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?

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...

01 November

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Do I have to have the long-term disability/ERISA insurance company’s permission to speak with my doctor?

Posted by Nancy Cavey

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Do I have to have the long-term disability/ERISA insurance company's permission to speak with my doctor? No! And - no! And I'm not kidding, no! The long-term disability/ERISA insurance company will miss use any release you give them. What do we mean? Long-term disability/ERISA insurance lawyer Nancy Cavey has found that carriers will use the release to call up your doctor in question your doctor's diagnosis, opinion about your ability to work, and even have your doctor look at surveillance film. The long-term disability/ERISA insurance companies will have their doctor try to intimidate your doctor. The ...

01 November

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When should I file a claim for long-term disability/ERISA benefits?

Posted by Nancy Cavey

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When should I file a claim for long-term disability/ERISA benefits? Before you stop working, long-term disability/ERISA lawyer Nancy Cavey suggests that you get your long-term disability policy (LTD) out and read that portion of the policy that tells you when you must file a claim. Most policies require that you file your claim for long-term disability/ERISA benefits within a certain period of time after you stop working. Different policies say different things, but we commonly see a 30 day requirement for the timely reporting of your long-term disability claim. Make sure you don't miss that crucial...

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