability policy has their own definition of disability that generally the definition is the inability to engage in the material and substantial duties of your occupation. The...

23 September

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What Happens After Your ERISA Law Suit has been Filed?

Posted by Nancy Cavey

in Long Term Disability

You purchased a long term disability policy to provide you with peace of mind. But, when you least can afford it, your disability carrier has denied your benefits and has rejected your appeal. Your next and only recourse is to higher a long term disability attorney to sue your long term disability carrier. Your attorney will file what is called a complaint which outlines the facts of your case and why you are entitled to benefits. There generally is no activity for 60 to 90 days after a claim is filed. Why? The complaint is filed and then served on a...

20 September

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Continuing Disability Statements and Your Rights to Long Term Disability Benefits: The Introduction

Posted by Nancy Cavey

in Long Term Disability

You may have received a phone call or letter from your long term disability carrier advising that they want to take “a continuing disability statement”, they may even come to your house to attempt to take the statement which I strongly discourage. The introductory part of the continuing disability statement will include: 1. The agreement that the interview site is an agreeable location 2. Identify who is present and their relationship, if any, to you 3. The day’s date and time 4. Your acknowledgement that the interview is going to be recorded and your agreement to the same 5. Questions as to whether you are...

12 August

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Make Your Medical Records Work for You and Your Claim for Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

When you apply for short or long term disability benefits, carriers will obtain your medical records and have your physician complete what’s called an Attending Physician's Statement Form. Make Your Medical Records Work for You Those medical records and what your physician has to say about your restrictions and limitations can make or break your disability claim. It’s crucial that your doctor document, with your assistance, your physical or psychiatric complaints, how those complaints impact on your ability to function and establish an objective basis for your doctor’s opinions about your restrictions and limitations. Many times, disability carriers will deny disability claims on the...

Author: Nancy Cavey