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How Much Will I get if My Disability Benefits are Approved?

Disability insurance policies normally pay a percentage of your salary, I say “normally.”Most disability insurance policies begin the calculation of benefits based on what is called based monthly earnings or BME.This is always an issue in physician disability policies; you may be paid on a bonus basis, partnership earnings, consulting income, the sale of property owned by partners or other salary arrangements.I’ve been involved in litigation involving the sole question of how to calculate the base monthly earnings when a medical provider become disabled. You must know the answer to this question before you decide when to apply for disability...

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Fast Track Social Security Disability Determination Programs

The Social Security Administration has established five fast track programs to speed up the claims process. These include:1. Quick Disability Determinations (QDD). The Quick Disability Determination process uses a predicative model to electronically determine claims where there is a "high potential that the claimant is disabled." Social Security statistics show that 3% of all applications go through QDD processing. The designated QDD examiner has to confirm that there is available medical evidence in the file that can establish that there is both a chronic physical or mental disability. These conditions include end stage renal...

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Filing for Social Security | Migraines and Headaches Medical Complaints

One of the most common medical complaints is a headache. Did you know that there are different types of headaches and different causes? If you suffer from a chronic and debilitating headache, like a migraine, you may entitled to Social Security Disability benefits.If you have any questions about your rights to Social Security Disability benefits, or your claim for Social Security Disability benefits because of chronic headaches or migraines have been denied, contact the Social Security Disability migraine claim denied attorney Sharon Barrett....

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No. 3 – Long-term disability and financial planning.

No. 3 - Long-term disability and financial planning.At The Law Office of Nancy L. Cavey we assist our Long-Term Disability/ERISA clients in dealing with the challenges they confront in the disability claims process.These questions include: (1) What are my benefits when I'm going to start working? (2) How do I file for Social Security? (3) Should I COBRA my health coverage? (4) Do I have alternative sources of healthcare? (5) How do I make the health insurance gap between my Medicare eligibility and the loss of my healthcare?For assistance with these questions and your long-term disability or Social Security Disability...

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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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