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Has Your Long Term Disability Claim Been Denied Because of the Wrong Diagnosis?

Has Your Long Term Disability Claim Been Denied Because of the Wrong Diagnosis? Now I know that sounds silly, but Nancy Cavey, Florida based Long Term Disability Attorney, will routinely see claims for disability benefits based on the diagnosis of your treating physician insisting that you have a certain medical condition. The reviewing physician disagrees and applies a completely different diagnosis in evaluating whether of not you are disabled. If that happens, you need experienced Long Term Disability attorney Nancy Cavey. What can disability attorney Nancy Cavey do? First, and foremost, medical library research and...

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What Can I do to Speed my Social Security Disability Claim?

table.MsoNormalTable { font-size: 12pt; font-family: "Cambria","serif"; } If you haven’t filed a claim for Social Security Disability benefits, Sharon Barrett, former Social Security staff attorney, suggests that you do the following: 1.      You can file your claim for disability by contacting your local Social Security disability office and setting up an appointment, or you can apply online. 2.      Before you apply, make out a list of the doctors and medical facilities that you have been treated at together with the addressess of those who have treated you for your disability. 3.      Contact your providers and ask...

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What Should I Look For in a Disability Insurance Policy?

What Should I Look For in a Disability Insurance Policy? 40% of Americans age 45 to 65 will suffer a disability that lasts 90 days sometime during their working career according to the Health Insurance Association of America. Even if you are young and healthy, you can become disabled as a result of an injury through no fault of your own. Without coverage, an unexpected disability can leave you without income and even lead to the filing of bankruptcy. While buying a disability insurance policy probably is not at the top of your list of things...

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Is it unethical when a LTD carrier denies my claim for benefits based on a psychological paper review?

Is it unethical when a LTD carrier denies my claim for benefits based on a psychological paper review? Yes, the Principles of Medical Ethics, from the American Psychiatric Association section 7(3) says it is “unethical for a psychiatrist to offer a professional opinion about a specific individual unless he has conducted an examination.” If your claim has been denied based on a psychological paper review we strongly suggests you consider an appeal. For example, the court in Shehann vs. Metropolitan Life Insurance Company, 368F.supp.2nd 228(S.d.n.y. 2005), explained “The Court discounts the opinions of psychiatrist who...

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What is Medicare?

Medicare is a program run by the center for Medicare and Medicaid services that helps pay for inpatient hospital care, nursing care, doctors charges, prescription drugs and other medical services and supplies for people who are older than 65. It also applies to people who have received Social Security Disability benefits for two years or more. For more information about your Medicare, you can visit www.medicare.gov or call 1-800-633-4227....

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What is Short Term Disability Insurance?

What is Short Term Disability Insurance? Short Term Disability Insurance covers the costs of doing an early period of disability that can be as short as two weeks or up to two years. There is an elimination or waiting period for short-term disability insurance, which is as little zero to fourteen days depending on the nature of your disability. If you have questions about what short-term disability insurance is or the terms of your coverage contact short-term disability insurance denied attorney Nancy Cavey at 727-894-3188...

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Do I Really Need a Private Disability Insurance Policy if I have a policy through work?

Do I Really Need a Private Disability Insurance Policy if I have a policy through work? ERISA Long Term Disability lawyer Nancy Cavey says yes. Many disability insurance policies provided by your employer only provide you with 60% of your salary with a maximum of $5,000-$10,000 in benefits. However, these benefits are taxable and you will get less than the 60% that you are used to. Can you and your family survive on 60% or less of your current income? Probably not. Private disability insurance attorney Nancy Cavey suggests that you buy a supplemental private...

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If I am On Active Military Duty or a Recently Discharged Veteran, Will That Make a Difference in My Social Security Claim?

Yes! If you are filing for disability benefits let the Social Security Administration know that you are on active military duty of that you have recently been discharged and the Social Security Administration will handle your claim more quickly. However, be aware that if you are getting non-service connected VA disability benefits; your Social Security benefits can be reduced. You can have both VA service connected disability and Social Security Disability benefits!...

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How Do I Hire the Right Disability Attorney?

How Do I Hire the Right Disability Attorney? You have faithfully paid your disability insurance premium and now in your time of need a Long Term Disability carrier has denied you benefits. Long Term Disability benefit attorney, Nancy Cavey based in Florida, knows that getting insurance companies to pay individual disability claims is tough. But how do you a find an appropriate attorney? In this educational video disability insurance attorney Nancy Cavey gives you tips on how to hire an experienced disability attorney....

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