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Author: Nancy Cavey > Articles posted by Nancy Cavey (Page 75)

UNUM’s 2008 Profits Come at the Expense of Long-Term Disability Policy Holder’s Piece of Mind | Clearwater ERISA Disability Attorney

UNUM's 2008 Third Quarter Profits  are in! UNUM reported a "net income of $108.00 million in the third quarter of 2008 compared to a net income of $187.00  million in the third quarter of 2007". Mr. Thomas R. Watjen, president and CEO, commented in an article found at that he was "pleased with our operating results and the quality of our balance sheet . . ." UNUM's profits coming at the expense of UNUM LTD Policy Holder's peace of mind. UNUM is robbing their long term disability policy holders by denying  valid long term disability...

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Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend Like Allsup? | Clearwater ERISA Disability Attorney

Many long-term disability insurance policies require you to apply for Social Security disability benefits, and will offer the services of companies like Allsup, Occudanta, Advantage 2000, Disability Services, Inc. to help you with your Social Disability Claim. Should you use these companies? As an experienced long-term disability/ERISA and Social Security disability Attorney. My answer is unequivocally "No"! In fact, UNUM was convicted on making LTD applicants apply for Social Security disability even if the applicant was not entitled to or qualified or eligible for Social Security disability. Of course, some may think my answer is based on...

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Do My Doctor’s Records Make A Big Difference?

Insurance companies have a good ol’ boy network of doctors that cherry pick your doctor's medical records in favor of the disability insurance company. This good old boy network reports only what the disability insurance company wants to hear to the disability carrier such as Liberty Mutual, Reliance, MetLife, Hartford or CIGNA deny your Long Term Disability claim. Your doctor's records do make a big difference in the insurance company review process. Tampa Bay disability attorney Nancy Cavey has an educational video explaining to you why your doctor's records make a big difference.

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What does it cost to get a Social Security Disability attorney in Tampa?

Did you know that the Social Security Administration determines the maximum fee that can be charged for a Social Security Disability case? Currently, it's 25% of the retroactive dollar amount of the Social Security benefits awarded not to exceed the maximum amount. If you don't receive your Social Security benefits, there is no fee! There may of course, be charges for items in addition to an attorney's fee such as securing your medical records or having your doctor complete what's called a residual functional capacity forms. For more information about the Social Security Disability claims process, order...

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Are You Afraid You Can’t Afford a Social Security Disability Lawyer?

Don't be afraid! Social Security Disability lawyers fee is subject to Social Security rules and regulations. In fact, the rules say that an attorney can't take a fee upfront and, for the most part, Social Security Disability lawyers aren't allowed to bill by the hour or collect a payment for representing a client! So does a Social Security Disability attorney get paid? The Social Security Disability attorney's fee rules say that an attorney can get 25% of the back payment that you may be entitled to. Remember, while the Social Security Administration sets...

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The Black Hole of Social Security Disability Denials and Protecting Your Claim for Social Security Disability Benefits

The Social Security Disability claims process is no doubt very complicated. After your initial application is filed, you probably have to wait sixty to ninety days before you get a decision. If your case is denied, you have three options. They are: Give up. File a brand new Social Security Disability claim. Appeal the denial with the sixty day time frame. What should you do?...

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Get Rid of Those Sleepless Nights because you Can’t Work, Your Rights to Social Security Disability Benefits and Breast Cancer

Did you know that one and eight women suffer from breast cancer? If you become disabled as a result of breast cancer, you may be entitled to Social Security Disability benefits if you can’t work. At The Law Office of Nancy L. Cavey, Social Security Disability attorneys who specialize in breast cancer Social Security Disability cases, we know how the treatment for breast cancer can leave you exhausted mentally, physically and emotionally. Side effects of medication can also lay you low. For more information on your rights to Social Security Disability benefits for breast cancer, contact Kenneth City and Pinellas...

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What Percentage of My Income Should My Long Term Disability Policy Cost On an Annual Basis?

What Percentage of My Income Should My Long Term Disability Policy Cost On an Annual Basis? Long Term Disability policy premiums will depend on your age, gender, health history and your occupation. An important factor is the policy elimination period which is a specific length of time that you would go without getting benefits. People usually choose a ninety-day period of time to go without benefits at the onset of their disability. When that time is up, the company starts paying you benefits. The longer your elimination period, the cheaper your premium. I’ve seen it...

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Depression and Your Rights to Social Security Disability Benefits

If you are suffering from depression, you may be entitled to Social Security Disability benefits. The Social Security Administration uses a five step sequential evaluation to determine entitlement to every claim for Social Security Disability benefits but, a claim for depression is different. If you are suffering from depression and are unable to work, you must prove the following: 1. Your depression must prevent you from doing any kind of work for at least twelve months. 2. Your depression must be considered severe. 3. You must meet a listing under the Social Security Administration rules for depression. If you don’t, as...

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Is the Definition of Disability Important In a Disability Policy?

Is the Definition of Disability Important In a Disability Policy? Absolutely. Most disability policies will provide a payment of two years of benefits if you are unable to engage in your own occupation. However, Long Term Disability carriers will fudge on the definition of disability. You need to make sure that you understand what your own occupation means.It can mean an inability to engage in the material and substantial duties of your own occupation as performed in the national economy or inability to engage in material and substantial duties in your own occupation as performed by...

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