Is there a difference between short term and long term disability benefits?

Is there a difference between short term and long term disability benefits?Absolutely. It is lke the difference between night and day!Short term disability is just like it sounds. Short term disability benefits provide income replacement for a short period of time. This policy generally provides partial income replacement for about 6 months.What happens after that? If you have purchased long term disability, your may be eligible for long term disability benefits once you have been paid all the short term disability benefits that you are owed.The change from short term disability to long ...

01 November

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I paid my premium for long term disability benefits all these years. Now that I need those benefits, will the long term disability carrier pay my long term disability/ERSIA benefits?

Posted by Nancy Cavey

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I paid my premium for long term disability benefits all these years. Now that I need those benefits, will the long term disability carrier pay my long term disability/ERSIA benefits?Maybe!There are good and bad long term disability carriers. Any long term disability insurance or ERISA carrier will require you to show evidence that you have a medical condition covered by the policy and overwhelming evidence you are disabled and evidence that shows there is a connections between what is wrong with you and your inability to work.Just because your doctor says you can't...

01 November

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Will the long term disabiility/ERISA insurance company contact my co-workers, family members, or neighbors?

Posted by Nancy Cavey

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Will the long term disabiility/ERISA insurance company contact my co-workers, family members, or neighbors?Without a doubt! The disability insurance carrier will start by talking with your employer to get your job description and information about your job performance. They want to see if you stopped working because of problems with your job or ou supervisor.Next on the list is family members and your neighbors. This can be very problematic. Your family members might say something that unintnetionally hurts your insurance disability claim and your neighbors just might say something intentionally to hurt your...

01 November

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Will the long term disability insurance company send someone to my house to take my statement?

Posted by Nancy Cavey

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Will the long term disability insurance company send someone to my house to take my statement?Yes, they just might do that. At Cavey and Barrett, we think a call from the carrier saying they want to come and take your statement is bad news. Florida Disability attorney Nancy Cavey has written about "How to Avoid Making Mistakes in Your Statement" which is a must read for any long term disability claimant who has gotten "THE CALL" asking for a statement.Answering these broad-based questions isn't easy. Help is a phone call away. You can...

01 November

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Help! The Long Term Disabilty/ERISA carrier has called and wants to come to my house! What should I do?

Posted by Nancy Cavey

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Help! The Long Term Disabilty/ERISA carrier has called and wants to come to my house! What should I do?Nancy Cavey, a Florida based disability attorney, has a blog just on long term disability and ERISA issues where you will find a free guide about how to prepare for your home visit. Start reading!I suggest you read this posting and the other 26 postings about the questions you will be asked at this visit. Next, I suggest you call me as you don't want to have a home visit without being prepared and having representation.This is...

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