04 April

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What’s the purpose of having a vocational expert testify at a Social Security Disability hearing?

A vocational evaluator at a Social Security Disability hearing assists the Administrative Law Judge in determining whether or not there are “a significant number” of jobs you may be able to perform given your age, education, prior work experience and residual functional capacity. A vocational evaluator will also render an opinion as to whether or not you can return to your past relevant work which step four of the five step sequential evaluation. At step five you will be called in to discuss whether or not you have transferable skills to other work that might exist in the national economy. Attending the cross...

23 March

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Inside Six Secrets to Getting the Right Long Term Disability Policy

Posted by Nancy Cavey

in Long Term Disability

Nancy Cavey, an ERISA long term disability attorney based in the Tampa Bay area has written the go to guide entitled Robbed of Your Peace of Mind, which helps explain some examples of getting the right long term disability policy. While there are many policy terms you do not want to see in a long term disability policy there are six features that make for a great long term disability policy: 1. A policy that pays disability benefits if you are unable to do your specific job. Many long term disability policies pay benefits based on a persons occupation not based on their...

21 March

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Learn How Easily Carriers Like UNUM Have Denied Mental Illness Claims

Posted by Nancy Cavey

in UNUM Insurance Company

UNUM has been the subject of a national lawsuit as a result of it’s claims handling which is ultimately settled. But unfortunately, UNUM continues to engage in questionable claims handling process. Many UNUM policies have a provision that provides that the long term disability claims can be terminated under a mental nervous limitation. Most mental nervous limitations provide that benefits will be paid for two years at which time the benefits will be stopped. While we understand that policy limitation, what happens if the UNUM policy holder has a herniated disc which causes depression or anxiety. Obviously it's the physical condition that...

16 March

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Can long term disability Carriers sue me for a refund of my long term disability benefits?

Posted by Nancy Cavey

in Uncategorized

Can long term disability Carriers sue me for a refund of my long term disability benefits? Unfortunately, one of the techniques that long term disability carriers seem to be using these days is to terminate long term disability benefits and then attempt to sue policy holders asking for a refund of benefits. Saying that they were “defrauded” This is just one of the many games that long term disability carriers will play to rob you of your peace of mind. If the long term disability carrier is seeking a refund of all the long term disability benefits paid, contact long term disability...

07 March

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One of the Reasons a Long Term Disability Carrier Can Deny Your Benefits Based on Your Facebook Account

Posted by Nancy Cavey

in Insurance Carriers

Long term disability carriers will do anything they can to find a reason to deny your long term disability benefits. They will often have you fill out an activity of daily living form, asking you what you can and cannot do on a daily basis. The long term disability carrier will then check social networking sites to see if there is any inconsistencies between what you put on your activity of daily living form and what your postings shows. Anything that you’ve posted is going to end up in the hands of a long term disability carrier. Don’t destroy your long term...

03 March

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The Two Ways to Submit a Winning Social Security Disability Application

Posted by Nancy Cavey

in Uncategorized

You can apply for Social Security Disability benefits online or at the Social Security Disability office. Regardless of where you apply, there are two secrets to creating a Social Security Disability application. You should supply complete information about your medical treatment sources including their name and address. After your Social Security Disability claim is taken at the St. Petersburg Social Security Disability office, it is transferred and assigned to a disability examiner. The job of the examiner is to do: Request your medical records. Wait for your records to arrive. Read and evaluate those records. Render a decision on the claim. You medical records are key to...

03 March

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Did you know that Social Security Disability is also a form of government insurance?

Posted by Nancy Cavey

in Latest News

Yes! Look at your pay check, you will see that there are withholdings called FICA. A FICA withholding is a form of payment that goes towards insuring you for Social Security Disability purposes. You have to have paid in twenty out of the last forty quarters to have earned enough “coverage” for the Social Security Disability claims process....

Author: Nancy Cavey