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Author: Nancy Cavey

CaveyLaw.com > Articles posted by Nancy Cavey (Page 5)

What Every Social Security Disability Applicant Needs To Know About The Transferability of Skills

Transferability of Skills Social Security Disability

The Social Security disability claims process is confusing and discouraging. Many people think they're entitled to Social Security disability benefits simply because their doctors told them they can't work anymore. Not true! The Social Security Administration (SSA) uses a 5 Step Sequential Evaluation to determine whether you are entitled to benefits. You have to meet every one of these steps. One of the most confusing steps is Step 5, the SSA must determine whether or not you have any transferable skills from any work that you have previously done that would allow you to perform a new job or learn a...

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Congestive Heart Failure And Your Rights Long Term Disability Benefits

Congestive Heart Failure Long Term Disability Benefits

Long term disability carriers don't always make it easy for those with congestive heart failure to get the long term disability benefits they deserve. What Are The Causes of Congestive Heart Failure? Coronary artery disease, congenital heart defects, poorly treated high blood pressure, prior heart attacks, valvular and pericardial disease and cardiomyopathy can all result in an enlarged heart and congestive heart failure. Regardless of the diagnosis, many long term disability carriers will want to see that your heart failure has continued despite your use of medication. What Does The Long Term Disability Carrier Look For In My Medical Records? Many long term disability...

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How Does A Short or Long Term Disability Policy Holder Find Out About Their Disability Benefits

ERISA plan fiduciary attorney

Did you know that if you purchased a short or long term disability policy through an employer, (other than a government or church employer), the ERISA statute requires that your employer or Union act as a fiduciary? What Are The Duties Of A Fiduciary? Your employer or union must provide information about benefits when you ask for it in writing. In fact, plan administrators, employers or unions who provide benefits, must provide a copy of the plan documents to you if you make a written request for the documents. If they don't provide you with the plan documents, they can be subject to...

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The Six Type Of Forms That Every Social Security Disability Applicant Must Complete When They Apply For Social Security Disability Benefits

Forms Documentation Required For Social Security Disability Benefits

Applying for Social Security Disability benefits is a lot of work. There isn't any way around it. The Social Security Administration (SSA) requires 6 different types of documentation during the application process. Before you apply for benefits you should gather this information. Better yet, consult with an experienced Social Security Disability attorney like Nancy Cavey who can help you gather the information and complete the forms correctly. What Is The Documentation Required For Social Security Disability? 1. The Disability Report SSA asks that you complete a disability report that will provide the SSA with information about your medical condition, the treatment you have...

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Lupus Symptoms That Every Long Term Disability Carriers Expect To See In A Policy Holder’s Medical Records

Long Term Disability Policy Holder’s Medical Records Lupus

Lupus patients can have a long hard fight to get the long-term disability benefits they deserve. They key to winning long-term disability benefits for Lupus is in your medical records. What Your Medical Records Should Document About Your Lupus Your records should document the following symptoms and how they impact your ability to function: Low-grade fevers which are not attributed to other illnesses, Rashes or lesions particularly before a flare up, Oral ulcers, Enlarged lymph nodes, Chest or muscle pain, Kidney problems, Pulmonary problems, Swollen joints, Gastrointestinal issues, Thyroid issues and Fatigue. How To Document Your Fatigue Fatigue is the most common symptom of...

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The 3 Myths and 3 Facts About Social Security Disability Insurance That You Need To Know

Social Security Disability Insurance Myths Facts

As a Social Security Disability attorney, I hear many myths about the Social Security Disability claims process. Unfortunately, many people believe these myths and do nothing. Here are some myths that need to be blown out of the water: Myth #1: Everyone's Social Security Disability application is denied. Fact: About 2/3 of the initial and request for reconsideration are denied, but at the end of the day, over 50% of those who apply for Social Security Disability benefits and keep at it get their disability benefits. Myth #2: You don't need a lawyer to get your Social Security Disability benefits. Fact: Well, it's a...

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Why Do Insurance Companies Deny Short Term Disability Benefits or Cut Off Benefits During The Short Term Disability Period?

Short Term Disability Period Denial Insurance Company

Unfortunately, it's not uncommon for disability insurance carriers to deny a short term disability claim, or cut off a policy holder during a short term disability period. Why? Most of these policy holders also have long term disability insurance and that creates a significant exposure to the long term disability insurance carrier. The disability carrier is hoping that you get discouraged and don't file an appeal and/or fail to even apply for your long term disability benefits. Why Do Disability Insurance Carriers Deny Short Term Disability Claims I believe that disability insurance companies set up short term disability denials to make it...

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What Every Long Term Disability Applicant Needs to Know About Having the Right Medical Support For Their Disability Claim

Right Medical Support Disability Claims LTD

When an injury or sickness prevents you from working, you may be entitled to disability benefits under a long term disability policy. However, before you stop working, you should get out your disability policy and understand: (1) how the policy defines occupation, (2) what type of proof the policy requires. It’s crucial that you understand the claims process before you stop working and apply for long term disability benefits. What Is A Disabling Condition? Most policies define a disabling condition as an injury or sickness that prevents you from doing the material and substantial duties of your occupation. How does your policy define disability condition and...

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Why It’s Crucial That Every Long Term Disability Applicant Pick The Right Date To Be Disabled

Date To Be Disabled Long Term Disability

One of the many challenges in applying for long term disability benefits is to determine the date that you become disabled and the date you should stop working. Before you stop working you should get out your disability policy and consider the following. What is the effective date of your long term disability coverage? If you become disabled before the effective date of your coverage, your long term disability carrier will deny our claim right off the bat on the basis that you’re not qualified for coverage. The Pre-existing Disability Clause Many disability insurance policies will have a pre-existing disability clause that prohibits the...

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Can I Apply For Social Security Disability Benefits Because of My Skin Disorder?

Skin-Disorder-Social-Security-Disability-Benefits

The Social Security Administration (SSA) has created a listing of Impairments to evaluate skin disorders and other conditions that can result from hereditary, congenital or pathological processes. These include: ichthyosis, bullous disease, dermatitis, chronic infection of the skin or mucous membrane, hidradenitis, suppurativa, and genetic photosensitivity. If you have a disability that meets the Listing criteria, the Social Security Administration will consider your skin condition as sufficiently severe to prevent you from performing substantial gainful work. As a result, benefits can be awarded at Step 3! But What About Durational Requirements for Social Security Disability? The SSA does require that these dermatological conditions...

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