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Author: Nancy Cavey > Articles posted by Nancy Cavey (Page 80)

No. 6 – The Long-term Disability Carrier is trying to talk with my treating physician behind my back. What should I do?

No. 6 - The Long-term Disability Carrier is trying to talk with my treating physician behind my back. What should I do? Unfortunately, it's not uncommon for the long-term disability insurance company to use the medical release which you signed to communicate directly with your treating physicians without notice to you. They will also tell your treating physician their version of your medical condition and your policy terms in an attempt to get the physician to release you to some form of employment. In the case of Safon v. Wells Fargo & Company, Long-term Disability Plan,...

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No. 5 – What every medical professional needs to know about ERISA

No. 5 - What every medical professional needs to know about ERISA It is important that medical professionals understand their long-term disability policy so they can prevent the disaster of being disabled and being unable to recover the benefits they deserve. Did you know that there are three types of disability policies? Do you know which kind you have? The first is an individual disability policy, which you may have purchased directly from a carrier and which provides you long-term disability benefits in the event of sickness or injury. Do you know that there are two types of...

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When Should I Contact a Social Security Disability Attorney?

At The Law Office of Nancy L. Cavey,  our social security disability professionals suggest that you contact a Social Security Disability attorney before you file a claim for benefits so that you understand the five step Social Security Disability process and what steps you have to take so that you should be receiving Social Security Disability benefits, it’s not a simple as may think and attorney Nancy L. Cavey has written a free consumer “Your Rights to Social Security Disability Benefits” to help you with the Social Security Disability process, you can order your free, no obligation copy by call...

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No. 4 – The 2008 economy and the payment of long-term disability benefits.

No. 4 - The 2008 economy and the payment of long-term disability benefits. At the Law Office of Nancy L. Cavey we are seeing a "slow pace strategy" by long-term disability carriers. We have found that carriers aren't "receiving paperwork," asking for the same information over and over, suggesting that they need information, indicating that there is a delay in getting information from physicians. These are all delay tactics that the carriers are using to delay payment to you. With stock prices down and a lack of investment income earnings, disability insurance companies are taking longer to determine disability claims and to...

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What are Costs in a Social Security Disability Claim?

Many times Nancy Cavey, Pinellas and Hillsborough County Social Security Disability attorney, will contact your doctor and ask them to fill out what is called a residual functional capacity form. She always gets her medical records from the treating physicians. At The Law Office of Nancy L. Cavey, we prepay the expenses associated with getting these records or these forms filled out. Costs can vary depending on the number of medical doctors you have seen, the size your medical records and whether we need to have your doctor fill out a residual functional capacity form. Costs rarely run over $350.00. The Social...

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I Have Received Notification that There is Going to be a Vocational Expert at my Social Security Disability Hearing, Why?

table.MsoNormalTable { font-size: 12pt; font-family: "Cambria","serif"; } As previously explained in other posts, there is a five step sequential evaluation process that every Social Security Disability claims goes through. At steps four and five there is a question about whether or not you can return to the lightest job you’ve held in the fifteen years prior to your disability based on your age, education, training, work experience and your physical and mental difficulties. The vocational expert will be given a hypothetical by the administrative law judge and asked whether or not you are capable...

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I am Confused: Why Shouldn’t I just File for Social Security Retirement Benefits instead of Social Security Disability Benefits?

table.MsoNormalTable { font-size: 12pt; font-family: "Cambria","serif"; } What a great question, the Social Security Disability Insurance program is just that, an insurance program that you pay for as a result of the deductions from your paycheck. If you are disabled and unable to work we believe that you should apply for Social Security Disability benefits and not Social Security Retirement benefits. Here’s why: 1. You have to be age 62 or older to apply for Social Security Disability Retirement benefits. 2. The Social Security Retirement benefits are based on your average earnings during your work life. If you have...

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If I get Social Security Disability Benefits Will My Dependents Also Get Benefits?

Absolutely! If you get Social Security Disability benefits, other family members qualify for benefits including: 1.      Children under 19 who have not finished high school. 2.      Your spouse who is caring for a child under the age of 16. 3.      Your spouse over age 62. At Law Office of Nancy L. Cavey, we help you apply for Social Security Disability dependent benefits so that qualified family members also receive Social Security Disability benefits. For a free, no-obligation consultation regarding your rights to Social Security Disability benefits contact Nancy Cavey at 727-894-3188....

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Should I Stop, Should I Go: When Should I Apply for Social Security Disability Benefits?

In the Tampa Bay Area the delay in getting Social Security Disability benefits is over 24 months. No matter what your personal situation is, Nancy L. Cavey, Social Security Disability attorney urges you to apply for Social Security Disability benefits immediately. Did you know that Social Security will pay benefits retroactively for twelve months before you file? If you wait, you can lose retroactive benefits and, more importantly, delay your entitlement to Medicare. Another important reason not to delay is that even though you have paid into the Social Security Disability system, your eligibility for Social Security Disability benefits has to...

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How Much Will I get if My Disability Benefits are Approved?

Disability insurance policies normally pay a percentage of your salary, I say “normally.” Most disability insurance policies begin the calculation of benefits based on what is called based monthly earnings or BME. This is always an issue in physician disability policies; you may be paid on a bonus basis, partnership earnings, consulting income, the sale of property owned by partners or other salary arrangements. I’ve been involved in litigation involving the sole question of how to calculate the base monthly earnings when a medical provider become disabled. You must know the answer to this question before you decide when to apply for disability...

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