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Yellow Book Employees and Liberty Mutual Disability Claims

Are you a former employee of the Yellow Book who is insured under a Liberty Mutual disability policy? The date that you became disabled will determine your entitlement to disability benefits. Don’t destroy your long-term disability claim by filing a general release of employment claims. Did you know that you were terminated from your employment and asked to sign a general release of employment claims, you may unwittingly waive your right to a cover of benefits, under ERISA. This, of course, is State specific. If you are offered a general release, you need to read it very closely and should strongly...

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No Extra Benefits Seen in Study for Coronary Artery Disease

A traditional method of treating coronary artery disease is prescribing beta blockers, ace inhibitors, statins and daily aspirin. A recent study, a described in the New York Times, shows that traditional treatment for coronary artery disease is just as effective as stent implantation for prevention of chest pain, heart attack and need for future percutaneous coronary intervention. Percutaneous coronary intervention, or PCI, involves a surgeon inserting a mesh tube made of metal into an artery that has become narrow because of accumulated plaque. The tube is fed into an artery and expands to hold the artery open to the point that...

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Coronary Artery Disease and Stenting

Did you know that the common practice of inserting a stent in to narrow artery has “no benefit over the standard medical care in treating of single coronary artery disease” according to a study, summarizing 8 random trials comparing percutaneous intervention and traditional methods of treatment. In a percutaneous coronary intervention, a surgeon will insert a mesh tube made of metal into an artery that has become barrowed by accumulated plaque. The tube expands to hold the artery open, where the blood flow is restricted. These stents are filled with medication that help keep the artery open. Despite the wide spread popularity...

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Social Security Disability Benefits and Drugs that Cloud Your Brain

One of the many questions that you are asked in the Social Security Disability claim process is what medication you are using. Many people are unaware that pain killers, antihistamines, and various other medications can adversely effect brain functions. These drugs are called Anticholinergics can effect the action of Acetylcholine which is a chemical messenger with a range of functions in the body including memory function and cognitive function. Anticholinergics drugs can be cumulative and, according the Journal of American Geriatrics Society, researchers found that “those taking more than one Anticholinergics drugs will have lower cognitive function than those that are not...

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What Are the Odds- The Success of Your Social Security Disability Claims May Depend on the Judge

The Social Security Administration doesn’t make it easy to get your Social Security Disability benefits. In a recent study released by the Transactional Records Access Clearinghouse at Syracuse University, revealed “Why disparities in a percentages of claim’s granted by Administrative Law Judges with some judges within the same hearing office approving 90% of claims and others approving less than 15%”. Social Security Administrative Law Judges decide Social Security Disability claims in regional hearing offices. Cases are assigned to judge’s randomly and you would think that the approval rate would be roughly the same. However, each judge has their own way of...

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Ovarian Cancer Treatment side effects and your rights to long-term disability benefits

If you have been diagnosed with ovarian cancer and your treatment plan involves chemotherapy, you may experience physical, emotional, and psychological side effects. These can include: Fatigue Anemia Constipation Nauseousness and vomiting Mouth and throat problems Infection Anxiety and depression Nerve and muscle problems. When ovarian cancer prevents you from working, you may be entitled to receive long-term disability benefits if you purchased a disability policy from a private insurer or have coverage through an employer. Unfortunately, long-term disability carriers don’t make it easy to get the disability benefits you deserve, and in particular, do not understand the side effects of...

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I have been paid my long-term disability benefits for 10 years. Now they are denying my claim. Can I sue them?

  Before suing a long-term disability carrier, it is advisable to exhaust your appeal rights that are available under the Employee Retirement Income Security Act, (ERISA).  If you purchased your group long-term disability policy through your employer, your case will be governed under the ERISA disability law which allows for a 180-day appeal period. Nancy Cavey, ERISA long-term disability attorney, suggests that you get a copy of the long-term disability carrier’s file, including the adjusting notes, so you can see how they set your claim up for denial.  It is important that you retain an experienced ERISA disability attorney to perfect an...

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It depends on the terms of your policy! Many long-term disability carriers do provide that they have the right to reduce your benefits by the receipt of shop “other income”. ERISA disability attorney Nancy Cavey suggests that you first get out your long-term disability policy and review the terms of your policy to see whether or not there is a provision that allows for reduction of your benefits by the receipt of “other income”. Secondly, you should review the “other income” terms carefully to make sure that whatever benefits you might be receiving are in fact...

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If you purchased long-term disability benefits and your doctor has told you that you are unable to work, you should file a long-term disability claim form. There is no uniform disability form, but carriers like MetLife will use an individual disability claim and statement, individual long-term disability assessment, attending physician forms and behavioral assessment as part of the disability claims process. If you have difficulty getting these forms from MetLife, or completing the same, you should contact MetLife denied long-term disability lawyer Nancy Cavey. Nancy is never surprised when MetLife denies a long-term disability claim because carriers like MetLife are always looking for...

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