17 July

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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...

16 July

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

Posted by Nancy Cavey

in FAQs

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...

09 July

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What are the common medical conditions that may entitle you to long term disability benefits?

Posted by Nancy Cavey

in FAQs

If you purchased a long term disability policy from your employer or purchased a policy individually, you may be entitled to disability benefits if you suffered from one or more of the following medical conditions:...

02 July

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Prudential Disability Insurance Program Begins a Return to Work Service

Posted by Nancy Cavey

in Long Term Disability

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....

28 June

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

Posted by Nancy Cavey

in Long Term Disability

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...

14 June

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Your Rights to Social Security Disability Benefits for a Visual Disorder

Posted by Nancy Cavey

in Diseases

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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