You May be Entitled to Long Term Disability Benefits for Osteoarthritis

If you have purchased an individual long term disability policy or group disability policy and you have been diagnosed with osteoarthritis, you may be entitled to long term disability benefits if your condition is so severe that if prevents you from working. Osteoarthritis is a chronic joint disease of the hands, knees, hips and spine. It primarily effects adults age 55 years or older and is caused by a breakdown of cartilage in your joints. While physical therapy and medication can help control the pain, joint replacement surgery may be necessary when the joints in your hands, hips, or knees are damaged...

31 July

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What Does it Take to Collect Your Long Term Disability Benefits?

Posted by Nancy Cavey

in Long Term Disability

Long term disability attorney Nancy Cavey knows that disability carriers are notorious for delaying, denying and challenging your right to disability benefits. It takes persistence, experience and team work to get your long term disability benefits. From the moment that you file your disability claim, your carrier is looking for a reason to deny your disability benefits. One of the strategies that they employ is to use a disability guideline from a predetermined statistical duration after which you should be able to “return to work”. One of the leading guides long term disability carriers use is giving statistical guidelines. Long term disability...

17 July

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What’s the two step ERISA claim’s process?

Posted by Nancy Cavey

in FAQs

What’s the two step ERISA claim’s process? Under ERISA, you have the right to file a claim for disability benefits and provide a disability carrier with information about your claim. If your plan administration denies your claim, you have 180 days to appeal. That can make all the difference between getting and losing your ERISA benefits. You must complete the appeal before filing a lawsuit. If your ERISA long term disability claim is denied, contact disability attorney Nancy Cavey who can explain to you your rights to long term disability benefits. Do not wait to learn about your options, contact us today before...

16 July

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How much of my income is disability insurance intended to replace?

Posted by Nancy Cavey

in FAQs

How much of my income is disability insurance intended to replace? Many Americans, just like Nancy Cavey’s father, purchased disability insurance to provide financial assistance when they need it most and were disabled and unable to work. Disability insurance benefits are intended to replace from 40-60% of your gross income if you are unable to work for an extended period of time. If you are looking to file for disability, or looking to answer questions about disability like is your income on disability insurance going to replace your current income, give us a call today at 727-894-3188 to talk with us. The...

02 July

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Prudential Disability Insurance Program Begins a Return to Work Service

Posted by Nancy Cavey

in Long Term Disability

One of the many disability carriers in the United States is Prudential Group Insurance which has created a Return to Work Service for employers to assist them with Short Term Disability claims. This program provides employers with assistance in developing a Return to Work Program for employees who are disabled. Disability insurance claim denied attorney Nancy Cavey applauds Prudential’s efforts to begin a Return to Work program to help those who are disabled return to work with assistance in helping employers and disabled employees to return to work in a modified capacity and transitional role....

Author: Nancy Cavey