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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...

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Sopranos Actor Involved in Insurance Scam | Social Security Disability Lawyer Tampa

What: Social Security Disability Scam Who: Former Soprano Actor Raymond Franza In a recent news article about a Social Security scam, Former Sopranos actor Raymond Franza is accused of claiming nearly $13,000 in Social Security disability benefits and never telling the government he was also getting $4,000 a month in private insurance payments from State Farm Insurance. Franza was involved in a car accident that caused the disability claim. The car crash happened in the spring of last year, authorities said. Franza was injured enough to apply for disability coverage through the Social Security Administration and,...

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

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...

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What Is Medically Determinable in Your Social Security Case? Florida Tampa Social Security Disability Lawyer

What: Social Security Disability Term " Medically Determinable " In an article about Social Security disability, a great post was made about what is medically determinable in a Social Security Disability case. You need to know what this term means and what and how it can effect you in your Social Security Disability case. As taken from the article, "A medically determinable physical or mental impairment is an impairment that results from anatomical, physiological or psychological abnormalities which can be determined by medically acceptable clinical and laboratory diagnostic techniques."  This term in plain language...

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

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...

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With Job Losses Disability Claims Grow | Florida Tampa Social Security Disability Lawyer

What: Job Loss Sends Disability Claims Soaring Who: MSNBC Article Area: Social Security Disability Benefits In a recent article by MSNBC, disability claims have soared due to the lack of jobs and people being laid off from their jobs. According to the article which highlights a man that had lost his job due to the economy and could not hold his own at work, he is now filing for Social Security due to his ability to not be able to work. The article states that "According to the Social Security Administration, which runs the two main federal...

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

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

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 ...

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Learn About Sciatica | Social Security Disability Lawyer in Tampa Florida

Sciatica is severe low back and leg pain that is caused by pressure or irritation of the sciatic nerve. What is the sciatic nerve? The sciatic nerve is the largest nerve in your body. It comes out of the spinal canal at your lower buttock area and travels down the leg. You have one in each leg. The sciatic nerve can be compressed, irritate or stretched and can cause severe low back and leg pain. The pain will often radiate to your knees calves and even your feet. If you suffer from Sciatica, you...

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

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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