30 May

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Heart Health and a Fiber Rich Diet

Did you know that heart disease can be a life threatening condition? According to the Science Blog, young and middle age adults who consume a fiber rich diet can significantly lower their risk of heart disease. Adults between the ages of 50-59 who made fiber a regular part of their diet were found to have a lowered lifetime risk of heart disease in comparison to those who have a low fiber diet. The lifetime reduction in the risk for heart disease is an important finding. Because heart disease is so wide spread in the United States, your physician may have told...

24 May

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Alzheimer’s Disease and Your Rights to Long Term Disability Benefits

Posted by Nancy Cavey

in Uncategorized

Alzheimer’s is one of the most common causes of dementia in the United States and it accounts for 50-60% of all cases. Alzheimer’s destroys brain cells and nerves restricting the transmitters that carry messages to the brain, particularly those responsible for storing memories....

08 May

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No Extra Benefits Seen in Study for Coronary Artery Disease

Posted by Nancy Cavey

in Long Term Disability

A traditional method of treating coronary artery disease is prescribing beta blockers, ace inhibitors, statins and daily aspirin. A recent study, a described in the New York Times, shows that traditional treatment for coronary artery disease is just as effective as stent implantation for prevention of chest pain, heart attack and need for future percutaneous coronary intervention. Percutaneous coronary intervention, or PCI, involves a surgeon inserting a mesh tube made of metal into an artery that has become narrow because of accumulated plaque. The tube is fed into an artery and expands to hold the artery open to the point that...

03 April

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Ovarian Cancer Treatment side effects and your rights to long-term disability benefits

Posted by Nancy Cavey

in Long Term Disability

If you have been diagnosed with ovarian cancer and your treatment plan involves chemotherapy, you may experience physical, emotional, and psychological side effects. These can include: Fatigue Anemia Constipation Nauseousness and vomiting Mouth and throat problems Infection Anxiety and depression Nerve and muscle problems. When ovarian cancer prevents you from working, you may be entitled to receive long-term disability benefits if you purchased a disability policy from a private insurer or have coverage through an employer. Unfortunately, long-term disability carriers don’t make it easy to get the disability benefits you deserve, and in particular, do not understand the side effects of...

27 March

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I have been paid my long-term disability benefits for 10 years. Now they are denying my claim. Can I sue them?

Posted by Nancy Cavey

in FAQs

Before suing a long-term disability carrier, it is advisable to exhaust your appeal rights that are available under the Employee Retirement Income Security Act, (ERISA). If you purchased your group long-term disability policy through your employer, your case will be governed under the ERISA disability law which allows for a 180-day appeal period. Nancy Cavey, ERISA long-term disability attorney, suggests that you get a copy of the long-term disability carrier’s file, including the adjusting notes, so you can see how they set your claim up for denial. It is important that you retain an experienced ERISA disability attorney to perfect an...

06 March

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HOW DO I FIGHT THE LONG-TERM DISABILTY CARRIER WITHOUT PAYING THE OVERPAYMENT BACK?

Posted by Nancy Cavey

in Uncategorized

It depends on the terms of your policy! Many long-term disability carriers do provide that they have the right to reduce your benefits by the receipt of shophttp://amimusic.com.br/detox-diet-plans-weight-loss “other income”. ERISA disability attorney Nancy Cavey suggests that you first get out your long-term disability policy and review the terms of your policy to see whether or not there is a provision that allows for reduction of your benefits by the receipt of “other income”. Secondly, you should review the “other income” terms carefully to make sure that whatever benefits you might be receiving are in fact...

05 March

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METLIFE LONG-TERM DISABILITY CLAIMS FORMS

Posted by Nancy Cavey

in Insurance Carriers

If you purchased long-term disability benefits and your doctor has told you that you are unable to work, you should file a long-term disability claim form. There is no uniform disability form, but carriers like MetLife will use an individual disability claim and statement, individual long-term disability assessment, attending physician forms and behavioral assessment as part of the disability claims process. If you have difficulty getting these forms from MetLife, or completing the same, you should contact MetLife denied long-term disability lawyer Nancy Cavey. Nancy is never surprised when MetLife denies a long-term disability claim because carriers like MetLife are always looking for...

28 February

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CERVICAL DYSTONIA AND YOUR RIGHTS TO LONG-TERM DISABILITY BENEFITS

Posted by Nancy Cavey

in Diseases

Cervical dystonia, known as spasmodic torticollis, is characterized by neck muscles that contract involuntarily, causing abnormal movements in posture of the head and neck. Spasms in the neck muscles or pinched nerves in your neck can result in pain and discomfort. It can even spread into the shoulders. One of the most effective treatments for cervical dystonia is Botox injections into the muscles, and oral medication. Treatment can also involve selective denervation surgery and even deep brain stimulation surgery. If your physician has told you that you are unable to work as a result of cervical dystonia, and you purchased a long-term disability...

Author: Nancy Cavey