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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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Your Rights to Social Security Disability Benefits because of Hand Pain

There are many illnesses or injuries that can cause painful hand conditions. These can be due to:1. Nerve damage or neuropathy 2. Radiation therapy to combat cancer 3. Diabetes that effect the nerves in your limbs 4. Multiple Sclerosis that cause the nerves in the hands to become damaged 5. Raynaud's Syndrome which starves the hand of blood and oxygen 6. Carpal tunnel syndrome.If you have hand pain, you should consult with a medical specialist who will help determine the cause of your pain. A neurologist can test the sensitivity of your hand to discover what nerves are involved and may recommend an EMG, a...

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Tampa Social Security Disability Lawyer Explains the New Compassionate Allowances for Social Security Disability Applicants

The Social Security Disability application process can be challenging for many. However, 52 newly announced Compassionate Allowances for disability benefits should speed up the process. These allowance conditions will go into effect in August of 2012. A Compassionate Allowance Program fast tracks disability decisions for Social Security Disability applicants who have neurological disorders, cancers and rare diseases.You still must qualify for Supplemental Security Income or Social Security Disability benefits under the Compassionate Allowance Program.The new 52 conditions increase the total to 165. The 52 new conditions include cancers, brain disorders, rare genetic disorders, early on set Alzheimer’s and immune system...

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Your Rights to Social Security Disability Benefits for a Visual Disorder

If you have been diagnosed with a visual impairment, you may be entitled to Social Security Disability benefits. Visual disorders can include degenerative conditions, diabetic retinopathy, or cancer. If you have these difficulties and are unable to work for 12 months or longer, you may qualify for Social Security Disability benefits. SSDI is a disability insurance program that is funded as a result of withholdings from your paycheck. SSDI can provide you with monthly income if you are under full retirement age and can no longer work because of visual impairment.Visual impairments and the Social Security Disability claim’s process.The Social...

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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.Do you have Prudential disability insurance ? Trying...

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