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Is Your Financial Future as an Orthopedic Surgeon Vulnerable because You Don’t Understand the Terms of Your Northwest Mutual Long Term Disability Policy?

Here’s a rhetorical question. When is orthopedic surgery not automatically considered an occupation on your long term disability policy?That’s an important question to know the answer to because you might be jeopardizing you rights to long term disability benefits if you become disabled.Some long term disability carriers, like Northwestern Mutual may deny long term disability claims on the fact that “surgery is not a substantial or material duty of your occupation as an orthopedic surgeon” by looking at the number of surgeries or percentage of income you generate from surgeries. Companies like Northwest will say that your occupation is not...

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If You Don’t Understand the Games Employers are Playing in Managing Short Term Disability Claims, You’ll Hate Yourself Later

Short term disability attorney Nancy Cavey is seeing employers for short term disability cases is to limit the eligibility periods to as short as thirteen weeks, or more commonly, terminating short term benefits before full recovery.In the last six months Nancy Cavey has seen the termination of benefits before full recovery either causing a premature forced return to work or a delay in obtaining long term disability benefits. In some instances this may be a strategy designed to make absent employees to seek employment elsewhere or join unemployment.If your short term disability claim is being delay or denied contact short...

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Bi-polar Social Security Disability Benefits

Cavey & Barrett’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 Johnson & Johnson...

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Overpayment of Long Term Disability Benefits and that Call from the Carrier Asking for the Money Back

Did you know that long term disability policies do have clauses in the policy that provide that if you have been “over paid” benefits, you owe the money back. However, some courts hold that as a matter of law, the carrier can’t be entitled to reimbursement because of these “equitable relief”. Unfortunately, there is no uniformity in the law in the United States on this issue. If you are a long term disability policy holder whose being dumped by the long term disability carrier for an alleged over payment, you need the services of a long term disability overpayment attorney...

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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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