NO FEE GUARANTEE

Disability Representation For Your Disability Claim

727-894-3188

Call Us For Free Consultation Now

Search

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....

Continue reading

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...

Continue reading

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...

Continue reading

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!...

Continue reading

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....

Continue reading

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...

Continue reading

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...

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