01 November

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Tampa Bay Friends of 440 Scholarship Fund

The Tampa Bay Friends of 440 Scholarship Fund was founded by Nancy Cavey and is a non-profit organization comprised of attorneys, doctors, insurance adjusters, Judges of Compensation Claims, administrators, rehabilitation providers and others whose primary employment is connected with the Florida Workers' Compensation Act. These members donate their time and energy to promote social and educational charitable causes connected with the Workers' Compensation system. The primary function of this organization is the award of scholarships to students who are dependents or descendants of individuals who have been injured in the course and scope of employment or whose parents' employment is primarily...

01 November

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Why Every Dental Professional Should Have a Disability Claims Consultation Before Filing a Claim for Long Term Disability Benefits

Posted by Nancy Cavey

in Uncategorized

There are many stumbling blocks in the disability process. Before a dental professional considers filing a claim for disability benefits, there is help available to make that difficult decision about whether and when to apply for disability benefits and how to maintain your practice as you move through the disability process. Disability claims advice should include the following: 1. Get a professional review of your disability policies, including business overhead policies, a written summary of your benefits and potential problem areas as you move through the disability claims process. 2. An analysis of your...

01 November

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Why Every Physician Seeking Disability Benefits Should Have a Disability Attorney

Posted by Nancy Cavey

in Uncategorized

1. You need advice and assistance in completing your claim forms and other insurance company requests. Picking the right date of disability, making sure your disabling condition is covered and is not excluded by a pre-existing condition, determining your pre-disability earnings and accurately completing your application is key to the beginning of a successful claims process. You should never complete anything, answer phone calls, or written requests of the disability insurance carrier unless you have assistance. Each one of these contacts with a disability insurance company is an opportunity to destroy your ...

01 November

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Can I Make a Mistake on Your Long Term Disability Claim Even Before I Stop Practicing Orthopedic Medicine?

Posted by Nancy Cavey

in Uncategorized

If you are an orthopedic physician an are having difficulty practicing orthopedic medicine, you should know you can make a huge mistake even before you stop working. Getting the right date of disability is cruicial before you file your orthopedic claim for long term disability benefits. You should immediately get a copy of your long term disability policy and read it. How does your policy define occupation? Some policies, including Northwestern Mutual policies, will define an occupation as the occupation that they were doing “at the time of disability”. There also may be specialty language...

01 November

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Why Every Medical Professional Should Have a Disability Claims Consultation Before Filing a Claim for Long Term Disability Benefits

Posted by Nancy Cavey

in Uncategorized

There are many stumbling rocks in the disability process. Before a medical professional considers filing a claim for disability benefits, there is help available. You have a difficult decision to make about whether and when to apply for disability benefits and how to you maintain your practice as you move through the disability process. Disability claims advice should include the following: 1. A professional review of your disability policies, including business overhead policies, a written summary of your benefits and a potential problem errors as you move through the disability claims process. 2. An...

01 November

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Your Psychiatric Exams and Fibromyalgia and Chronic Fatigue Claims

Posted by Nancy Cavey

in Fibromyalgia Disability Claims

Long Term Disability carrier's who may accept the diagnosis of chronic fatigue and Fibromyalgia yet deny a claim on the basis that you are employable. It is not uncommon for Long Term Disability Insurance companies who have an "independent paper review" by a physician who has been hired by the carrier. More often than not this paper review, or even an independent medical evaluation physician who has been hired to evaluate will conclude that you meet the diagnostic requirements requiring fatigue. However, they will opine that despite having the physical and psychiatric limitations ...

01 November

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Fibromyalgia and Chronic Fatigue Long Term Disability Claims: Proving Vocational Causation

Posted by Nancy Cavey

in Fibromyalgia Disability Claims

It is not uncommon for Long Term Disability carriers to acknowledge that a Long Term Disability applicant who suffers from Chronic Fatigue Syndrome or Fibromyalgia is in fact disabled but yet they deny the claim for Long Term disability benefits on the basis that they are still capable of working. Long Term Disability Fibromyalgia and Chronic Fatigued denied claim lawyer Nancy Cavey, knows it is important to develop the medical evidence that fully explains your physical restrictions and limitations, side effects of medications and difficulty with concentration, pace and duration. One of the keys...

Author: Nancy Cavey