12 December

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When Pain Makes You Unable to Work, We Show You How to Get Your Long Term Disability Benefits

Pain can be a monkey on your back that prevents you from working. You might have pain as a result of chronic migraines or a herniated disk that causes back or leg pain. There are an estimated 160 million sufferers of chronic pain in the United States according to the Institute of Medicine. If your doctor has told you that you are unable to work as a result of chronic pain, you may be entitled to long term disability benefits. You can learn all about the long term disability claims process and your rights to wage payments by ordering your...

05 December

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If Chronic Migraines Make it Impossible for You to Work, We Can Explain Your Rights to Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

If a chronic migraine situation results in disability, and you are enrolled in a group or individual long term disability policy, you may qualify to receive lost wages under the long term disability system. Did you know that the ratio of women to men suffering severe pains from migraines is two to one? It is important that you set realistic expectations with your doctor about treatment outcomes. There might not be a cure to your migraine headache and physicians will work with you to find the right treatment regimen that will make you more functional. If your physician doesn’t think you...

30 November

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Delays in Critical Care After Heart Attack Are a Matter of Life or Death

Posted by Nancy Cavey

in Long Term Disability

If you have purchased a disability plan through a private insurer or have coverage through an employer, you may be entitled to long term disability benefits if you suffered from a heart attack. Researchers at Duke University reported that when heart attack victims are taken to hospitals that aren’t equipped to perform life saving procedures, the victim should be transferred to another hospital within 30 minutes. Yet, a new study found that only one in ten patients is transferred in time. The researchers found that the patients whose transfers were delayed were more likely to die- in fact 6% of those who...

21 November

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Cardiac Implant Infection Increase

Posted by Nancy Cavey

in Long Term Disability

According to the Journal of American Cardiology, the incidence of infections in implantable cardiac devices has tripled since 1993. If you had an infection after a cardiac implant that results in you being disabled, 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 Journal of the American College of Cardiology report, indicated that the reasons for the increase in infections after a cardiac implant aren’t clear, but “a recipient’s agent current health may be a factor”August 30, 2011 Journal of the American College of Cardiology. Consulting...

21 November

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18,000 New HIV Cases in the United States

Posted by Nancy Cavey

in Diseases

If you are unable to work as a result of HIV, you may qualify to receive long term disability benefits if you have purchased a disability plan from a private insurer who had coverage through an employer. The Center for Disease Control and Prevention recently reported in a three year campaign intended to expand HIV testing and get people in to treatment, revealed more than 18,000 adults who were new to learn that they were infected. According to Kevin Fenton, Director of CDC AIDS Prevention Center “an estimated 240,000 Americans- a fifth of the nearly 1.2 million living with HIV- don’t know...

16 November

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Chocolate and Your Heart

Posted by Nancy Cavey

in Long Term Disability

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...

Author: Nancy Cavey