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What Should I Do If My Doctor Refuses to Fill Out the Long Term Disability Insurance Medical forms?

Change doctors! Sorry, but your doctor may be the best doctor in the world but if your doctor won't file out the Long Term disability insurance medical forms, you will most likely NOT get paid your disability benefits.Before you apply for long term disability/ERISA disability benefits, Nancy Cavey, a long term disability claims lawyer in Florida, suggests you get  a copy of your doctor's records and see what is in those records about your complaints, your symptoms and your ability to do your job. If those records don't support your claim you will have a problem with your disability claim.Make sure...

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Living with Your Pain | Social Security Disability Lawyer in Tampa

When you apply for Social Security Disability you are going to be asked about your ability to function on a daily basis. Even though you may live with your pain everyday, the Social Security Administration has no idea what your day is like unless you tell them.It’s important when you complete any Social Security Disability forms that you explain:1. The nature of your pain. 2. The location. 3.  How often you have pain and how long it lasts. 4.  What may trigger your pain. 5.  What impact the pain has on your ability to function around your home. 6.  Side effects of your medication.Please ...

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Can I refuse to attend a neuropsychological exam at a long-term disability carrier?

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 a long term disability 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)...

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How to Answer the Question “Why You Can’t Work?” | Social Security Disability

During the course of your Social Security Disability claim you are going to be asked a very crucial question: “Why Can’t You Work?”Why can’t you work eight hours a day, five days a week at a simple job? Most people don’t understand why that question is being asked because they think it is obvious why they can’t work. As a result, they give the “wrong” answer.The Social Security Disability stage process as we discussed in earlier posts explains that you must establish a steps four and five that you can’t do...

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How is the long term disability/ERISA lawyer going to let me know if they are going to pay my disability benefits?

How is the long term disability/ERISA lawyer going to let me know if they are going to pay my disability benefits?You might get a call but most likely you will get a letter letting you know if you are going to be paid your disability benefits.If you get a letter sayig the long term disability carrier will pay your benefits, make sure you are getting the right amount and any back benefits.If you get a letter denying your benefits, you generally have the right to appeal. Don't fool around about a denial. The reality...

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The long term disability/ERISA insurance compnay refuses to pay my disability benefits and I want to sue them!

The long term disability/ERISA insurance compnay refuses to pay my disability benefits and I want to sue them!If you have a private disability insurance policy that you have purchased, you can sue in state court if the long term disability insurance company denies your claim. We file a bad faith claim with the Department of Insurance and, after that cliam period has expried, we generally file a state law suit.If you have a group disability policy it is governed by a federal law called ERISA which requires you to exhaust all of your administrative remedies...

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Find Out How Much You Will Recieve for Monthly Social Security Disability

How Do I Know How Much I Get For My Monthly Social Security Disability?If you are wondering how much you will get for your monthly Social Security Disability payments, former Social Security Administration staff attorney, Sharon Barrett, of Tampa Bay’s Cavey and Barrett, suggests that you can calculate the amount of the Social Security Disability benefit you should receive by looking at the following disability calculator: http://www.ssa.gov/planner/calculator.htm on the Social Security Administration website.If you have other questions about Social Security Disability, do not hesitate to contact Cavey and Barrett today to help answer these...

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The long term disability/ERISA carrier has decided to pay my long term disability benefits. What happens next?

The long term disability/ERISA carrier has decided to pay my long term disability benefits. What happens next?Awesome! Make sure the long term disability insurance company is paying you the right amount of long term disability benefits, not taking any improper deductions, and is paying you any back benefits that you are owed.If you have any questions about whether you are getting the right amount of long term disability benefits or have questions about any deductions by the long term disability insurance company, contact St. Petersburg/Tampa disability lawyer Nancy Cavey by clicking the link...

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What is Work Experience in Your Social Security Disability Claim?

What: Work Experience in Your Social Security Disability ClaimThe Social Security Administration classifies work as unskilled, semi-skilled and skilled work. This is important at hurtle 5 of the sequential evaluation process when the Social Security Administration is trying to determine whether or not you have work skills from your jobs that are transferable to other employment.It is important that you accurately set forth the nature of the skills that you learned in each of your jobs. An unskilled work is work that can be learned in thirty days or less. Every other...

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Should I continue to pay the premium for long term disability coverage if I am awarded my long term disability benefits?

Should I continue to pay the premium for long term disability coverage if I am awarded my long term disability benefits?Most long term disability policies have a provision that says if you are granted your long term disability benefits, your premium for continuing long term disability coverage is waived and you don't have to pay. This is called a "waiver of premium" clause and you need to check your policy to see if you have that provision in your long term disability/ERISA policy.Disability lawer Nancy Cavey can help you read and understand your long...

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