02 November

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8 Things Every LTD Applicant Should Do Before Filing a Claim for Long Term Disability

Disability insurance companies like to collect premium but fight hard to protect their cash reserves denying claims to protect their cash reserves. This can lead to financial disaster for Long Term Disability policyholders. It is important that you understand the Long Term Disability claims process before you file a claim for Long Term Disability benefits. Disability insurance attorney Nancy Cavey suggests that before you file your Long Term Disability claim that you do the following 8 Things: 1. Find your policy 2. Read the policy and directions for filing your claim. Follow every step in the policy. 3. ...

02 November

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Warn Your Friends About Your Disability Claim | Florida LTD Lawyer

Posted by Nancy Cavey

in Long Term Disability

What: Warning Your Friends, Neighbors, Co- Workers and Business Partners About Private Investigation of Your Disability Claim When you apply for disability benefits, don’t be surprised if the disability insurance company is going to contact your friends, neighbors, co-workers and even business partners to take a statement. These questions will involve whether you’ve had an prior medical problems, prior legal or professional problems, what you are physically capable of doing, how active you might be, what problems or side effects you have with medication and a myriad of other questions. Your friends, neighbors, co-workers and business partners don’t have to answer...

02 November

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Multiple Sclerosis and Your Mobility Problems | Long Term Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

What: Multiple Sclerosis and Your Long Term Disability Claim In MS there are a number of mobility challenges you may experience because of weakness, spasticity and balance problems. Weakness is often accompanied by a stiff and heavy feeling in your legs. This weakness and spasticity in your trunk and legs can reduce your balance. It’s important that your medical records and physical therapy notes document the problems that you are having with weakness, spasticity, and balance problems, as those are important parts of your functionality. The Law Office of Nancy L. Cavey represent clients within Florida with Long Term disability claims involving MS,...

02 November

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Long Term Disability Carriers Right to Be Repaid | LTD Lawyer in Florida

Posted by Nancy Cavey

in Long Term Disability

Most Long Term Disability policies provide that you must apply for Social Security Disability benefits. While they will pay you your full Long Term Disability benefits while you are waiting for you Social Security decision, they ask to sign a repayment agreement where you agree to repay the Long Term Disability carrier any overpayment that’s owed as a result of them not reducing your Long Term Disability benefits by the anticipated receipt of your Social Security benefits. When you are awarded Social Security Disability benefits you will get what’s called a disability back pay. What is that? It is money owed...

02 November

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LTD Disability Claim Denials Based on the Lack of Clear Clinical Information!

Posted by Nancy Cavey

in Long Term Disability

What: Claims Denied | Long Term Disability Why: Lack of Clear Information Unfortunately, Nancy Cavey sees many Long Term Disability claims denied based on the medical opinions of hired guns who will make statements like, “the file lacks of clear, sequential, detailed, objective clinical information, which will completely preclude the claimant for an attempt at a return to work.” In a recent case of Saffron v. Wells Fargo & Co. Long Term Disability Plan, 2009 US District Lexis 84152, 12-14 (CD. Cal. September 15, 2009), MetLife was scolded for relying on the medical opinions of Dr. Thomas and Dr. Menadi who strung together,...

02 November

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Workers Compensation Benefits and LTD Benefits | What You Need to Know

Posted by Nancy Cavey

in Long Term Disability

If you have been involved in a Workers Compensation claim, you may also be entitled to Long Term Disability benefits if you purchased this policy through your employer. There is an opportunity to apply for additional compensation benefits. If you have been involved in a work place accident, Nancy Cavey, experienced Long Term Disability attorney, suggests that you get a copy of your Short Term and Long Term Disability policy. It is crucial to integrate the claims for Short Term Disability and your Workers Compensation benefits. More often than not, employers are self insured for Short Term Disability benefits and it is...

02 November

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Long Term Disability Carriers Misrepresent Policies | ERISA Attorney in Tampa

Posted by Nancy Cavey

in Long Term Disability

Sometimes Long Term Disability carriers will normally misrepresent to the policyholders that their insurance policy is subject to the ERISA law. Why do they do that? Because under ERISA there are no remedies under state law, including punitive damages for showing bad faith claims handling. Under state law there is no right to a jury trial. Long Term Disability carriers want to hoodwink you into thinking that your Long Term Disability policy is an ERISA policy to limit your rights. Some Long Term Disability carriers own manuals will admit that such a misrepresentation is misleading. Long Term Disability carriers are obligated to...

02 November

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How Your Doctor Can Destroy Your Long Term Disability Claim | LTD Attorney

Posted by Nancy Cavey

in Long Term Disability

What: Doctors and Your Long Term Disability Claim Unfortunately, some treating physicians are uncooperative and don’t want to get involved in Long Term Disability claims. Because they choose not to get involved, Long Term Disability carriers, like UNUM, will interpret the doctor’s failure to get involved to mean that you have no restrictions and limitation and are not entitled to Long Term Disability benefits. Even if your doctor states that he only treats you and hasn’t evaluated your restrictions and limitations, the carrier will misconstrue that comment. If your treating doctor is unwilling to help you with your Long Term Disability claim...

02 November

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President Obama | H1N1 Virus and Long Term Disability Claims

Posted by Nancy Cavey

in Long Term Disability

President Obama has declared the swine flu a national emergency. Federal agencies have recommended that businesses be flexible and let sick workers with the swine flu stay home. Unfortunately, there are some individuals who have become severely ill with swine flu and have been hospitalized and even died. If you or a loved one is suffering from swine flu and have a short or long term disability policy, be sure that you apply for your benefits immediately. If your short term disability benefits are denied, contact swine flu denied claim disability attorney Nancy Cavey who can assist you with your claim. ...

02 November

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Using Non Attorney Representative Groups | TV Ads Like Alsup

Posted by Nancy Cavey

in Long Term Disability

What: Using Non Attorney Representative Groups I’m sure that you’ve seen ads on the TV for companies like Alsup, or Binder & Binder that provide representation on Social Security Disability cases. Did you know that a majority of their business has been commercially based? What they means is that they’ve entered into contracts with large insurance companies and employers to provide Social Security Disability claims services to their disabled employees. You should particularly if you are a Long Term Disability applicant that people like Jim Alsup, the founder for Alsup & Alsup, have been quote as saying “every dollar we pay in...

Author: Nancy Cavey