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Author: Nancy Cavey

CaveyLaw.com > Articles posted by Nancy Cavey (Page 6)
18 May
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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

Posted by Nancy Cavey
in Initial Application, Social Security Disability (SSD)
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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08 May
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Lupus Symptoms That Every Long Term Disability Carriers Expect To See In A Policy Holder’s Medical Records

Posted by Nancy Cavey
in Long Term Disability
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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16 April
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The 3 Myths and 3 Facts About Social Security Disability Insurance That You Need To Know

Posted by Nancy Cavey
in Social Security Disability (SSD)
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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19 March
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Why Do Insurance Companies Deny Short Term Disability Benefits or Cut Off Benefits During The Short Term Disability Period?

Posted by Nancy Cavey
in Insurance Carriers
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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06 March
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What Every Long Term Disability Applicant Needs to Know About Having the Right Medical Support For Their Disability Claim

Posted by Nancy Cavey
in Long Term Disability
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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02 March
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Why It’s Crucial That Every Long Term Disability Applicant Pick The Right Date To Be Disabled

Posted by Nancy Cavey
in Long Term Disability
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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01 March
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Can I Apply For Social Security Disability Benefits Because of My Skin Disorder?

Posted by Nancy Cavey
in Skin Disorders, Social Security Disability (SSD)
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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13 February
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The Three Things That Social Security Disability Examiners Do When Reviewing Your Medical Records

Posted by Nancy Cavey
in Social Security Disability (SSD)
Social Security Disability Examiners Reviewing Your Medical Records

When you apply for Social Security Disability benefits you’ll be asked to provide a list of your medical providers so that the SSA can gather your medical records. Once your records have been received, the Social Security examiner will review the records and make a decision whether you’re entitled to disability benefits. Your medical records can make or break your initial application. Your medical records must show not only the severity of your symptoms but how your symptoms impact your ability to function on a daily basis. The 5 Steps To Your Social Security Benefits To be eligible for Social Security Disability benefits...

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12 February
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Five Things Every Long Term Disability Policy Holder Should Know About Submitting a Notice of Claim

Posted by Nancy Cavey
in Long Term Disability
Submitting a Notice of Claim Long Term Disability

Long term disability carriers don’t make it easy for policyholders to get the disability benefits they deserve. Unfortunately, you can make crucial mistakes from the very beginning of your claim including how and when you submit a notice of claim. Before you “give notice” to the disability insurance company, you should do the following: (1) first, determine whether you have a claim, (2) whether your medical records support your claim, and (3) pick the right day to stop working. Only when you have done those things should you, or better yet, your attorney send the disability carrier (4)  your notice that you will be filing a disability...

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05 February
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If I Return to Work Should I Withdraw My Social Security Disability Application?

Posted by Nancy Cavey
in Social Security Disability (SSD)
Return to Work Social Security Disability Claim

It depends! Given the time it takes for the Social Security Administration to make a decision; many people have to return to work in some capacity. How much you make a month will impact ultimately, whether your Social Security application will be denied. If you make more than $1,100 per month your claim will be denied because you have “substantial earnings”. There may be months where you earn more or less or you may consistently earn less than $1,100 per month. Whether to withdraw the application prior to the hearing depends on the facts of each case. What We Recommend For You...

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Law Office of Nancy L. Cavey
We are a full service disability law firm specializing in Long Term Disability , ERISA, Social Security Disability, Individual Disability Claims , and Workers' Compensation Claims. We want to help you get the disability benefits you deserve for your claim. We offer a free consultation and free helpful guides to help educate you, the consumer with questions you may have. Disability Law - It's Cavey Law - make the call 727-894-3188.

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