18 June

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Long Term Disability Recipients Need To Be Afraid Of Medi-Copy Services

Long term disability carriers will request that you sign a medical release so that they can get copies of your medical records. Many will hire Medi-Copy services, a third part medical record processor, based in Nashville. In addition to medical records, they also provide disability form completion services. Guess what they do! Since they're working for the disability carrier, they have access to your file. When a disability form gets sent to your physician, they'll get it, fill it out and send it directly to the insurer. There have been instances in which Medi-Copy completed the form, signed the doctor's name and returned...

11 June

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What Objective Medical Evidence Your Long Term Disability Carrier Is Looking For In A MS Claim

Posted by Nancy Cavey

in Multiple Sclerosis

Objective Medical Evidence Multiple Sclerosis Disability

The long term disability carriers don't make it easy for those with MS to get the long-term disability benefits they deserve. Carrier's deny claims because of a lack of objective evidence. The disability carrier will review your medical records and will want to see the objective evidence in your medical records that support the diagnosis of MS. This includes: - a diagnosis of MS through magnetic resonance imaging testing (MRI), - spinal tap or lumbar puncture, - visual testing to detect damage to the optic nerve, - neuropsychological testing to document cognitive difficulties. What Should I Do If My Long Term Disability Claim For MS Has...

22 May

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Congestive Heart Failure And Your Rights Long Term Disability Benefits

Posted by Nancy Cavey

in Heart, Long Term Disability

Congestive Heart Failure Long Term Disability Benefits

Long term disability carriers don't always make it easy for those with congestive heart failure to get the long term disability benefits they deserve. What Are The Causes of Congestive Heart Failure? Coronary artery disease, congenital heart defects, poorly treated high blood pressure, prior heart attacks, valvular and pericardial disease and cardiomyopathy can all result in an enlarged heart and congestive heart failure. Regardless of the diagnosis, many long term disability carriers will want to see that your heart failure has continued despite your use of medication. What Does The Long Term Disability Carrier Look For In My Medical Records? Many long term disability...

18 May

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How Does A Short or Long Term Disability Policy Holder Find Out About Their Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Did you know that if you purchased a short or long term disability policy through an employer, (other than a government or church employer), the ERISA statute requires that your employer or Union act as a fiduciary? What Are The Duties Of A Fiduciary? Your employer or union must provide information about benefits when you ask for it in writing. In fact, plan administrators, employers or unions who provide benefits, must provide a copy of the plan documents to you if you make a written request for the documents. If they don't provide you with the plan documents, they can be subject to...

17 May

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What Every Short Term Disability Applicant Needs To Know About Self Funded Benefits

Posted by Nancy Cavey

in Short Term Disability

Self Funded Short Term Disability Benefits

Did you know that there are two ways that an employer can fund short term disability benefits? The first is to purchase a short term disability policy and the second is to be self funded. In other words, the employer fund the short term disability benefits. However, the employer may self administer the program or hire an administrator. It's important to understand that many short term disability claims are denied at the get-go or cut off during the short term disability period. This is a strategy that's employed to make it harder to appeal a denial. Why? Many policy holders will give up and...

08 May

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Lupus Symptoms That Every Long Term Disability Carriers Expect To See In A Policy Holder’s Medical Records

Posted by Nancy Cavey

in Long Term Disability

Long Term Disability Policy Holder’s Medical Records Lupus

Lupus patients can have a long hard fight to get the long-term disability benefits they deserve. They key to winning long-term disability benefits for Lupus is in your medical records. What Your Medical Records Should Document About Your Lupus Your records should document the following symptoms and how they impact your ability to function: Low-grade fevers which are not attributed to other illnesses, Rashes or lesions particularly before a flare up, Oral ulcers, Enlarged lymph nodes, Chest or muscle pain, Kidney problems, Pulmonary problems, Swollen joints, Gastrointestinal issues, Thyroid issues and Fatigue. How To Document Your Fatigue Fatigue is the most common symptom of...

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