14 June

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How to Find Low Cost Health Care Options if You Are On Short or Long Term Disability Benefits

It is not uncommon for short and long term disability applicants to lose, at some point, their group health insurance coverage when they are terminated by their employer. It is important that you get medical care not only for the treatment of your disabling condition or you are generally required by the terms of the disability policy to prove on going treatment. If you find yourself uninsured and unable to afford health care while you are collecting long term disability benefits, you should consider the following low cost health care options: Enroll in community health centers. There are many community...

14 June

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Myofascial Pain Syndrome Disability

Posted by Nancy Cavey

in Fibromyalgia Disability Claims

[vc_row][vc_column][vc_column_text]You may have fatigue or brain fog, your doctor may have diagnosed you as having a condition known as fibromyalgia or Myofascial pain syndrome. If you have been diagnosed with having fibromyalgia you should immediately apply for Social Security Disability benefits. If your fibromyalgia Social Security Disability claim has been denied, don’t give up, you should appeal the decision and any denial of the Request for Reconsideration. Don’t be discouraged, it is, unfortunately, very common for fibromyalgia Social Security Disability claims to be denied benefits at the initial and request for reconsideration stage. Many fibromyalgia Social Security Disability claims are won...

13 June

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The Dirty Secret about UNUM’s Disability Questionnaires

Posted by Nancy Cavey

in Insurance Carriers

UNUM disability applicants will be asked to complete a number of questionnaires including an activity of daily living form. Do you think that UNUM is interested in your well being and that of your family by asking these questions. Absolutely not, long term disability carriers, including UNUM will deny disability benefits if you are capable of “sedentary” work. The US department of Labor defines sedentary work as the “ability to exert up to 10 pounds of force occasionally, spending most of the time on walking and standing on an occasional basis.” Long term disability carriers like UNUM will use activity of daily living...

09 June

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Six Most Common Reasons for Disability Insurance Policy Denials

Posted by Nancy Cavey

in Long Term Disability

You should protect your income, particularly if you are a small business owner or a professional like a doctor, lawyer or dentist. Before you apply for disability insurance polices, you should know the six most common reasons for your disability insurance carrier to say no to your disability application and refuse to cover you. These include: Your health, age or build High risk or uninsurable job Self- employment where you work out of the home. Working oversees Too much existing disability insurance coverage Not enough income If your disability application has been denied, you should sit down and have a conference with your agent to learn the...

31 May

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Lincoln Financial’s Quartly Dividend Revealed

Posted by Nancy Cavey

in Insurance Carriers

In a recent news article, Lincoln Financial Group has filed a quarterly dividend. The cash dividend of $0.05 per share on the corporation's common shares and $0.75 per share on its $3.00 Cumulative Convertible Preferred Stock Series A. For more information about Lincoln Financial quarterly dividend, read the article here: Lincoln National Corporation's Board of Directors Declares Quarterly Dividend...

31 May

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SSA Quickens Social Security Disability Claims for Wounded Warriors

Posted by Nancy Cavey

in Latest News

In a recent news article that can be found on the Army.mil website, the Social Security Administration plans to quicken the process for our Wounded Warriors to claim their Social Security disability benefits. This is helping those who are on active duty, receive their Social Security disability benefits a lot quicker then before. Even those in the military can apply for SSD benefits and receive them even while receiving military pay....

23 May

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If Your Doctor Has Diagnosed Heart Failure and You Are Taking Medications that Cause Side Effects You May Be Entitled to Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Many Americans who purchased long term disability benefits to protect them in the event that they are unable to perform their occupation. If you haven diagnosed with heart failure, you may be entitled to long term disability benefits. To help manage your heart failure you should: Monitor you weight. Take medication as directed. Limit your salt and sodium intake. Don’t smoke. Stay active. Your doctor may prescribe medications to help you with your conditions. Usually these medications are ace inhibitors, diuretics, glycosides, angiotensin receptor blockers and beta blockers. Unfortunately, these medications can cause significant side effects which impair your ability to work. If your physician has told...

Author: Nancy Cavey