12 April

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What Testing Does the SSA Want to See in an Cardiovascular Impairment Social Security Disability Claim?

[vc_row triangle_shape="no"][vc_column][vc_column_text]The Social Security Administration (SSA) wants to see an objective basis of the diagnosis, particularly if you are attempting to meet a cardiovascular listing 4.00.What are the two pieces of medical evidence required?You must establish that you have persistent and recurrent cardiovascular problems. As a result, the SSA will look at your medical records for a minimum of a three month period to evaluate the severity and duration.Assuming that your medical records document your cardiovascular treating the Social Security Administration is going to be looking for two critical pieces of evidence:(1) ECG: Electrocardiograph/Electrocardiogram and,(2) ETT: Exercise Tolerance Test/Exercise Stress...

19 March

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Why Do Insurance Companies Deny Short Term Disability Benefits or Cut Off Benefits During The Short Term Disability Period?

Posted by Nancy Cavey

in Insurance Carriers

Short Term Disability Period Denial Insurance Company

Unfortunately, it's not uncommon for disability insurance carriers to deny a short term disability claim, or cut off a policy holder during a short term disability period. Why? Most of these policy holders also have long term disability insurance and that creates a significant exposure to the long term disability insurance carrier. The disability carrier is hoping that you get discouraged and don't file an appeal and/or fail to even apply for your long term disability benefits. Why Do Disability Insurance Carriers Deny Short Term Disability Claims I believe that disability insurance companies set up short term disability denials to make it...

06 March

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What Every Long Term Disability Applicant Needs to Know About Having the Right Medical Support For Their Disability Claim

Posted by Nancy Cavey

in Long Term Disability

Right Medical Support Disability Claims LTD

When an injury or sickness prevents you from working, you may be entitled to disability benefits under a long term disability policy.However, before you stop working, you should get out your disability policy and understand:(1) how the policy defines occupation,(2) what type of proof the policy requires.It’s crucial that you understand the claims process before you stop working and apply for long term disability benefits. What Is A Disabling Condition? Most policies define a disabling condition as an injury or sickness that prevents you from doing the material and substantial duties of your occupation. How does your policy define disability condition and...

02 March

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Why It’s Crucial That Every Long Term Disability Applicant Pick The Right Date To Be Disabled

Posted by Nancy Cavey

in Long Term Disability

Date To Be Disabled Long Term Disability

One of the many challenges in applying for long term disability benefits is to determine the date that you become disabled and the date you should stop working. Before you stop working you should get out your disability policy and consider the following. What is the effective date of your long term disability coverage? If you become disabled before the effective date of your coverage, your long term disability carrier will deny our claim right off the bat on the basis that you’re not qualified for coverage. The Pre-existing Disability Clause Many disability insurance policies will have a pre-existing disability clause that prohibits the...

12 February

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Five Things Every Long Term Disability Policy Holder Should Know About Submitting a Notice of Claim

Posted by Nancy Cavey

in Long Term Disability

Submitting a Notice of Claim Long Term Disability

Long term disability carriers don’t make it easy for policyholders to get the disability benefits they deserve. Unfortunately, you can make crucial mistakes from the very beginning of your claim including how and when you submit a notice of claim.Before you “give notice” to the disability insurance company, you should do the following:(1) first, determine whether you have a claim,(2) whether your medical records support your claim, and(3) pick the right day to stop working.Only when you have done those things should you, or better yet, your attorney send the disability carrier(4) your notice that you will be filing a disability...

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