29 August

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Disabled Teleworkers Dissed by ERISA Disability Carriers and Plans and the Three Ways to Challenge a Telecommuting Denial

The COVID 19 pandemic normalized telecommuting. That was helpful to many of my disabled ERISA disability policyholders because it either allowed them to hide their disability and work around their limitations while keeping their jobs or work at reduced hours within their restrictions and limitations. What was beneficial at the “own occupation” stage of a disability claim is backfiring at the “any occupation” stage of a disability claim. What is the Any Occupation Stage of A Disability Claim? Disability policies or plans will typically pay disability benefits for the first two years if you are unable to engage in the ”material and substantial duties...

10 August

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Long Term Disability Attorney Near Me – Your Trusted Partner from the Law Office of Nancy L. Cavey

Posted by Nancy Cavey

in Long Term Disability

When you're facing the challenges of a long-term disability claim, having a skilled long term disability attorney near me is essential. Finding expert guidance that's conveniently located can make a significant difference in your case. At the Law Office of Nancy L. Cavey, we're dedicated to providing top-notch legal assistance right in your local area. The Importance of Choosing a Long Term Disability Attorney Near Me Choosing a long term disability attorney near me offers distinct advantages. Proximity means accessibility – you can have in-person consultations, attend meetings, and collaborate more effectively. This closeness facilitates a better understanding of your unique situation...

06 April

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Protecting Seniors’ Rights: Navigating the Challenges of Medicaid Evictions in Assisted-Living Facilities

Posted by Nancy Cavey

in Uncategorized

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The U.S. long-term care system has come under scrutiny due to a recent surge in the eviction of seniors from assisted-living homes, particularly affecting residents who rely on Medicaid for low-income health coverage. At The Law Office of Nancy L. Cavey, we understand the importance of protecting the rights of seniors and individuals with disabilities, especially in matters related to housing and access to essential services. As reported by The Washington Post in an article titled "Assisted-living homes are rejecting Medicaid and evicting seniors," a striking example of the impact of these evictions is the story of Shirley Holtz, a 91-year-old...

10 February

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ERISA Disability Policy: Be Prepared for Limited Benefits for Neuromuscular Disorders

Posted by Nancy Cavey

in Diseases, Long Term Disability

You purchased a disability insurance policy to provide you with peace of mind, but there might be a terrible flaw in your policy that will rob you of that peace of mind and your financial security. The Two Types of Limited Disability Benefit Provisions in an ERISA Disability Policy or Plan There are two limited disability benefit provisions that you might find in a disability insurance policy or plan. The first is a mental-nervous policy limitation that will limit the payment of benefits to just two years if the disability is caused by a psychological condition. The second is a “subjective medical condition”...

06 February

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Does Discrimination and the Disenfranchisement of Women in the Health Care System Impact an ERISA Disability Insurance Claim?

Posted by Nancy Cavey

in ERISA

A recent study, “Women’s Experiences of Health-Related Communicative Disenfranchisement,” published in Health Communication, confirms that many women’s health concerns are often dismissed by physicians. According to the study, many women’s health concerns are met with disbelief that “discredits, silences and/or stereotypes one’s… experiences.” This is “medical gaslighting.” By “gaslighting,” I mean the tendency to treat someone’s complaints as if they were unimportant or just imaginary. It is a way of dismissing someone’s concerns as if they weren’t real. This dismissal, disbelief and being written off as just anxious or depressed, is all too common in my experience with women who have reproductive...

03 February

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Buerger’s Disease and Your Long-Term ERISA Disability Claim

Posted by Nancy Cavey

in Long Term Disability

Buerger’s disease, which is also known as thromboangitits obliterans, is a vascular disorder that primarily affects cigarette smokers. It causes narrowing or blockage of the veins and arteries of the legs or arms which can make it difficult if not impossible to work. If you have an ERISA disability policy, you may be entitled to your disability benefits because of Buerger’s disease if you can’t perform your own or any other occupation. My father became disabled, in part, because of Buerger’s disease, and had extreme pain, cramping, numbness and tingling with ulcers on his legs. He stopped work and applied for his...

30 January

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The 900,000 Surge of Disabled Workers in the United States, the Role of COVID-19, and What Can Happen To Your ERISA Disability Claim When Work Accommodations End

Posted by Nancy Cavey

in Covid, Long Term Disability

According to a study by the Federal Reserve Bank of New York, “there has been a surge of about 900,000 people with disabilities in the U.S. workforce since 2020.” It is thought the increase is due to Americans with long COVID who have remained in the workforce. Emily Peck of Axios Markets wrote an article entitled “Behind the Surge in Workers With Disability: Long COVID,” in which she reported that employers are accommodating the needs of those with COVID. In her discussions with Richard Dietz of the Federal Reserve, he pointed out that “the majority of the newly disabled deal with...

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