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You May be Entitled to Long Term Disability Benefits for Osteoarthritis

If you have purchased an individual long term disability policy or group disability policy and you have been diagnosed with osteoarthritis, you may be entitled to long term disability benefits if your condition is so severe that if prevents you from working. Osteoarthritis is a chronic joint disease of the hands, knees, hips and spine. It primarily effects adults age 55 years or older and is caused by a breakdown of cartilage in your joints. While physical therapy and medication can help control the pain, joint replacement surgery may be necessary when the joints in your hands, hips, or knees are damaged...

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What Does it Take to Collect Your Long Term Disability Benefits?

Long term disability attorney Nancy Cavey knows that disability carriers are notorious for delaying, denying and challenging your right to disability benefits. It takes persistence, experience and team work to get your long term disability benefits. From the moment that you file your disability claim, your carrier is looking for a reason to deny your disability benefits. One of the strategies that they employ is to use a disability guideline from a predetermined statistical duration after which you should be able to “return to work”. One of the leading guides long term disability carriers use is giving statistical guidelines. Long term disability...

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Controlling Diabetic Neuropathy and Your Rights to Social Security Disability Benefits

  Diabetic neuropathy is caused by high blood sugar that injures the nerves and blood vessels throughout the body. Diabetic neuropathy can cause tingling, constant burning in the feet or sharp pain or even extreme sensitivity to touch making standing on your feet unbearable. If you have been diagnosed with diabetes, one of the most important things that you can do is keep your blood sugar as close as possible to your daily and long term targets. Four other ways that you can help control diabetic neuropathy include: 1.      Controlled blood pressure; 2.      Stop smoking; 3.      Stay active; 4.      Slim down. There are also prescription medications available...

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What’s the two step ERISA claim’s process?

What’s the two step ERISA claim’s process? Under ERISA, you have the right to file a claim for disability benefits and provide a disability carrier with information about your claim. If your plan administration denies your claim, you have 180 days to appeal. That can make all the difference between getting and losing your ERISA benefits. You must complete the appeal before filing a lawsuit. If your ERISA long term disability claim is denied, contact disability attorney Nancy Cavey who can explain to you your rights to long term disability benefits. Do not wait to learn about your options, contact us today before...

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How much of my income is disability insurance intended to replace?

How much of my income is disability insurance intended to replace?  Many Americans, just like Nancy Cavey’s father, purchased disability insurance to provide financial assistance when they need it most and were disabled and unable to work. Disability insurance benefits are intended to replace from 40-60% of your gross income if you are unable to work for an extended period of time. If you are looking to file for disability, or looking to answer questions about disability like is your income on disability insurance going to replace your current income, give us a call today at 727-894-3188 to talk with us. The...

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Stroke Robot Therapy Can Help Retrain Your Brain

If you suffered from a stroke, robotic technology using robot devices to assist your impaired limbs with performing with regular motions may help you regain strength and function. One of the leading centers in the United States is the Emory MBNA Stoke Center at the Emory Clinic. Robotic assisted therapy can be an effective alternative to help those with stroke recover www.mayoclinic.com. If you have suffered a stroke and your physician has told you that you are unable to work, you should apply for Social Security Disability benefits. The Social Security Disability Administration doesn’t make it easy for those who have had...

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Three Things that Every Social Security Disability Applicant Must Consider

The Social Security Disability claim’s process is confusing, lengthy and frustrating. 70% of applicants are denied at the initial stage and it’s important for first time applicant to be fully prepared and understand the Social Security Disability claim’s process. Nancy Cavey, Pinellas Park Social Security Disability attorney, has these three tips for initial Social Security Disability applicants: 1. Go online and review the Social Security Disability application. Gather your medical, pharmacy, and employment information before you begin completing the Social Security Disability application. 2. Be honest. You are going to be asked questions about your ability to work and the severity of your...

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Prudential Disability Insurance Program Begins a Return to Work Service

One of the many disability carriers in the United States is Prudential Group Insurance which has created a Return to Work Service for employers to assist them with Short Term Disability claims. This program provides employers with assistance in developing a Return to Work Program for employees who are disabled. Disability insurance claim denied attorney Nancy Cavey applauds Prudential’s efforts to begin a Return to Work program to help those who are disabled return to work with assistance in helping employers and disabled employees to return to work in a modified capacity and transitional role....

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What is the 11th Circuit’s Standard of Review?

Did you know that when an ERISA law suit is filed, the court employs a state methods overview. These include: 1. A denovo review if the plan doesn’t grant the Administrator discretion to make the determination; 2. Arbitrary and capricious where the plan grants the Administrator discretion; 3. Heightened arbitrary and capricious where the plan grants Administrator discretion and the Administrator has a conflict of interest. The 11th Circuit has it’s own six step framework to guide courts in evaluating the plan administrator’s decision and ERISA action. The 11th Circuit test is found in Blankenship vs. Metro Life Insurance Company 644f3d1350 (11th Circuit, circ...

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