If I am disabled and collecting long-term disability, will that impact my financial planning?

If I am disabled and collecting long-term disability, will that impact my financial planning? Absolutely! Your disability can impact your financial planning. Your savings can be depleted and you may have to ask family members for loans. At Cavey & Barrett we assist our Long-Term Disability/ERISA clients in dealing with the challenges they confront in the disability claims process. These questions include: (1) What are my benefits when I'm going to start working? (2) How do I file for Social Security? (3) Should I COBRA my health coverage? (4) Do I have alternative sources of healthcare?...

01 November

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I have filed my application for long terrm disability benefits. How long will the long term disability insurance company take to tell me if they are going to pay my long term disability insurance benefits?

Posted by Nancy Cavey

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I have filed my application for long terrm disability benefits. How long will the long term disability insurance company take to tell me if they are going to pay my long term disability insurance benefits? The rule of thumb is 3 months! The long term disability carrier will get your medical records, contact your employer and do an investiagtion to determine if you meet the long term disability insurance policy requirements. If you have a medicall complex claim or your medical records don't support your claim, the long term disability insurance company may contact your doctor....

01 November

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What Should I Do If My Doctor Refuses to Fill Out the Long Term Disability Insurance Medical forms?

Posted by Nancy Cavey

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Change doctors! Sorry, but your doctor may be the best doctor in the world but if your doctor won't file out the Long Term disability insurance medical forms, you will most likely NOT get paid your disability benefits. Before you apply for long term disability/ERISA disability benefits, Nancy Cavey, a long term disability claims lawyer in Florida, suggests you get a copy of your doctor's records and see what is in those records about your complaints, your symptoms and your ability to do your job. If those records don't support your claim you will have a problem with your disability claim. Make sure...

01 November

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Can I refuse to attend a neuropsychological exam at a long-term disability carrier?

Posted by Nancy Cavey

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Can I refuse to attend a neuropsychological exam at a long-term disability carrier? If a long-term disability carrier is scheduling you for a neuropsychological exam, I strongly suggest that you contact a long term disability 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)...

01 November

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How is the long term disability/ERISA lawyer going to let me know if they are going to pay my disability benefits?

Posted by Nancy Cavey

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How is the long term disability/ERISA lawyer going to let me know if they are going to pay my disability benefits? You might get a call but most likely you will get a letter letting you know if you are going to be paid your disability benefits. If you get a letter sayig the long term disability carrier will pay your benefits, make sure you are getting the right amount and any back benefits. If you get a letter denying your benefits, you generally have the right to appeal. Don't fool around about a denial. The reality...

01 November

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The long term disability/ERISA insurance compnay refuses to pay my disability benefits and I want to sue them!

Posted by Nancy Cavey

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The long term disability/ERISA insurance compnay refuses to pay my disability benefits and I want to sue them! If you have a private disability insurance policy that you have purchased, you can sue in state court if the long term disability insurance company denies your claim. We file a bad faith claim with the Department of Insurance and, after that cliam period has expried, we generally file a state law suit. If you have a group disability policy it is governed by a federal law called ERISA which requires you to exhaust all of your administrative remedies...

Author: Nancy Cavey