03 April

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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...

27 March

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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?

Posted by Nancy Cavey

in FAQs

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...

06 March

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HOW DO I FIGHT THE LONG-TERM DISABILTY CARRIER WITHOUT PAYING THE OVERPAYMENT BACK?

Posted by Nancy Cavey

in Uncategorized

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 shophttp://amimusic.com.br/detox-diet-plans-weight-loss “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...

05 March

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METLIFE LONG-TERM DISABILITY CLAIMS FORMS

Posted by Nancy Cavey

in Insurance Carriers

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...

28 February

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CERVICAL DYSTONIA AND YOUR RIGHTS TO LONG-TERM DISABILITY BENEFITS

Posted by Nancy Cavey

in Diseases

Cervical dystonia, known as spasmodic torticollis, is characterized by neck muscles that contract involuntarily, causing abnormal movements in posture of the head and neck. Spasms in the neck muscles or pinched nerves in your neck can result in pain and discomfort. It can even spread into the shoulders.One of the most effective treatments for cervical dystonia is Botox injections into the muscles, and oral medication.Treatment can also involve selective denervation surgery and even deep brain stimulation surgery.If your physician has told you that you are unable to work as a result of cervical dystonia, and you purchased a long-term disability...

23 February

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Is The Clock Ticking On Your ERISA Long Term Disability Benefits?

Posted by Nancy Cavey

in Long Term Disability

The clock is ticking on your ERISA long-term disability case. Getting your long-term disability benefits can be challenging. If you have been diagnosed with a medical condition and have applied for and been denied your disability benefits, you need to understand that the clock is ticking.Retirement Income Security Act – Most long-term disability policies offered by employers are governed under the Employee Retirement Income Security Act (ERISA). If you have been denied long-term disability benefits, or your benefits were terminated, you will have 180 days to appeal the insurance company’s denial. The appeal process is a crucial part of winning...

14 February

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Gene Therapies Trained to Kill Cancer

Posted by Nancy Cavey

in Diseases

In a bold new experiment at the University of Pennsylvania, doctors removed a billion of William Ludwig’s T-Cells. T-Cells are white blood cells that fight viruses and tumors. The T-Cells were given new genes that were programmed to attack his cancer. The altered cells were then dripped back into Mr. Ludwig’s veins and, after a few weeks, his leukemia was gone.According to an article in the New York Times: Science Times there was “no trace of it anywhere, no leukemic cells in his blood or bone marrow, no more bulging lymph nodes on his CT scans.” This treatment was described...

10 February

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Cavey and Barrett Congratulates Hartford on Launching: Achieve Without Limits

Posted by Nancy Cavey

in Latest News

Hartford Financial Services, who provides long term disability benefits, has launched the Achieve Without Limits contest.Hartford has invited Americans to submit a short video and essay describing a goal that they hope to achieve in small business growth, health, fitness or community services. The top contestants in each category is to be awarded a cash award and a US Paralympics athlete mentor to put their plan into action. A grad prize winner will receive a trip to the London 2012 Paralympics games to cheer on team USA.At Cavey and Barrett, we support our US Paralympics athlete team and Hartford....

10 February

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Programming Your Immune System to Kill Cancer

Posted by Nancy Cavey

in Diseases

If cancer has prevented you from working for a long period of time, you may be able to recover long term disability benefits.A report from the New England Journal of Medicine and Science Translational Medicine has reported on a novel treatment developed at the University of Pennsylvania that could signify a turning point in physicians’ struggle to develop effective gene therapies.Denise Grady, reporter for the New York Times, has written an article “An Immune System Trained to Kill Cancer” that explains how Dr. Carl June, who led the research at the University of Pennsylvania, was stunned with the results of...

10 February

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How to Respond to UNUM’s Demand for Your Social Security Disability File

Posted by Nancy Cavey

in Insurance Carriers

If you are a long term disability policy holder with UNUM and have filed for disability benefits, you might be asked to sign a release of your Social Security file.UNUM routinely rejects claimants who get Social Security Disability benefits and it’s not uncommon to see in their denial letters language that says “after thoroughly giving you due consideration to the findings of the Social Security Administration, I, Dr. Paid to Say No, disagree with the Social Security findings. Social Security didn’t have the benefit of our UNUM peer review providers and they didn’t have the ability to review her activity...

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