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Author: Nancy Cavey > Articles posted by Nancy Cavey (Page 21)

Choosing the Right Law Firm to Fight for Your Social Security and Long Term Disability Benefits

 Did you know that most long term disability policies have a Social Security Disability offset provision? A long term disability insurance company will force you to apply for Social Security Disability benefits and, if you don’t, they will take the position that they are entitled to the offset anyway! Many times the long term disability insurance company will offer you Social Security Disability representation. That’s bad news for several reasons: 1. You have the choice of your attorney; 2. The Social Security representative recommended by the long term disability carrier may not even be an attorney; 3. Many of these companies will develop...

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Headache Pain and Your Rights to Social Security Disability Benefits

headache pain social security disability

Headache pain can cause you to be disabled. If your doctors have told you that you are unable to work, you should apply for Social Security Disability benefits. Unfortunately, many Administrative Law Judges question the credibility of Social Security Disability applicants regarding the severity and frequency of the headaches. It’s important that when you apply for Social Security Disability benefits as a result of a headache that you outline in your application how your daily activities are impacted by your headaches, the timing and duration of your headaches and how you treat your headaches. So, for example, if you have a headache and...

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Beta Interferons Treatment and MS

Multiple Sclerosis (MS) is a potentially debilitating disease that causes inflammatory damage around the axons of the brain and spinal cord. This damage to the myelin sheath called the “demyelination” can cause loss of sensitivity, tingling, pins and needles, numbness, muscle weakness, spasm, difficulty moving with coordination, balance, speech and digestive problems. Beta Interferon has been used as one of the first line “disease modifying treatments” but, unfortunately, researchers at the University of British Columbia are reporting that there is “no strong evidence of a significant association between using Beta Interferons in MS in delaying long term disability progression”. If you have...

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I Have Had Back Pain for Months, Am I Entitled to Social Security Disability Benefits?

Did you know according to the National Institute of Health, Americans spend over $50 billion every year to treat low back pain. If you have aching, sharpness, burning, numbness, tingling that has lasted three to six months, you have chronic back pain. Many people with chronic back pain have tried treatments like physical therapy, injections and even surgery without relief of on going back pain. If you have had chronic back pain for more than six month and you are unable to work, you should contact chronic back pain Social Security Disability attorney Nancy Cavey to learn more about the Social...

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Social Security Administration Ruling on Fibromyalgia

The Social Security Administration has issued a Social Security ruling (SSR 12-2p) on the evaluation of fibromyalgia. This new rule, which is effective July 25, 2012, states that: “fibromyalgia is a medically determinable impairment when it is established by appropriate medical evidence”. A diagnosis of fibromyalgia must be made by a licensed physician who using the “1990 American College of Rheumatology Criteria” or the “Classification of Fibromyalgia” or the “2010 American College of Rheumatology Preliminary Diagnostic Criteria”. The Social Security Administration will also complete a longitudinal "view site" review of the doctors’ treatment notes and your symptoms. Once it’s...

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The Secret the Social Security Administration Doesn’t Want You to Know- How Social Security Benefits Can Protect Your Full Retirement Benefits

Why would you want to do that? If you opted to take early retirement benefits, you receive a reduced benefit amount for the rest of your life. However, if you have been approved for disability benefits, the Social Security Administration is agreeing that your medical condition would have kept you working until full retirement age had you not been disabled. As a result, the Social Security Administration doesn’t penalize you from being disabled, you are allowed to collect your full retirement amount, instead of the reduced amount for the rest of your life. What You Should Do: You should contact Tampa Bay...

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Six Reasons Why You Want to Supplement Your Group Coverage with an Individual Disability Income Policy

You may have a false sense of financial security if you only have a group long term disability insurance policy. Individual disability policy attorney Nancy Cavey suggests that you supplement your group coverage with an individual disability policy so that you can have financial peace of mind. Did you know that: 1. Most employer sponsored group plans provide a benefit of 60% of your base salary up to a maximum monthly amount. 2. An individual disability policy can protect the portion of your income not covered by a group plan and will generally cover 80-90% of your total compensation, including...

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Screening Guidelines for Diabetes

Diabetes can be a disabling condition that prevents an individual from working for a long period of time. During this period of illness, treatment and recovery, long term disability benefits maybe available to offset your lost wages. The Diabetes Advocacy Alliance, a diverse coalition of 18 have come to together to change how America approached health burdens imposed by diabetes. According to Martha Ringer, Chief Advocacy Officer, for the American Association of Diabetes Educators. Diabetes “Is a public health crisis that threatens to overwhelm our health system…some 79 million Americans are on the verge of diabetes and another 7 million have undiagnosed...

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Diabetic Neuropathy and Your Rights to Social Security Disability Benefits

While many people think of diabetes as a painless condition, millions of diabetics suffer from tingling toes or painful feet. High blood sugar can cause injury to the nerves and blood vessels throughout the body. The first nerves that are affected are the smallest ones furthest away from your spinal cord. Those nerves will stretch to the toes and your feet where it can cause a constant burning feeling in the feet. This problem, called diabetic neuropathy, can completely rob your feet of the ability to sense pain. If your doctor has told you that you have diabetic neuropathy, you may...

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Changing the Date You Are Claiming Entitled to Social Security Disability Benefits

Date of Claims

Unfortunately, many unrepresented Social Security Disability claimants’ often pick a “date of onset” for their Social Security Disability claim that leads to denial after denial by the Social Security Administration. Unfortunately, many disabled workers may have stopped working on a certain day because of an on the job injury or an occupational disease and, that does not mean that the Social Security Administration will find that you that you will receive disability benefits from that date. Sometimes, there are medical conditions that disable you from working that will become totally disabling months or even years after you stop working. As a...

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