28 August

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NOSSCR Commentary Article About SSDI Misconceptions

In a recent commentary article by NOSSCR, found here: http://thehill.com/blogs/congress-blog/healthcare/215601-ssdi-the-truth-behind-media-and-political-mischaracterizations shows some misconceptions that the media may put out about SSDI. What are your thoughts about the article and the real truth behind it? Do you need help with your SSDI or have a question? SSDI Attorney Nancy Cavey has been practicing disability law for over 30 years. Give us a call today 727-894-3188....

25 August

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Stomach Cancer And Your Rights To Long Term Disability Benefits

Posted by Nancy Cavey

in Diseases

stomach cancer long term disability attorney

Did you know that stomach cancer is the 4th most common cancer worldwide and the 2nd leading causes of cancer deaths in the world? More than 10,000 American suffer from stomach cancer and 1 in every 114 men and women are at risk of this deadly disease! However, if you are diagnosed with stomach cancer, you should immediately apply for long term disability benefits. Stomach cancer signs and symptoms Early stage stomach cancer rarely causes symptoms and, as a result, detection is difficult. However, signs and symptoms of stomach cancer can include: 1. Indigestion, heartburn or ulcer-type symptoms; 2. Difficulty swallowing; 3. Abdominal pain or vague discomfort...

04 August

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Cognitive Dysfunction And Your Claim For Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Long term disability carriers don’t make it easy for those who are disabled to get the long term disability benefits that they deserve. Long term disability carriers deny claims on the basis of: A. Lack of diagnostic criteria; B. No clinical connection with disabling medical condition; and C. No objective medical or self-reported symptoms and limitations. Cognitive Dysfunction Cognitive dysfunction is present in a number of medical conditions, including tinnitis, hearing loss, headaches and vertigo. Cognitive dysfunction isn’t evidence of a disability but it’s an important factor to consider in determining the disability. Courts require that long term disability carriers give attention to subjective complaints, assign...

28 July

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What Every Erisa Plan Holder Needs To Know About Plan Amendments

Posted by Nancy Cavey

in Long Term Disability

If you employer offered you a disability policy, you may be covered by the Employer Retirement Income Security Act (ERISA). ERISA governs both pension benefit plans and long term disability benefits. ERISA long term disability plans are amended for one reason or another. Amendments can be classified into two categories, substantive and procedural. Substantive and Procedural Plan Amendments If a benefit is changing or ending, this would be considered to be a substantive. However, if only appeal procedures such as deadlines for submitting an appeal or for decision-makers to make the final decision on a claim, that’s probably a procedural amendment. The general...

24 July

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Why Discovery Is Limited In Erisa Cases

Posted by Nancy Cavey

in Long Term Disability

If you purchased a long term disability policy through your employer, your long term disability policy may be governed by the Employer Retirement Income Security Act (ERISA). If you’re a long term disability policy holder whose benefits have been denied, you can challenge that denial in a federal court. However, you or your lawyer’s rights to conduct discovery and take the deposition of a claims adjuster, peer review doctors or others is generally limited. Why’s Discovery limited? The fundamental goal of ERISA is to provide a “method for workers and beneficiaries to resolve disputes over benefits inexpensively and expeditiously.” Accord Semien v. Life...

14 July

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Group Health Insurance Benefits For Those On Long Term Disability Insurance

Posted by Nancy Cavey

in Long Term Disability

group health insurance long term disability attorney

When you became disabled you, unfortunately, most likely lost your job and your group insurance benefits. The lack of health insurance can have a devastating impact on your medical and financial future. Websites for help with insurance Did you know that there are a number of websites that can help you find an affordable insurance program? These include the following: • Heathcare.gov: The official site for the Health Insurance Marketplace (a.k.a. Obamacare); • FinancialHelpforHealth.org: A new site from the Robert Wood Johnson Foundation to help consumers learn about credits and subsidies for health insurance; • AARP.org: Solid information on both Medicare and the Health Insurance...

30 June

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Discretionary Clauses And Your Long Term Disability Claim

Posted by Nancy Cavey

in Long Term Disability

Discretionary Clauses long term disability claims

Get out your long term disability policy and look for something called the “Discretionary Clause”. It’s a clause that lets the long term disability carrier make the decision and requires that the court defer to its decision. It’s what I call a “get out of jail free card.” Fortunately, there are some states that prohibit discretionary clauses in long term disability policies. These states include: California; Colorado; Illinois; Michigan; and Washington. You can determine whether the discretionary clause is applicable to you by looking at your disability policy and what state your policy was issued. What other terms don’t you want to see in your long term disability...

24 June

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Making The Decision To Hire An Attorney To Get Your Long Term Disability Benefits If Your Claim Has Been Denied

Posted by Nancy Cavey

in Long Term Disability

You bought your long term disability policy to provide you and your family peace of mind if you were unable to work. You’ve even made the difficult decision to apply for disability benefits knowing that your physician and employer have supported your claim. Yet, you’ve gotten a denial from the long term disability carrier. No matter how angry or upset you are, don’t walk away from your long term disability claim. As a disability attorney, I know that very few people look forward to protracted litigation but there are times in life when the only right course of action is...

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