What Should I Look For in a Disability Insurance Policy?

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?

Posted by Nancy Cavey

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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...

01 November

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No. 11 – Can I refuse to attend a neuropsychological exam at a long-term disability carrier?

Posted by Nancy Cavey

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If a long-term disability carrier is scheduling you for a neuropsychological exam, I strongly suggest that you contact an attorney like Nancy Cavey immediately! Nancy Cavey is familiar with the neuropsychologists routinely used by long-term disability carriers. We won't ever refuse an exam, but there are a number of things that can be done to protect your interests. These include: (1) obtaining your own neuropsychological exam before attending the long-term disability carrier's neuropsychological exam; (2) videotaping the independent medical examination; (3) limit the carrier's neuropsychological review to the raw data of your examination. To discuss...

01 November

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No. 10 – The seven things long-term disability policyholders should do.

Posted by Nancy Cavey

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No. 10 - The seven things long-term disability policyholders should do. Nancy Cavey, Hillsboro and Pinelas Counties disability insurance company lawyer, suggests that longer-term disability applicants call and: (1) get a copy of their policy; (2) read the policy and the directions for filing their claim and follow every step; (3) make a copy of everything you send to the disability carrier; (4) send everything to the long-term disability carrier with return receipt request to prove that you sent the material; (5) if you speak with the adjuster, which Nancy Cavey does not suggest you do, document every telephone conversation; (6)...

01 November

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No. 9 – Has your claim for long-term disability benefits been denied on the basis that you haven’t been putting forth your best efforts?

Posted by Nancy Cavey

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No. 9 - Has your claim for long-term disability benefits been denied on the basis that you haven't been putting forth your best efforts? Long-term disability carriers routinely hire companies such as the Reid Group, to review long-term disability claims. Unfortunately, the Reid Group will use, as a basis for denying claims, an allegation that a psychiatrically disabled person hasn't put forth their best efforts in neuropsychological testing based on tests of memory validity. The Reid Group will conclude that you haven't been "cooperating" under the terms of the plan. If your claim for long-term ...

Author: Nancy Cavey