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Author: Nancy Cavey > Articles posted by Nancy Cavey (Page 76)

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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Problems You Might Have While Traveling while Recieving Social Security Disability Benefits

If you are a United States citizen you can continue to receive Social Security Disability payments while outside the United States so long as continue to qualify for them. But if you travel to North Korea, Cambodia, Cuba and regions of the former Soviet Union, your payment will be withheld but will restart again once you return to the United States. The United States government considers being outside the United States: “for travelling for more than 30 days in a row in a location that is not in the United States.” You can visit countries...

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Give Me Five Minutes and I will Explain Why You may Entitled to Social Security Disability Benefits for Skin Conditions

Skin disorders may become so bad that you may unable to work. Your skin is the largest organ in the human body. And any condition affecting your skin can make your life miserable. Skin disorders are listed on the Social Security Administration (SSA) List of Impairments that may make you eligible for Social Security benefits. They include: 1.      Ichthyoids 2.      Bullous Disease 3.      Chronic Skin Infection/Chronic Mucus Membrane Infections 4.      Dermatitis 5.      Hidradenitis Suppuratida 6.      Genetic Photosensitive Disorders like Xeroderma Pigmentosum 7.      Burns The Social Security Administration will evaluate each of these skin conditions to determine how it impacts you ability to work. They will consider the following: 1. Severity...

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Do I Really Need a Private Disability Insurance Policy If I Have a Policy Through Work?

Do I Really Need a Private Disability Insurance Policy If I Have a Policy Through Work? ERISA Long Term Disability lawyer Nancy Cavey says yes. Many disability insurance policies provided by your employer only provide you with 60% of your salary with a maximum of $5,000-$10,000 in benefits. However, these benefits are taxable and you will get less than the 60% that you are used to. Can you and your family survive on 60% or less of your current income? Probably not. Private disability insurance attorney Nancy Cavey suggests that you buy a supplemental private disability...

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Arthritis and Your Rights to Social Security Disability Benefits

Arthritis which effects over 40 million Americans according to the Center for Disease Control and Prevention is one of the most common causes for disability in the United States. There are over 100 different types of arthritis which can be related to wear and tear of the cartilage, inflammation, over active immune system and other causes. Regardless of the cause, arthritis pain can be disabling and can prevent you from working. If your doctor has diagnosed you with arthritis and has told you that you should no longer work, you should consider applying for Social Security Disability benefits. Join countless others for...

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Fibromyalgia and Your Claim for Social Security Disability Benefits

Fibromyalgia affects more than 6 million people in the United States. You may be entitled to Social Security Disability benefits if you suffer from Fibromyalgia. Nancy L. Cavey, Pinellas and Hillsborough County Fibromyalgia Social Security Disability Benefits claims denied attorney has represented numerous individuals in their Social Security Disability claims for Fibromyalgia. It is important if you are a Fibromyalgia sufferer to not only get the treatment that you deserve but to tell your story so that your symptoms are well documented in your medical records. This will also help you with your Social Security Disability application. At the American Foundations Spotlight on...

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Why Do Long Term Disability Companies Complain About Paying For Conditions Like Lupus, CFS, Fibromyalgia or Other Self-Reported Conditions?

Getting insurance companies to pay disability benefits for medical conditions like Lupus, CFS, or Fibromyalgia is tough. Long Term Disability insurance companies like UNUM Provident, UNUM Life, ETNA, Standard, Prudential, Hartford, CIGNA, C.N.A. Liberty Mutual, Paul Revere, Reliance, MetLife and others do not like paying for conditions like CFS, Lupus and Fibromyalgia. If you are a Long Term Disability applicant or your CFS, Lupus or Fibromyalgia claim has been denied you need to watch this video:

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I Do Not Have Enough Work Credits to be Covered For Social Security Disability, Am I Out of Luck?

If you don’t have enough work credits to be insured for Social Security Disability benefits, take heart. You may qualify for Supplemental Security Income (SSI), which is a disability program that is based on your income and resource levels. If you have any questions about the current income or asset limits of the SSI disability program, you should contact your local Social Security office. Remember that certain assets are not includable in the calculation, such as your primary vehicle and residence. The Law Firm of Nancy L. Cavey, based in Pinellas County, can assist you with your denied Social Security Disability claim....

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