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No. 2 – Long-term disability benefits and my healthcare coverage through COBRA

No. 2 - Long-term disability benefits and my healthcare coverage through COBRAAt The Law Office of Nancy L. Cavey, it's not uncommon for long-term disability applicants to come to our office with a letter from their employer about continuing their healthcare coverage through COBRA.Federal law requires employers with 20 or more employees to provide COBRA health care continuation coverage, and there are specific time limits for choosing this coverage.Unfortunately, many long-term disability applicants are also applying for Social Security Disability benefits and are in need of medical treatment. They have not become Medicare eligible and are facing a gap in...

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Obstructive Sleep Apnea and Your Social Security Disability Claim | SSD Attorney in Tampa

What: Obstructive Sleep Apnea Who: Social Security Disability Claim ApplicantsObstructive Sleep Apnea is a common sleep disorder, but in severe cases is one that causes significant fatigue and impacts your ability to work.According to the National Heart Lung and Blood Institute, Sleep Apnea can have the following effects if left untreated:Increase the risk for high blood pressure, heart attack, stroke, obesity, and diabetes Increase the risk for or worsen heart failure Make irregular heartbeats more likely Increase the chance of having work-related or driving accidentsYou may be entitled to Social Security Disability benefits because of severe sleep apnea. For more information regarding...

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No. 1 – Is the long-term disability carrier entitled to repayment because I got Social Security Disability benefits?

No. 1 - Is the long-term disability carrier entitled to repayment because I got Social Security Disability benefits?Have you read your long-term disability policy? Does it provide that future benefits can be withheld to recover any overpayment arising from a retroactive payment of benefits such as Social Security Disability benefits?In the case of White v. Coca Cola Corporation, the United States District Court for the Northern District of Georgia upheld a provision in Coca Cola's long-term disability plan that allowed Coca Cola to withhold future benefits to recover a retroactive payment of Social...

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Common Disabilities: Facet Syndrome | Disability Attorney in St. Petersburg FL

Most people don’t know what facet syndrome is, but those that do know that it is a painful condition of the back due to an irritation of the facet joints.If you press either side of your spinal cord you will feel small joints in your back that connect the vertebrae above and below, the vertebrae allow for smooth movements of your spine.Arthritis, degenerative disease, or any injury can damage the inside lining or the ligaments around the facet joints. This causes severe debilitating back pain.It is not uncommon for facet injections...

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How can I check out UNUM Provident’s reputation for paying short and long term disability benefits?

How can I check out UNUM Provident's reputation for paying short and long-term disability benefits?Well. this website is a good start! We have a number of articles about UNUM Provident and their claims handling process that explains our client's experiences with delayed or denied UNUM Provident disability claims. Florida based Nancy L. Cavey specialize in the denial of UNUM disability claims and are the UNUM Disability Benefits Denied Lawyers.But don't take our word for it. Read about Consumer Complaints and UNUM Provident disability claims.Nancy Cavey, a Florida based UNUM disability benefits denied lawyer, has written a consumer guide to your...

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How can I get a decision faster when I apply for disability?

The Social Security Administration has their own schedule and works at their own pace. An attorney cannot make the Social Security Administration work at a faster pace or demand that you receive a decision. An attorney cannot control the speed in which you are scheduled for a Hearing before an Administrative Law Judge. What is important is that you send in the proper documentation filled out accurately and completely. At The Law Office of Nancy L. Cavey, we ensure that your documentation is complete and submitted in a timely manner. We will assist you filing for Reconsideration and will help...

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Disabled Veteran? Social Security Disability Claims | Pinellas SSD Attorney

Did you know that if you are wounded on active duty and are applying for Social Security Disability benefits there is a website at that provides fact sheets for disability claims for wounded warriors and how your Social Security Disability application can be expedited.There are also helpful links at Veterans Affairs websites.People in the military are entitled to the same Social Security Disability and survivor’s benefits as everyone else. If you have served in the military and have any questions about your rights to Social Security Disability benefits, contact Social Security Disability...

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What medical conditions are considerd disabling?

What medical conditions are considerd disabling?It is important that you understand how your disability insurance provider defines "disability." For some insurance carriers "disability" means that you are unable to perform your "own occupation." While other carriers define it as the inability to perform "any occupation." The burden is generally on you to prove that you cannot perform your "own occupation." It is also important for you to understand that policies change definitions after you have been recieving benefits for a fixed period of time.At Cavey and Barrett we will review your disability policy...

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Are You Unprepared for Your Social Security Disability Hearing?

If you choose to go it alone and don’t have an attorney represent you at the Social Security hearing you will simply have no clue about the Social Security Disability process, the reasons that your claim was denied in the past, the importance of obtaining and submitting updated medical records to the judge, and developing evidence that will help you win your Social Security Disability case.When an administrative law judge sees an unrepresented claimant who isn’t prepared, the judge is tempted to dispense with this case quickly, and with little effort...

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