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Assembling a Paper Trail and Your Long Term Disability Carrier

Unfortunately, long term disability carriers have a habit “losing” important information that you might send to them, including activity of daily living forms. Nancy Cavey has written an informative book The Smart Long Term Disability Consumer Guide for Preparing for Your Statement and Field Visit that you should have before completing any long term disability activity of daily of living forms.If you are submitting those forms or any other evidence, make sure that you’ve assembled a paper trail that can be followed. That means that you keep a copy of everything that you send and send it certified mail. If...

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Long Term Disability Carrier Tries to Intimidate Treating Physician

Unfortunately it is not uncommon for long term disability carriers to try to intimidate your doctor by sending a letter to your treating doctor without a copy to you, telling your doctor that if they don’t agree with the long term disability carriers assessment or comment they will simply adopt the peer review doctors opinion. What they say “if we don’t hear from you, we will presume that you are in agreement with the findings of the review.”If you’ve never sent a copy of this inquiry, you will never know what’s going on. And if you doctor doesn’t reply, you...

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Long Term Disability Insurance Check Up

It’s not the most exciting thing you can do in your life, in fact it’s pretty tedious but long term disability attorney Nancy Cavey suggests that you review your long term disability policy. The hours that you spend reviewing your policy can make the difference between being robbed of your peace of mind when you become disabled or actually protecting your family’s income.Nancy Cavey has written Robbed of Your Peace of Mind, an informational guide, that explains the terms that you don’t want to see in a long term disability policy. Review that report and make sure that you have...

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The Biggest Mortgage Defaulters are the Rich

In a July 9th, 2010 by David Streitefeld, it was revealed that “the housing bust that began among the working class in remote subdivisions, has quickly spread to the urban, middle class, the striking upper class to privileged enclaves…”The New York Times reviewed cases from the real estate analytical firm Core Logic that shows that more than one in seven home owners have loans in excess of million dollars that are seriously delinquent.Even if you aren’t among the rich and famous, you may have stopped paying your mortgage and be in danger of default. Bankruptcy may be an option for...

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Airplane Pilot Loses License Because of Restrictions and is Still Denied Long Term Disability

Long term disability policies are supposed to replace your income if you are unable to work. Many of these long term disability policies have a clause that says that the loss of license doesn’t mean that you are entitled to benefits. But what about the case of a pilot? If you lose your license because of medication side effects then the loss of your license is irrelevant. Airline pilot long term disability claim denied attorney Nancy Cavey argues that the loss of a license is a consequence of your illness and is further proof that you can’t work. Some long...

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If You Don’t Understand Why Employers Drop Short Term Disability You May Hate Yourself

Because of the lingering recession many employers are dropping short term disability coverage or asking that you pay a part of you disability insurance premium.A vast majority of disabilities last less than one year and that’s why it’s important that you have short term disability insurance to provide disability income protection. While many people believe that they can rely on Social Security if they become disabled, Social Security only covers illnesses if they are expected to last more than one year. Even worse, only 36% of applicants are approved on their first request for benefits.You can’t rely on Social Security...

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BiPolar Disorder Leads to Long Term Disability Benefits | St. Petersburg LTD Attorney

The Law Office of Nancy L. Cavey's claimant was employed at Johnson & Johnson Vision Care as a sales representative and became disabled as a result of bipolar disorder for which he was awarded Social Security Disability benefits.The claim for LTD benefits was initially denied since his bipolar condition did not prevent him from doing any job for which he was qualified by training, education or experience. They failed to include the treatment program.Nancy Cavey developed medical evidence to establish that our claimant, in fact, complied with the recommendations of his treating psychiatrist and submitted his Social Security decision to...

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Fatigue and Your Disability Claim

One of the many symptoms of MS is a generalized feeling of fatigue. It’s one of the most frequently cited MS symptoms. If you Google “fatigue” and “MS” you will get over 1.5 million hits and there are over 1,200 scientific papers on this topic alone.When we represent an MS disability applicant, we make sure that all the symptoms of MS are fully explained in your medical records and will often video tape or audio tape a statement from our clients explaining the symptoms and how they impact their functionality. If you are fatigued and feel like a wet dishrag,...

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Fibromyalgia and Your Long Term Disability Claim

Over 6 million Americans suffer from Fibromyalgia in the United States. Unfortunately, Long Term Disability carriers treat Fibromyalgia as a made up condition and routinely deny claims for Long Term Disability benefits for Fibromyalgia.Nancy Cavey, Florida Fibromyalgia Long Term Disability claims denied attorney, suggests that it is important that you keep a Fibromyalgia diary. It should have three parts: 1. Symptoms 2. Impact on your life 3. Typical daily activitiesPeople who have Fibromyalgia have tenderness throughout their body, a flu like aching, fatigue, sleep issues, and have side effects from the medication.Nancy Cavey, Fibromyalgia...

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Long Term Disability Benefits and Lyme Disease

Did you know that Lyme Disease is one of the fastest growing infectious diseases in the United States? Lyme Disease results when an infected tick bites you and the borrelia burgdorferi bacteria are transmitted into your blood stream. This bacteria finds its way through the joints and the connective tissue to the heart, spine, brain and other areas.This bacteria can trigger a strong, inflammatory immune response that leads to swelling and pain in the joints, irregular heart beat or an irritation of the membranes that surround the central nervous system leading to stiff neck, headache, paralysis of the face, muscles,...

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