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...

11 October

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Beta Interferons Treatment and MS

Posted by Nancy Cavey

in Diseases

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...

03 October

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Social Security Administration Ruling on Fibromyalgia

Posted by Nancy Cavey

in Diseases

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"http://vidyacleanse.com/tevent/pure-garcinia-cambogia-plus-and-zen-cleanse review of the doctors’ treatment notes and your symptoms. Once it’s...

10 September

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

Posted by Nancy Cavey

in Long Term Disability

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...

04 September

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Screening Guidelines for Diabetes

Posted by Nancy Cavey

in Long Term Disability

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...

Author: Nancy Cavey