02 November

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Long Term Disability Carriers Right to Be Repaid | LTD Lawyer in Florida

Most Long Term Disability policies provide that you must apply for Social Security Disability benefits. While they will pay you your full Long Term Disability benefits while you are waiting for you Social Security decision, they ask to sign a repayment agreement where you agree to repay the Long Term Disability carrier any overpayment that’s owed as a result of them not reducing your Long Term Disability benefits by the anticipated receipt of your Social Security benefits. When you are awarded Social Security Disability benefits you will get what’s called a disability back pay. What is that? It is money owed...

02 November

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LTD Disability Claim Denials Based on the Lack of Clear Clinical Information!

Posted by Nancy Cavey

in Long Term Disability

What: Claims Denied | Long Term Disability Why: Lack of Clear Information Unfortunately, Nancy Cavey sees many Long Term Disability claims denied based on the medical opinions of hired guns who will make statements like, “the file lacks of clear, sequential, detailed, objective clinical information, which will completely preclude the claimant for an attempt at a return to work.” In a recent case of Saffron v. Wells Fargo & Co. Long Term Disability Plan, 2009 US District Lexis 84152, 12-14 (CD. Cal. September 15, 2009), MetLife was scolded for relying on the medical opinions of Dr. Thomas and Dr. Menadi who strung together,...

02 November

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Workers Compensation Benefits and LTD Benefits | What You Need to Know

Posted by Nancy Cavey

in Long Term Disability

If you have been involved in a Workers Compensation claim, you may also be entitled to Long Term Disability benefits if you purchased this policy through your employer. There is an opportunity to apply for additional compensation benefits. If you have been involved in a work place accident, Nancy Cavey, experienced Long Term Disability attorney, suggests that you get a copy of your Short Term and Long Term Disability policy. It is crucial to integrate the claims for Short Term Disability and your Workers Compensation benefits. More often than not, employers are self insured for Short Term Disability benefits and it is...

02 November

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Long Term Disability Carriers Misrepresent Policies | ERISA Attorney in Tampa

Posted by Nancy Cavey

in Long Term Disability

Sometimes Long Term Disability carriers will normally misrepresent to the policyholders that their insurance policy is subject to the ERISA law. Why do they do that? Because under ERISA there are no remedies under state law, including punitive damages for showing bad faith claims handling. Under state law there is no right to a jury trial. Long Term Disability carriers want to hoodwink you into thinking that your Long Term Disability policy is an ERISA policy to limit your rights. Some Long Term Disability carriers own manuals will admit that such a misrepresentation is misleading. Long Term Disability carriers are obligated to...

02 November

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How Your Doctor Can Destroy Your Long Term Disability Claim | LTD Attorney

Posted by Nancy Cavey

in Long Term Disability

What: Doctors and Your Long Term Disability Claim Unfortunately, some treating physicians are uncooperative and don’t want to get involved in Long Term Disability claims. Because they choose not to get involved, Long Term Disability carriers, like UNUM, will interpret the doctor’s failure to get involved to mean that you have no restrictions and limitation and are not entitled to Long Term Disability benefits. Even if your doctor states that he only treats you and hasn’t evaluated your restrictions and limitations, the carrier will misconstrue that comment. If your treating doctor is unwilling to help you with your Long Term Disability claim...

02 November

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President Obama | H1N1 Virus and Long Term Disability Claims

Posted by Nancy Cavey

in Long Term Disability

President Obama has declared the swine flu a national emergency. Federal agencies have recommended that businesses be flexible and let sick workers with the swine flu stay home. Unfortunately, there are some individuals who have become severely ill with swine flu and have been hospitalized and even died. If you or a loved one is suffering from swine flu and have a short or long term disability policy, be sure that you apply for your benefits immediately. If your short term disability benefits are denied, contact swine flu denied claim disability attorney Nancy Cavey who can assist you with your claim. ...

02 November

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Using Non Attorney Representative Groups | TV Ads Like Alsup

Posted by Nancy Cavey

in Long Term Disability

What: Using Non Attorney Representative Groups I’m sure that you’ve seen ads on the TV for companies like Alsup, or Binder & Binder that provide representation on Social Security Disability cases. Did you know that a majority of their business has been commercially based? What they means is that they’ve entered into contracts with large insurance companies and employers to provide Social Security Disability claims services to their disabled employees. You should particularly if you are a Long Term Disability applicant that people like Jim Alsup, the founder for Alsup & Alsup, have been quote as saying “every dollar we pay in...

02 November

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Leading Cause of Long Term Disability is Driving | LTD Attorney Florida

Posted by Nancy Cavey

in Long Term Disability

What: Leading Cause of Long Term Disability Claims Who: United States Source: Seattle Post In a recent news article in the Seattle Post, it states that the leading cause of long term disability in the United States is fatal car accidents, or as the article titled it "Driving". it also states that driving is a risky task that people need to be more aware of. Car accidents lead to all kinds of serious injuries and its not a surprise that this is the leading cause of long term disability claims. At the AAA Foundation Web site, chief executive officer Peter Kissinger repeatedly calls the...

02 November

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Settlement Agreements and Your Long Term Disability Claim | Tampa Long Term Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

It is not uncommon as part of the settlement negotiations of a Long Term Disability claim that the disability carrier ask that you sign a release. Often, they will ask for this release at the end of the settlement negotiations. At Cavey and Barrett, Nancy Cavey, Tampa based Long Term Disability lawyer, insists that the Long Term Disability carrier provide us with a copy any proposed release before we start talking about settlement. Many releases are, quite frankly, overbroad and ask you to release all sorts of claims including asking you to never to apply for disability or life insurance through...

02 November

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Insurance company employee Convicted in Disability Scheme | Florida Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

What: Disability Claim Scheme Where: New Jersey Who: LaShondrea Tucker According to an IFA news brief, LaShondrea Tucker, who was employed as a disability claims manager for Prudential Insurance Co., admitted that between Sept. 22, 2003, and March 23, 2004, she created fraudulent disability claims using the names and other identifiers of actual people enrolled in a teachers’ disability plan. Tucker admitted that she diverted 21 checks and two electronic fund transfers, totaling over $94,100. http://ifawebnews.com/2009/12/21/insurance-company-employee-sentenced-for-disability-insurance-scheme/...

Author: Nancy Cavey