Is it unethical when a LTD carrier denies my claim for benefits based on a psychological paper review?

Is it unethical when a LTD carrier denies my claim for benefits based on a psychological paper review? Yes, the Principles of Medical Ethics, from the American Psychiatric Association section 7(3) says it is “unethical for a psychiatrist to offer a professional opinion about a specific individual unless he has conducted an examination.” If your claim has been denied based on a psychological paper review we strongly suggests you consider an appeal. For example, the court in Shehann vs. Metropolitan Life Insurance Company, 368F.supp.2nd 228(S.d.n.y. 2005), explained “The Court discounts the opinions of psychiatrist who...

01 November

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Do I Really Need a Private Disability Insurance Policy if I have a policy through work?

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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...

01 November

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How Do I Hire the Right Disability Attorney?

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How Do I Hire the Right Disability Attorney? You have faithfully paid your disability insurance premium and now in your time of need a Long Term Disability carrier has denied you benefits. Long Term Disability benefit attorney, Nancy Cavey based in Florida, knows that getting insurance companies to pay individual disability claims is tough. But how do you a find an appropriate attorney? In this educational video disability insurance attorney Nancy Cavey gives you tips on how to hire an experienced disability attorney....

01 November

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What Should I Look For in a Disability Insurance Policy?

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What Should I Look For in a Disability Insurance Policy? 40% of Americans age 45 to 65 will suffer a disability that lasts 90 days sometime during their working career according to the Health Insurance Association of America. Even if you are young and healthy, you can become disabled as a result of an injury through no fault of your own. Without coverage, an unexpected disability can leave you without income and even lead to the filing of bankruptcy. While buying a disability insurance policy probably is not at the top of your list of things...

01 November

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I have chronic pain and the long term disability carrier says my pain is not “objective”. Do you have tips on how to prove I have pain so I can win my long term disability case?

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I have chronic pain and the long term disability carrier says my pain is not "objective". Do you have tips on how to prove I have pain so I can win my long term disability case? Yes! Nancy Cavey. a nationally know long term disabilty claims denied lawyer has written a free consumer guide on completing Activities of Daily Living forms call the Smart LTD Consumer Guide to Filing out Activities of Daily Living forms and Preparing for Your Home Visit. Hartford, Berkshire and UNUM long term disablity denied lawyer Nancy Cavey also suggests that...

Author: Nancy Cavey