NO FEE GUARANTEE

Disability Representation For Your Disability Claim

727-894-3188

Call Us For Free Consultation Now

Search
 

Blog

Am I entitled Disabled Widows, Widowers or Surviving Divorce Spouse Benefits?

There are some very specific requirements to be entitled to disability widows, widowers, or surviving divorce spouse benefits. The Social Security rules require the you must be at least 50 years old and you have health problems that: 1.      Keep you from doing substantial work. 2.      Expected to last for at least twelve months in a row or result in death. 3.      Start with the latest of: a.       The month your spouse died. b.      The month your Social Security benefit as a plan ended c.       The month of your earlier period of your Widow disability benefits ended. If you have any questions regarding your...

Continue reading

I have chronic pain and the long term disability carrier says my pain is not “objective”. Do you have tips on how to prove I have pain so I can win my long term disability case?

I have chronic pain and the long term disability carrier says my pain is not "objective". Do you have tips on how to prove I have pain so I can win my long term disability case? Yes!  Nancy Cavey. a nationally know long term disabilty claims denied lawyer has written a free consumer guide on completing Activities of Daily Living forms call the Smart LTD Consumer Guide to Filing out Activities of Daily Living forms and Preparing  for Your Home Visit. Hartford, Berkshire and UNUM long term disablity denied lawyer Nancy Cavey also suggests that...

Continue reading

How Do I Pick the Right Date for the “Onset of Disability?”

table.MsoNormalTable { font-size: 12pt; font-family: "Cambria","serif"; } The alleged onset of disability “AOD” is a term in the Social Security world. It is the date from which your entitlement to Social Security Disability benefits starts. That includes a five-month elimination period. The onset of disability is the first date when you are unable to engage in what is called substantial gainful activity. Substantial gainful activity is also a term under the Social Security rules which means what date could you last worked a forty hour week without significant interruptions for symptoms and/or for treatment and...

Continue reading

No. 11 – Can I refuse to attend a neuropsychological exam at a long-term disability carrier?

If a long-term disability carrier is scheduling you for a neuropsychological exam, I strongly suggest that you contact an attorney like Nancy Cavey immediately! Nancy Cavey is familiar with the neuropsychologists routinely used by long-term disability carriers. We won't ever refuse an exam, but there are a number of things that can be done to protect your interests. These include: (1) obtaining your own neuropsychological exam before attending the long-term disability carrier's neuropsychological exam; (2) videotaping the independent medical examination; (3) limit the carrier's neuropsychological review to the raw data of your examination. To discuss...

Continue reading

No. 10 – The seven things long-term disability policyholders should do.

No. 10 - The seven things long-term disability policyholders should do. Nancy Cavey, Hillsboro and Pinelas Counties disability insurance company lawyer, suggests that longer-term disability applicants call and: (1) get a copy of their policy; (2) read the policy and the directions for filing their claim and follow every step; (3) make a copy of everything you send to the disability carrier; (4) send everything to the long-term disability carrier with return receipt request to prove that you sent the material; (5) if you speak with the adjuster, which Nancy Cavey does not suggest you do, document every telephone conversation; (6)...

Continue reading

What are the Factors I Should Consider in Choosing a Social Security Disability Attorney?

table.MsoNormalTable { font-size: 12pt; font-family: "Cambria","serif"; } Someone who will: 1.      Educate you about the Social Security Disability claims process 2.      Gather written records and documents to support  your claim, including medical and employment records. 3.      Perform the investigation of your claim including interviewing your doctors and employers. 4.      Read and analyze your Social Security Disability claim. 5.      Meeting with your medical doctors and health care providers to fully understand your condition. 6.      Obtain your reports and form experts to support your claim. 7.      Analyze any legal issues that can result in the denial of your claim. 8.      File all the necessary forms for the Social Security Administration. 9.      Contact...

Continue reading

No. 9 – Has your claim for long-term disability benefits been denied on the basis that you haven’t been putting forth your best efforts?

No. 9 - Has your claim for long-term disability benefits been denied on the basis that you haven't been putting forth your best efforts? Long-term disability carriers routinely hire companies such as the Reid Group, to review long-term disability claims. Unfortunately, the Reid Group will use, as a basis for denying claims, an allegation that a psychiatrically disabled person hasn't put forth their best efforts in neuropsychological testing based on tests of memory validity. The Reid Group will conclude that you haven't been "cooperating" under the terms of the plan. If your claim for long-term ...

Continue reading

How do I let the Social Security Administration know I have a Lawyer?

At The Law Office of Nancy L. Cavey, we notify the Social Security Administration that you have hired us to help you with your Social Security Disability claim. We do this by filing form SSA-1696U4 Appointment of Representative with the Social Security Administration. We take care of all the communications with the Social Security Administration so that you can focus on the healing process. If you have questions regarding the Social Security Disability claims process, contact Social Security Disability claim’s lawyer Nancy L Cavey or one of our helpful paralegals to assist you with any questions you may have....

Continue reading

No. 8 – Psychological disability and long-term disability claims

No. 8 - Psychological disability and long-term disability claims Unfortunately, long-term disability carriers routinely use companies such as PSY BAR to review long-term disability/ERISA claims involving psychiatric conditions. I recently reviewed PSY BAR's website and noted that they offer online courses to adjusters and IME doctors. One of the courses, "Psychological and Psychiatric Assessment of Individuals for Disability Insurers," actually teaches "independent medical doctors" what the long-term disability insurance company's expectations are and how to meet those expectations in an ethical manner. Interestingly enough, this course identifies what PSY BAR believes to be "common IME errors": ERROR...

Continue reading