01 November

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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...

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...

01 November

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

Posted by Nancy Cavey

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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...

01 November

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What if I am a public employee?

Posted by Nancy Cavey

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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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