30 August

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If You Are a Floridian who suffers from diabetes, You might be Entitled to Long Term Disability Benefits

According to report from US News, the southeastern United States has the highest rate of diabetes. According to the Center for Disease Control and Prevention (CDC), parts of Florida have a high incidence of diabetes. Unfortunately, if you’ve been diagnosed with diabetes, you may also suffer from complications such as tingling or numbness of your toes or hands or the loss of sensation in your extremities. You might have diabetic neuropathy or your diabetes may have impacted other organs. Diabetes and it’s complications may have led your doctor to tell you that you are no longer able to work. If you have purchased...

29 August

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The Secret to Getting Your Long Term Disability Benefits as a Result of Hearing Loss

Posted by Nancy Cavey

in Long Term Disability

Hearing loss has many causes, these can include: Heart disease Family history of hearing loss Working in a noisy environment Hearing loss effects more than just your ability to hear, it can limit your inability to interact with family friends and co-workers. If you have a long term disability policy and suffer hearing loss, you should apply for disability benefits. While it’s not uncommon for disability carriers to provide benefits while you are going through a treatment, including cochlear implants, don’t be surprised if the long term disability carrier denies benefits after your cochlear implant on the basis that you will be able to...

25 August

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Your Chances of Suffering a Heart Attack from Working Long Hours

Posted by Nancy Cavey

in Diseases

A recent report from CNN Health reveals that in a new study, working longer hours can increase a persons chance of suffering a heart attack. This study found that those who work 11 hours or more each day had an increased risk of suffering a heart attack or dying of heart disease by as much as 67%. Those who work 10 to 11 a day have a 45% increased risk compared to an American worker who works the typical 7 to 8 hour workday. If you have had a heart attack and are a long term disability policy holder, you may be...

25 August

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What’s an elimination period in a long term disability policies?

Posted by Nancy Cavey

in FAQs

What’s an elimination period in a long term disability policies? An elimination period is the amount of time you have to wait before you benefits kick in. Did you know that the typical elimination or waiting period for most long term disability policies in 90 days. That means that you better have an emergency fund that will tide you over so that you will be able to pay your bills and maintain your lifestyle during this elimination period. Need help with your Elimination period in your Long Term disability claim? Contact us today for more information on your options with your policy. 727-894-3188. ...

24 August

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Is Your Financial Future Vulnerable Because You Bought the Wrong Long Term Disability Policy

Posted by Nancy Cavey

in Long Term Disability

Many physicians, lawyers and accountants think that because they have a group long term disability policy through their employer, they don’t need to have an individual disability policy. That’s a big mistake that can jeopardize your financial future because: Most group long term disability policies cover 60% of base income and, have a monthly benefit cap. So, for example, you receive a great end of the year bonus, that bonus won’t be included in calculating your benefits. Worse yet, can you live off of 60% of your base income where your long term disability benefit is taxable. It is possible that an individual...

23 August

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How Much Long Term Disability Coverage Should I Have?

Posted by Nancy Cavey

in Uncategorized

How Much Long Term Disability Coverage Should I Have? The starting point for determining the amount of long term disability coverage that you should have is based on how much it would cost to maintain your families current standard of living. So, if your monthly budget is $3,000 per month, you want to have at least $3,000 in long term disability coverage so that you can maintain your families lifestyle if you become disabled. Have a question about your Long Term Disability policy or coverage? Give us a call today at 727-894-3188....

11 August

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Why Every Physician Should Make the Purchase of Having a Disability Insurance Policy Their Immediate Priority

Posted by Nancy Cavey

in Uncategorized

Did you know that statistics show that 70% of Americans have no disability insurance coverage at all. In fact, 3 and 10 Americans become disabled at some point before they retire. And even more frightening is that 60% of all personal bankruptcies are filed as a result of an inability to pay for medical expenses for loss of the ability to work. As a physician, you may think that you are too busy to deal with a disability insurance agent or that there is any value in having a long term disability policy. Well, doctor, I hate to tell you...

09 August

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The Truth About How Long Term Disability Carriers Try to Clean Up Their Books

Posted by Nancy Cavey

in Long Term Disability

Unfortunately, many long term disability carriers try to clean up their books every quarter just before they have to make quarterly reports to their share holders. It’s not uncommon for many long term disability policy holders to get letters stating that their long term disability benefits were denied or terminated. If you’ve been denied long term disability benefits in Virginia or your benefits were terminate, the clock is ticking. You have 180 days to appeal the insurance companies decision to deny or terminate your benefits and many long term disability carriers are waiting for that clock to run out hoping that...

Author: Nancy Cavey