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Why Do Long Term Disability Companies Complain About Paying For Conditions Like Lupus, CFS, Fibromyalgia or Other Self-Reported Conditions?

Getting insurance companies to pay disability benefits for medical conditions like Lupus, CFS, or Fibromyalgia is tough. Long Term Disability insurance companies like UNUM Provident, UNUM Life, ETNA, Standard, Prudential, Hartford, CIGNA, C.N.A. Liberty Mutual, Paul Revere, Reliance, MetLife and others do not like paying for conditions like CFS, Lupus and Fibromyalgia. If you are a Long Term Disability applicant or your CFS, Lupus or Fibromyalgia claim has been denied you need to watch this video:

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I Do Not Have Enough Work Credits to be Covered For Social Security Disability, Am I Out of Luck?

If you don’t have enough work credits to be insured for Social Security Disability benefits, take heart. You may qualify for Supplemental Security Income (SSI), which is a disability program that is based on your income and resource levels.If you have any questions about the current income or asset limits of the SSI disability program, you should contact your local Social Security office. Remember that certain assets are not includable in the calculation, such as your primary vehicle and residence.The Law Firm of Nancy L. Cavey, based in Pinellas County, can assist you with your denied Social Security Disability claim....

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Why Won’t Some Lawyers Help Me File My Initial Application?

table.MsoNormalTable { font-size: 11pt; font-family: "Calibri","sans-serif"; }At Cavey and Barrett, we believe that you should have representation to help you file your initial application for Social Security Disability benefits. Unfortunately many attorneys only accept Social Security Disability claimants after they have received a denial of their Social Security Disability claim.Sharon Barrett, a former Social Security Administration attorney, knows that turning away someone who needs help with the Social Security Disability application process is like telling someone who doesn’t know how to cook to get into the kitchen and contact the fire...

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Do My Doctor Records Make a Big Difference?

Insurance companies have a good ol’ boy network of doctors that cherry pick your doctors medical records in favor of the disability insurance company. This good ol’ boy network reports only what the disability insurance company wants to hear to the disability carrier such as Liberty Mutual, Reliance, MetLife, Hartford or CIGNA deny your Long Term Disability claim.Your doctor’s records do make a big difference in the insurance company review process. Tampa Bay disability attorney Nancy Cavey has an educational video explaining to you why your doctor’s records make a big difference.

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Do I Have To Be Disabled for Six Months Before I Can Apply for Social Security Disability Benefits?

table.MsoNormalTable { font-size: 11pt; font-family: "Calibri","sans-serif"; }No, the definition used by the Social Security Administration is that you have to be disabled for a period of not less than one year. You don’t have wait for six month or even a year before you apply for Social Security Disability benefits. If you have a condition that is disabling and is expected to last for at least a year, you may be eligible for Social Security Disability benefits.Sharon Barrett, a Port Richey, New Port Richey, Dunedin, Social Security Disability denied lawyer, can answer...

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Social Security Disability Benefits and Polysistic Kidney Disease

table.MsoNormalTable { font-size: 11pt; font-family: "Calibri","sans-serif"; }You may eligible for Social Security Disability benefits if you suffer from Polysistic Kidney Disease (PKD). PKD is a genetic disorder passed down through families. Unfortunately in PKD the kidneys are one of the most severely affected organs, but it also can cause cysts to develop in other parts of your body.It is also a common life threatening disease.If you or any of your family members suffer from PKD and are unable to work you may be eligible for Social Security Disability benefits.At the law firm...

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Social Security Administration and Your Medical Records

table.MsoNormalTable { font-size: 11pt; font-family: "Calibri","sans-serif"; }The Social Security Administration is taking bids to development and/or use information technology to get electronic health records for people who are claiming Social Security Disability benefits.The Social Security Administration sends over 15 million requests per year for medical records to medical providers, and as we at Cavey and Barrett know, it can weeks or even months to get your medical records.The Social Security Administration is testing health information exchanges with facilities so that they can gather medical records electronically.At Cavey and Barrett, we hope that...

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Where are the Florida Local Social Security Hearing Locations?

table.MsoNormalTable { font-size: 11pt; font-family: "Cambria","serif"; }The Florida local Social Security hearing locations are in:Tampa:4925 Independence Parkway, Tampa, Florida 33364-750Clearwater:SunTrust Building 601 Cleveland Street, Room 410, Clearwater, FL 33755Fort Myers:10100 Deer Runs Rd, Suite 210, Fort Myers, FL 33966Orlando:Glenridge Building, Suite 300, 3505 Lake Linda Dr., Orlando, FL 32817You can easily find directions to each of these locations at

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