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Doctors Earn Millions to Aid Long Term Disability Insurance Companies to Deny Claims

doctors long term disability

You bought a long term disability policy to provide you and your family peace of mind if you became disabled. Every year, millions of Americans file for long term disability as a result of illness or injury. Unfortunately, long term disability carriers are in the business of collecting premiums and not paying benefits. One of the ways that they legally deny long term disability claims is by hiring medical doctors to write reports about whether there is an objective basis for the diagnosis, objective basis of any restrictions and limitations, whether they are capable of working in at least a...

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ERISA Mediations, Your Chance to Tell Your Story

medications ERISA disability

If you have purchased your disability policy through your employer and have become disabled, your claim will be governed by the ERISA law. ERISA law is unlike any law in the United States and, quite frankly, it isn’t a fair law. Many ERISA disability policies have a provision in the policy that grants discretion to them to make the claims decision. That discretionary clause unbalances the scale of justice because a Federal Judge must give deference to the decision of the long term disability carrier.It is, quite frankly, difficult to win an ERISA case in court. Your day in court...

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Peripheral Artery Disease and Your Rights to Social Security Disability Benefits

Peripheral Artery Disease social security disability

Do you have muscle cramping in your legs with physical activity? Experience numb, cold or weak legs? Slow to heal foot sores?You may be suffering from Peripheral Artery Disease (PAD) which occurs when plaque builds up on the walls of your arteries that supplies blood to your legs. If you have diabetes, smoke, have high blood pressure, are 50 or over or are African American, you are at a higher risk for Peripheral Artery Disease (PAD).If your doctor has told you to stop working as a result of PAD, you may be entitled to Social Security Disability benefits.Social Security Disability...

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Long Term Disability Insurance Offsets

Did you know that most long term disability insurance policies have a provision in their policy called Social Security Disability offset? You may find this in a definite section under “other income”. Your disability policy will require you, by the terms of the contract, to apply for Social Security Disability benefits. The insurance company forces you to apply for Social Security Disability benefits so that they can reduce the amount of your long term disability benefits by the receipt of your Social Security Disability benefits. It’s enough to make you wonder why they have made you purchase a long term...

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Chronic Back Pain and Your Rights to Social Security Disability Benefits

Do you have chronic back pain on a daily basis? Doing the simplest of tasks around the house or at work can be difficult, painful and downright unbearable. Unfortunately, surgery may not relieve your back pain and despite physical therapy, injections and even surgery, you may still have chronic back pain.According to the National Institute of Health, Americans spend over $50 billion every year to treat aching, sharp, burning, numbness and tingling back pain. If you have had those symptoms for more than six months, you have chronic back pain.That chronic back pain can also cause fatigue, sleepiness, anger, anxiety and depression.To...

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What Medical Evidence Will Help Your Fibromyalgia Claims So that You get the Social Security Disability Benefits that You Deserve

fibromyalgia social security disability

The Social Security Administration has just issued a ruling for the evaluation of fibromyalgia (SSR 12-2p). Fibromyalgia is a medically determinable impairment which will be recognized by the Social Security Administration if diagnosed by a licensed physician who uses the American College of Rheumatology Criteria for the classification of fibromyalgia.Additionally, the Social Security Administration will also consider medical evidence pursuant to SSR 06-3p. The Social Security Administration will look at your medical records and will take a longitudinal view of your treatment notes and your symptoms. That’s one of the reasons why it’s important to give an accurate description to...

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Tips to Reduce Your Risk for Developing Arthritis

arthritis long term disability

Arthritis can be a disabling condition that prevents you from working. If your doctor has told you are unable to work, long term disability benefits may be available to offset lost wages.Did you know there are five tips to reduce your risk of arthritis: 1. Exercise; 2. Don’t push your body past its limits; 3. Watch your weight; 4. Stand up straight; 5. Take a Vitamin D. While family history plays a role in your risk of developing arthritis, the chances of developing many types of arthritis, including osteoarthritis and rheumatoid arthritis increases the older you get. While you can’t...

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Crohn’s & Colitis Take Steps Walk Tampa Event

The Crohn's & Colitis Take Steps Walk Tampa Event is this Saturday, 11/3/12 - The walk starts at 4:00 if you are interested in the event to walk for a great cause (registration starts at 3:00).  The location is right behind the St. Pete Times Forum in Tampa. The official Take Steps website can be found here: encourage the community to get out there and walk for a great cause, Crohn's & Colitis affects many people all over the Tampa St. Petersburg area. We look forward to hearing about your walk!The Law Office of Nancy L. Cavey helps people with their disability benefits,...

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Choosing the Right Law Firm to Fight for Your Social Security and Long Term Disability Benefits

 Did you know that most long term disability policies have a Social Security Disability offset provision? A long term disability insurance company will force you to apply for Social Security Disability benefits and, if you don’t, they will take the position that they are entitled to the offset anyway! Many times the long term disability insurance company will offer you Social Security Disability representation. That’s bad news for several reasons:1. You have the choice of your attorney;2. The Social Security representative recommended by the long term disability carrier may not even be an attorney;3. Many of these companies will develop...

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Headache Pain and Your Rights to Social Security Disability Benefits

headache pain social security disability

Headache pain can cause you to be disabled. If your doctors have told you that you are unable to work, you should apply for Social Security Disability benefits.Unfortunately, many Administrative Law Judges question the credibility of Social Security Disability applicants regarding the severity and frequency of the headaches.It’s important that when you apply for Social Security Disability benefits as a result of a headache that you outline in your application how your daily activities are impacted by your headaches, the timing and duration of your headaches and how you treat your headaches.So, for example, if you have a headache and...

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