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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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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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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 endedc.       The month of your earlier period of your Widow disability benefits ended.If you have any questions regarding your...

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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...

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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...

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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...

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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)...

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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 process2.      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...

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