10 August

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How A Long Term Disability Claimant Can Prove Cognitive Dysfunction In Their Long Term Disability Claim

Cognitive Dysfunction Long Term Disability Claims

It’s not uncommon for cognitive problems to be caused by: Dementia Traumatic Brain Injury Brain tumors Multiple Sclerosis Acquired Immune Deficiency (AID) HIV associated Dementia (HAD) Stroke Cancer Related Fatigue Huntington’s Disease Parkinson’s Disease. Unfortunately, long term disability carriers don’t make it easy for those with cognitive dysfunction to get the disability benefits they deserve or, improperly, attempt to limit the policy holder’s benefits to just 24 months of benefits under the policy’s mental/nervous limitation. What Should Every Long Term Disability Policy Holder With A Cognitive Dysfunction Do? Neuropsychological testing is one way to establish disability. However, the neuropsychological testing should be only...

02 August

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Symptoms Long Term Disability Carriers Expect To See In A Policy Holder’s Medical Records With Lyme Disease

Posted by Nancy Cavey

in Long Term Disability

Lyme Disease Long Term Disability Claims Attorney

Chronic Lyme disease patients can have a long hard fight to get the disability benefits they deserve. Those with Lyme disease have many debilitating symptoms including severe: fatigue, anxiety, headaches, and joint pain. It’s a complex disease that s difficult to diagnose. Reliable diagnostic studies aren’t available and disability carriers always look for a formal diagnosis of Lyme disease based on the tell tale signs of Lyme disease: (1) the discovery of a tick on the skin, (2) a bulls-eye’s patter rash, and (3) and possible joint pain. However, according to the International Lyme and Associated Disease Society, ILADS, points out that only “50-60% of...

19 June

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This Is What Happens When A ERISA Disability Policy Holder Is Left High and Dry

Posted by Nancy Cavey

in Long Term Disability

You purchase a long term disability policy to provide you with peace of mind if you became sick, injured or disabled. Unfortunately, long term disability carriers don’t make it easy for the disability policyholders to get the disability benefits they deserve. Understanding The Disability Insurance Claims Process There are 4 possible scenarios in the claims process. Be sick, injured or disabled people but haven’t yet filed a claim; Applied for benefits and are waiting for a decision of coverage; Been denied in the appeal process stage or; You exhausted the right to appeal the claims denial. Sick, Injured Or Disabled But Not Yet Filed...

12 June

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What Prostate Cancer Sufferers Need To Know About Their Long Term Disability Policy

Posted by Nancy Cavey

in Diseases

[vc_row][vc_column][vc_column_text]Prostate cancer is the most common non-skin cancer and the second leading cancer death in the United States. Unfortunately, many prostate cancers grow slowly and do not cause any symptoms in men that have it. IF you’ve been diagnosed with prostate cancer and have a disability policy, there are some things you need to know before you stop working and apply for benefits. Make Sure Your Medical Records Document Your Symptoms. Men can have different symptoms with Prostate cancer which can include: difficulty urinating, frequent urination, brief or interrupted flow, or blood in the urine or semen. The need to urinate frequently can...

08 June

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Bacterial Blueprint For Chronic Fatigue Syndrome – Win Your Claim For Long Term Disability Benefits

Posted by Nancy Cavey

in Diseases, Fibromyalgia Disability Claims

Chronic Fatigue Syndrome Disability Attorney Symptoms

In a study published in Microbiome researchers have identified a new bacterial blueprint for chronic fatigue syndrome. That’s crucial because many long term disability carriers take the position that chronic fatigue syndrome really has no objective or organic cause. What Is Chronic Fatigue Syndrome Symptoms? Chronic Fatigue Syndrome (CFS) can cause: 1. Extreme fatigue. 2. Fibrofog. 3. Widespread muscle aches. 4. Symptoms consistent with inflammatory bowel disease. What Is So Important About This Study? Researchers discovered that people with chronic fatigue syndrome had higher blood levels of lipopolysaccharides, which are inflammatory molecules that indicate the bacteria has moved from the gut into the blood stream. They analyzed bacteria in...

01 June

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ERISA Disability Carriers Must Meet ERISA Claims Denial Deadlines

Posted by Nancy Cavey

in ERISA

If you purchased your disability policy through your employer, that policy is most likely governed by the civil enforcement provisions of the Employer Retirement Income Security Act 1974 (ERISA), 29 USC §1132. In the case of Perry v. Metropolitan Life Ins. Co., No. 4:16-CV-135 (CDL), 2016 WL 4536441 (M.D. GA. August 30, 2016), Ms. Perry was employed by Synovus Financial Corporation where she was covered under a Long Term Disability policy issued by MetLife disability. MetLife paid her benefits and then denied her claim on the basis that she no longer met the standard of disability. Her policy required that she submit...

Author: Nancy Cavey