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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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Ticket to Work Program | Social Security Disability Benefits and Your Right to Work | St. Petersburg SSDI Attorney

What: Learn about the Ticket to Work ProgramIf you are on Social Security Disability benefits and would like to return to work you might be eligible for the ticket to work program. This program allows people with Social Security Disability access to approved prior vocational rehabilitation services that are paid by the Social Security Administration to help you get vocational rehabilitation and training to help you do other kinds of work that’s different from what you’ve done in the past.If you are on Social Security Disability benefits and are thinking about a return...

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My doctor tells me that I can’t work anymore. What steps should I take before I stop working?

My doctor tells me that I can't work anymore. What steps should I take before I stop working?Get your long-term disability insurance policy (LTD) out and start to read.First, make sure that the condition preventing you from working is covered under your long-term disability policy. For example, if your policy doesn't pay benefits for fibromyalgia or only pays for 24 months, you better know that before you stop working.Secondly, look to see if there are any clauses in your policy that say benefits won't be paid unless you work for certain time before you...

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Herniated Discs and Oreo Cookies | Common Disability Injuries | Disability Lawyer in Florida

Think of your spine as a stack of Oreo cookies discs are like the cream in the Oreo cookie, discs allow for flexibility of your spine.If you take an Oreo cookie on press down on the cookie with your fingers the cream will bulge out of the cookie. That’s like a bulging disc. If you squeeze hard enough on the Oreo cookie, the cream will squirt out, that is like herniating your disc.The causes of disc bulging and herniation can include:1.     Age2.     Sudden violent movements3.     Work injuries4.     Sports injuries5.     Motor vehicle injuries6.     Repetitive ripping...

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What if I am a public employee?

What if I am a public employee?ERISA excludes local, state, and federal employees from coverage. For those covered under a private plan, the claim for the denial of benefits is going to be a claim for the breach of a contract and can be tried by jury in a state court system.The term “disabled” is defined in the policy, and the jury will be asked to determine if the claimant is disabled. Evidence is allowed to be brought in from outside of the “administrative record”. It is essential that you contact an attorney if...

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What is Social Security Disability Insurance | Social Security Disability Lawyer in St. Petersburg

Did you know that Social Security Disability Insurance is a disability benefits insurance program provided by the Social Security Administration? This program offers money benefits to individuals who have worked twenty out of the last forty quarters so that they have become insured and eligible for disability payments if they become unable to work for over a year.Social Security Disability benefits are not designed for people who have had a short-term illness that has kept them out of work less than a year. The Social Security Disability benefits are designed to provide...

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Social Security Disability Applications Rejected Every Year | Port Richey Social Security Disability Lawyer

Over 2.5 million applications for Social Security Disability benefits are rejected by the Social Security Administration every year. Your initial application for disability insurance is reviewed at the state level and statistics show that over 90% of these claims are rejected at the initial level and at the Request for Reconsideration level. To increase your chances of success at the hearing stage, Port Richey Social Security Disability benefits denied Lawyer Sharon Barrett, recommends that you obtain legal representation in your Social Security Disability claim.The Social Security Administration sets a standard attorney fee rates at 25%...

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What does ERISA do?

What does ERISA do?ERISA, an Employee Retirement Security Act enacted in 1974, requires employers to provide participants with information about the plan, plan funding and important features. This information is to be provided regularly and automatically. Information can be available free of charge or it can cost money.ERISA also sets the standards for employers for benefit accrual and funding rules. It is defined by the law as when an employee becomes eligible to participate in a plan, accumulate benefits, and have a right for those benefits. The funding of plans is also controlled by...

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