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Author: Nancy Cavey > Articles posted by Nancy Cavey (Page 69)

Insurance company employee Convicted in Disability Scheme | Florida Disability Lawyer

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.

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Man Who Became Disabled by Unprotected Sex Denied Disability Award | Florida Disablity Insurance Lawyer

What: Disability Claim Denied Where: BC Canada Who: Randolph Gibbens A man in Canada who had unprotected sex and contracted a disablity in which left him paralyzed has lost his case in trying to bring his disability claim. Randolph Gibbens had contracted herpes in unprotected sex and became a paraplegic after the disease had ran its course and lost a $200,000 Supreme Court Case. According to the ruling, "The case, which pitted the Co-operators Life Insurance Company against the former high-pressure water blaster, centred on the meaning of the word "accident" in deciding insurance claims." ...

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Long Term Disability Features for Medical Professionals and Attorneys | Know Your Benefits

As a highly paid specialized medical or legal professional you need to adequately protect your income in the case of disability. There are several features that you should consider in purchasing a Long Term Disability Policy. Any policy should have the following features: 1. Recognizing the specialty or sub speciality that you practice 2. Protect your disability benefit if you experience a reduction in earnings over time due to progressive illnesses 3. Protect you if you've contracted an infectious or contangious disease which is not disabling but results in a loss of income 4. Provides continued benefits for a number of months after a return...

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The Doctor Who Could No Longer Be a Surgeon: The Tale of a Long Term Disability Claim

Many physicians buy Long Term Disability policies which provides that disability benefits will be paid if they are unable to engage in their own occupation. If you have such a policy, I strongly suggest that you get out your policy and read the language. You must understand what the definition of total disability is. Some policies will define "total disability" as "unable to perform any job for which you are reasonably qualified or may become qualified because of your education, training or experience," that's an awful broad definition of a disability. These cases are usually dependent on policy language. As a...

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Long Term Disability Messes That Can Cause You Serious Financial Problems | Tampa Bay Disability Lawyer

Many people that buy Long Term Disability policy believing that after an accident or illness their lost income will be covered. That isn't correct! Did you know that a typical group policy only pays you 60% of your salary up to a specified limit? Such as $3,000, $5,000 or $7,500 per month? Long Term Disability group policies also don't replace lost income from commissions or bonuses. While getting Long Term Disability insurance because you have a one and three chance of becoming disabled and not being about to work 90 days or more at some point in your career, you do need...

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Did the Carrier Use The Wrong Expert? Long Term Disability Claim Denied Lawyer in Tampa Bay Florida

Long Term Disability carriers will routinely have a Long Term Disability claim reviewed by a panel of hired gun medical reviewers. We see these same reviewers time and time again. One of the most common mistakes Long Term disability carriers make is to use the wrong medical expert for the medical condition that is being claimed. Now that sounds dumb doesn’t it? The Florida federal regulations, which governs ERISA claim’s handling requires that the Long Term Disability carrier consult with a health care professional that has “appropriate training and experience in the field of medicine involved in the medical judgment,” 29...

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Insurer’s Wrongfully Deny Claims | No Legitimate Reason For Denial | Florida Disability Insurance Lawyer

In the L.A. Daily Journal, Evan George takes a look at California's disability insurance and finds that insurers wrongfully deny claims, despite findings by treating doctors and the federal goverment that they are too sick or hurt to hold a job. The first in a two part series, the story shows that insurers create incentives for employees to turn down claims. Once denied, workers must navigate a complicated bureaucracy that takes years. Of the cases that reach trial, judges found in nearly half the cases that the insurance companies had no legitimate reason to deny the claims. But because the injured workers...

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Long Term Disability and Fibromyalgia Syndrome | Florida Fibromyalgia Disability Lawyer

Close to 90% of disabling accidents and illnesses are not work-related, according to the National Safety Council Injury Facts 2008. One of the most disabling conditions is Fibromyalgia. If you have a long term disability insurance policy, Nancy Cavey, a Florida-based long term disability attorney, suggests that you get out your long term disability policy and see whether or not Fibromyalgia is one of the covered conditions under the terms of your policy. If you are a Fibromyalgia sufferer, Nancy Cavey suggests that you have a short and long term disability insurance on it before...

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Private Disability Insurance Policy | Private Disability Insurance Attorneys | St. Petersburg Florida

At Cavey and Barrett, your Florida based private disability insurance attorneys, we suggest that you purchase a private disability insurance policy. We found the private disability providers are more likely to live up to their own promise of providing a needed income in the case of disability. Making decisions and understanding a disability insurance policy can be complex and difficult. That is why we have written two great books, "Robbed of Your Peace of Mind" and "The Smart Long Term Disability Consumer Guide for Preparing Your Written Statements and Field Visit" Please do not hesitate to contact us for your...

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