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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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Beta Interferons Treatment and MS

Multiple Sclerosis (MS) is a potentially debilitating disease that causes inflammatory damage around the axons of the brain and spinal cord. This damage to the myelin sheath called the “demyelination” can cause loss of sensitivity, tingling, pins and needles, numbness, muscle weakness, spasm, difficulty moving with coordination, balance, speech and digestive problems.Beta Interferon has been used as one of the first line “disease modifying treatments” but, unfortunately, researchers at the University of British Columbia are reporting that there is “no strong evidence of a significant association between using Beta Interferons in MS in delaying long term disability progression”.If you have...

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I Have Had Back Pain for Months, Am I Entitled to Social Security Disability Benefits?

Did you know according to the National Institute of Health, Americans spend over $50 billion every year to treat low back pain. If you have aching, sharpness, burning, numbness, tingling that has lasted three to six months, you have chronic back pain.Many people with chronic back pain have tried treatments like physical therapy, injections and even surgery without relief of on going back pain. If you have had chronic back pain for more than six month and you are unable to work, you should contact chronic back pain Social Security Disability attorney Nancy Cavey to learn more about the Social...

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Social Security Administration Ruling on Fibromyalgia

The Social Security Administration has issued a Social Security ruling (SSR 12-2p) on the evaluation of fibromyalgia. This new rule, which is effective July 25, 2012, states that: “fibromyalgia is a medically determinable impairment when it is established by appropriate medical evidence”. A diagnosis of fibromyalgia must be made by a licensed physician who using the “1990 American College of Rheumatology Criteria” or the “Classification of Fibromyalgia” or the “2010 American College of Rheumatology Preliminary Diagnostic Criteria”. The Social Security Administration will also complete a longitudinal "view site" review of the doctors’ treatment notes and your symptoms. Once it’s...

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The Secret the Social Security Administration Doesn’t Want You to Know- How Social Security Benefits Can Protect Your Full Retirement Benefits

Why would you want to do that? If you opted to take early retirement benefits, you receive a reduced benefit amount for the rest of your life. However, if you have been approved for disability benefits, the Social Security Administration is agreeing that your medical condition would have kept you working until full retirement age had you not been disabled. As a result, the Social Security Administration doesn’t penalize you from being disabled, you are allowed to collect your full retirement amount, instead of the reduced amount for the rest of your life. What You Should Do: You should contact Tampa Bay...

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Social Security Disability Offsets and Your Long Term Disability Policy

Did you know that most long term disability policies have a Social Security Disability benefit offset provision? That means that you are, by the terms of your disability policy, required to apply for Social Security Disability benefits. And, once you are approved for those benefits, you need to pay back the insurance company the “overpayment”. The overpayment is the difference between your gross long term disability benefits and your Social Security Disability benefits. That can mean that your monthly benefits are reduced to something called a minimum mandatory payment which is generally one hundred dollars per month, or 10% of...

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What are Long Term Disability Benefits?

You can purchase a long term disability policy that will pay a percentage of your income when you cannot work due to health reasons. Some employers offer long term disability benefits to their employees which will be covered under the Employer Retirement Income Security Act (ERISA) while others purchase policies on their own.If you can afford it, you are far better off to purchase your own individual disability policy because if you need to file a claim to collect those benefits, you have more legal rights with a private disability insurance policy. When do Long Term Disability Policies Pay Benefits? Most long...

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