16 November

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Chocolate and Your Heart

If you suffer from a heart condition that results in disability, you may be entitled to long term disability benefits if you purchased a disability plan from a private insurer or have coverage through your employer. A recent report published in the British Medical Journal (BMJ), showed that “high levels of chocolate consumption are associated with a significant reduction of the risk of certain cardiovascular disorders”. The report revealed that “eating chocolate was linked to low rates of stroke, coronary artery disease, blood pressure and other cardiovascular conditions”. Unfortunately, there was no beneficial effect for the risk of heart failure or...

08 November

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MetLife Caught for a Third Time

Posted by Nancy Cavey

in Insurance Carriers

Federal law makes it illegal for insurers, like MetLife, to make undisclosed payments to brokers who played an important role in helping insurance companies win contracts to provide long term disability policies to employees of major US businesses. In April 2010, MetLife admitted to the US Attorney’s Office in San Diego that it had violated that Federal Law by paying a broker more than $5 million between 1999 and 2005. MetLife entered in to a settlement with the US Attorney’s Office in San Diego and admitted that they had been tipped in advanced about the bid, the agreement didn’t name the broker...

01 November

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Nucynta ER Has Been Approved for Treatment of Chronic Pain

Posted by Nancy Cavey

in Uncategorized

If you suffer from chronic pain, you may be eligible to receive Social Security Disability benefits. Chronic pain is the leading cause of disability in the United States and Jansen Pharmaceuticals has announced that Nucynta ER (tapendidole extended release) has been approved by the Food and Drug Administration to treat moderate to severe chronic pain in adults. The most common side effects were nausea, constipation and dizziness and the extended release formulation will be of great benefit to chronic relief sufferers regardless of the side effects. Almost one third of Americans have chronic pain at some pain in their lives and it’s...

25 October

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What is SSDI?

Posted by Nancy Cavey

in FAQs

What is SSDI? Social Security Disability Insurance (SSDI), provides cash assistance to people who have paid into the Social Security system long enough to earn what is called quarters of coverage. If your work history qualifies you for Social Security Disability benefits, you will be entitled to monthly benefits which will vary in amount based on your prior income. You will also be eligible for Medicare benefits once you have been on SSDI for two years. Need help with your Social Security Disability claim? Contact us today at 727.894.3188 to discuss your claim. ...

24 October

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Diagnosing Celiac Disease and Social Security Disability Claims

Posted by Nancy Cavey

in Diseases

Social Security Disability is a federal insurance program that was established in 1954. It provides monthly benefits for people who have worked in the past, pays Social Security tax and are unable to work for a year or more because a medical condition. The diagnosis of celiac disease involves three steps: An examination. Your physician will take a medical history from you and include information about your symptoms and your emotional state. Your doctor will perform a physical examination to check for and list emaciation, hypertension, high blood pressure, dermatitis, easy bruising, bone scan, mucus membrane changes, vitamin deficiency, loss of sensation in the...

03 October

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Are You Making a Big Mistake By Signing a Pre Authorized Withdrawal Form that Your Long Term Disability Carrier or Allsup Requests? Yes!

Posted by Nancy Cavey

in Insurance Carriers

If you are a long term disability policy holder, you should get your disability policy out immediately and review it because you may have an offset provision. Your Allsup policy may say that a long term disability carrier can reduce your long term disability benefits by the receipt of your Social Security Disability benefits. But, what happens when you get a retroactive Social Security benefit? Your long term disability carrier, such as CIGNA, may ask you to sign a repayment agreement that requires you to repay any over payment. Social Security overpayment attorney Nancy Cavey has no problem with that. However,...

29 September

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September 21st Was World Alzheimer’s Day

Posted by Nancy Cavey

in Diseases

Every year on September 21st, the Alzheimer’s Associations around the world recognize World Alzheimer’s Day. The Alzheimer disease is the most common type of dimension and a collective name for degenerative brain syndromes that can affect your memory, thinking, behavior and emotions. If you have purchased an individual disability benefits policy, you may be entitled to long term disability benefits for Alzheimer’s. It’s important that you consult with a long term disability attorney to review your disability policy. Why? Many long term disability policies will have limits on the coverage that will include a two year limitation on psychiatric conditions diagnosed under...

29 September

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September is Pain Awareness Month

Posted by Nancy Cavey

in Long Term Disability

According to a study by the Institute of Medicine, chronic pain affects more Americans than heart disease, cancer and diabetes combined. Over 116 million Americans suffer from chronic pain. If you have purchased a private group disability policy you might be entitled to long term disability benefits if you suffer from chronic pain. Nancy Cavey, Florida based long term disability attorney, explains that “pain is a major consideration in many long term disability claims”. It’s important that your medical records document that there is an objective reason that you have pain and how your pain impacts your ability to run, walk, see,...

26 September

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It’s Time to See a Doctor if You Suffer From the Symptoms of Irritable Bowel Syndrome

Posted by Nancy Cavey

in Diseases

If you have recurrent bouts of abdominal pain, diarrhea or constipation, it’s time to see a doctor. Did you know that there are no tests to identify irritable bowel syndrome (IBS), and it’s diagnosed based on a defined pattern of signs and symptoms. If irritable bowel syndrome prevents you from working, you may be entitled to long term disability benefits if you purchased a disability policy from a private insurer or have coverage through an employer. The typical signs and symptoms of irritable bowel syndrome are: Pain or discomfort in your belly; Pain or discomfort that happens several days or more per month over at...

Author: Nancy Cavey