01 November

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ERISA claim?

Is there any benefit to me to have a long term disability/ERISA attorney represent me in my long term disability/ERISA claim?There are lots of reasons you should have Cavey and Barrett represent you in your long term disability/ERISA claim.We help you even before you file for disability by gathering your medical records, making sure your doctor supports your claim, help you filel out Activitiies of Daily Living Forms, and help your doctor fill out your disability forms correctly.Nancy Cavey will help take the burden of dealing with the disability carrier from you and ...

01 November

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What written material does the Long term Disability/ERISA carrier look at when they decide if they are going to pay my long term disability benefts?

Posted by Nancy Cavey

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What written material does the Long term Disability/ERISA carrier look at when they decide if they are going to pay my long term disability benefts?The long term disability/ERISA carrier will look at your medical records, your job descrition and other material they get from your employmer, statements that you make on your Activities of Daily Living forms and even surveillance they have taken of you.You can make sure that your file is complete by contacting long term disability/ERISA attorney Nancy Cavey. Nancy, who is based in St. Petersburg, Florida, represents long term disability applicants...

01 November

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Does Florida state law affect my personal private (non-ERISA) disability claim?

Posted by Nancy Cavey

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Does Florida state law affect my personal private (non-ERISA) disability claim?Every state, including Florida, has laws that goven personal private (non-ERISA) disability policies.In Florida, you can seek punitive damages if your disability insurance carrier handle your claim in bad faith. Florida law requires that you placed the disability carrier on notice of their bad faith and give them an opportunity to "correct" their bad claims handling before you can sue them for punitive damages.Attorney Nancy Cavey specializes in long-term disability claims and can guide you through the complex claims process. She has personal...

01 November

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Is there a “treating doctor” rule in long term disabilty/ERISA cases that says my long term disability insurance company has to accept the opinons of my doctor?

Posted by Nancy Cavey

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Is there a "treating doctor" rule in long term disabilty/ERISA cases that says my long term disability insurance company has to accept the opinons of my doctor?The United States Supreme Court has said "No!" Unlike Social Security, there is no treating doctor rule in long term disability/ERISA cases. In Black and Decker v. Nord, the court said the long term disability/ERISA carrier does not have to give greater weight to the opinions of your doctor than the insurance company doctors.That does not mean your doctor's opinion does not count. At Cavey and Barrett,...

01 November

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

Posted by Nancy Cavey

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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...

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