01 November

Sticky

I am reducing my hours at work and wonder when should I apply for long term disability benefits?

I am reducing my hours at work and wonder when should I apply for long term disability benefits? Every disability policy has what is called an "elimination period" and "notice" provision and, to answer that question, you need to get your policy and look at those provisions. Some policies say you have to give notice of claim when you start reducing your hours and others say you can wait. There is no standard disability policy! Nancy Cavey, an experienced long term disability lawyer based in the Tampa Bay area, can hlep you understand your policy...

01 November

0 Comments

Sticky

What happens after I file my claim for disabilty insurance with my long term disability insurance carrier?

Posted by Nancy Cavey

in Uncategorized

What happens after I file my claim for disabilty insurance with my long term disability insurance carrier? After you have filed your initial claim for disability benefits, the disability insurance carrier will contact you by phone or in writing to acknowledge they have gotten your claim. If you are called by the carrier, do not give a statement or answer any questions. You might get confused by the disability adjuster's questions or give the wrong answer that can damage your long term disability claim. At Cavey and Barrett, we suggest that you have your...

01 November

0 Comments

Sticky

I have just filed my claim for long term disability benefits. What happens next?

Posted by Nancy Cavey

in Uncategorized

I have just filed my claim for long term disability benefits. What happens next? The long term disability adjuster will be assigned to your claim and will contact you in writing or by phone. You should not deal with the adjsuter without having a lawyer. St. Petersburg, Florida disability lawyer Nancy Cavey has written extensively about the mistakes you can make dealing with a long term disability insurance adjsuter. Yes, I know you think it is just a phone call and that you can handle a call from the disability insurance company. WRONG! You can read...

01 November

0 Comments

Sticky

I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do?

Posted by Nancy Cavey

in Uncategorized

I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do? The Law Office of Cavey and Barrett are highly experienced long term disability/ERISA attorneys. Nancy Cavey has written a number of blog posts on what you should do when the long term disability carrier calls you. Remember, this is not a social call. The last thing Tampa Bay disability lawyer Nancy Cavey suggests you do is to speak with a long term disability adjsuter. You may innocently say something that could...

01 November

0 Comments

Sticky

My doctor tells me to start reducing my hours. Should I apply for long term disability benefit/ERISA disability?

Posted by Nancy Cavey

in Uncategorized

My doctor tells me to start reducing my hours. Should I apply for long term disability benefit/ERISA disability? Unfortunately, there is no hard or fast answer to that question. Each long term disability policy/ERISA policy has different provision about how long you have to be out of work or what kind of reduction in your hours and pay you need before you are eligible for long term disability/ERISA benefits. Long term disability lawyer Nancy Cavey, based in St. Petersburg, Florida, will remove any doubt from your mind in a no-obligation consultation. She will look at...

01 November

0 Comments

Sticky

The long term disability/ERISA carrier wants me to be examined by their doctor. What should I do?

Posted by Nancy Cavey

in Uncategorized

The long term disability/ERISA carrier wants me to be examined by their doctor. What should I do? Call long term disability/ERISA lawyer Nancy Cavey immediately! Most long term disability policies give the carrier the right to have you examined but at Cavey and Barrett we make sure the carrier doctor: 1. Treats the same medical condition that disables you; 2. Has all your medical records. We insist that all long term disability/ERISA insurance examinations are videotaped for your protection. If you have any questions about your long term disability/ERISA claim for disability benefits, call Pinellas County Attorney ...

01 November

0 Comments

Sticky

What should I do if the long term disability insurance company denies my long term disability claim application?

Posted by Nancy Cavey

in Uncategorized

What should I do if the long term disability insurance company denies my long term disability claim application? Pick up the phone immediately and call disability lawyer Nancy Cavey at 727-894-3188. You have 180 days from the date of your denial letter to file an appeal. The long term disability carrier is hoping you will give up and won't appeal. Don't let them win! You have paid for long term disability benefits. Tampa Bay based long term disability lawyer Nancy Cavey will provide you with a free initial disability consultation about your denied long term disability...

Author: Nancy Cavey