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What written material does the Long term Disability/ERISA carrier look at when they decide if they are going to pay my long term disability benefts?

What written material does the Long term Disability/ERISA carrier look at when they decide if they are going to pay my long term disability benefts? The long term disability/ERISA carrier will look at your medical records, your job descrition and other material they get from your employmer, statements that you make on your Activities of Daily Living forms and even surveillance they have taken of you. You can make sure that your file is complete by contacting long term disability/ERISA attorney Nancy Cavey. Nancy, who is based in St. Petersburg, Florida, represents long term disability applicants...

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Arthritis and Your Social Security Disability Benefits | SSD Lawyer in Florida

What: Arthritis and Your Social Security Disability Benefits Claim Arthritis and other chronic joint diseases are incredibly painful. The American Pain Foundation has a unique, educational campaign called “Making Sense of Pain Relief” that will help provide you with information about arthritis or chronic joint symptoms. At Cavey and Barrett, it is not uncommon for us to represent Americans who suffer from arthritis and chronic joint symptoms in their Social Security Disability claim. You may be entitled to Social Security Disability benefits if you suffer from arthritis or chronic joint symptoms. You can join countless other in learning...

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Does Florida state law affect my personal private (non-ERISA) disability claim?

Does Florida state law affect my personal private (non-ERISA) disability claim? Every state, including Florida, has laws that goven personal private (non-ERISA) disability policies. In Florida, you can seek punitive damages if your disability insurance carrier handle your claim in bad faith. Florida law requires that you placed the disability carrier on notice of their bad faith and give them an opportunity to "correct" their bad claims handling before you can sue them for punitive damages. Attorney Nancy Cavey specializes in long-term disability claims and can guide you through the complex claims process. She has personal...

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Is there a “treating doctor” rule in long term disabilty/ERISA cases that says my long term disability insurance company has to accept the opinons of my doctor?

Is there a "treating doctor" rule in long term disabilty/ERISA cases that says my long term disability insurance company has to accept the opinons of my doctor? The United States Supreme Court has said "No!" Unlike Social Security, there is no treating doctor rule in long term disability/ERISA cases. In Black and Decker v. Nord, the court said the long term disability/ERISA carrier does not have to give greater weight to the opinions of your doctor than the insurance company doctors. That does not mean your doctor's opinion does not count. At Cavey and Barrett,...

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Almost Three in Ten of Today’s 20 Year Olds Will Become Disabled Before 67

Did you know that almost three in ten of today's 20 year olds will become disabled before reaching age 67? One in Seven of today’s 20 year olds will die prior to age 67; which is the full retirement age for people born in 1960 or later. Many of those who become disabled will become eligible for Social Security Disability benefits. If you or a family member has questions about your rights to Social Security Disability benefits, contact Social Security Disability claims attorney Sharon Barrett, based in Pinellas County....

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Is there a difference between short term and long term disability benefits?

Is there a difference between short term and long term disability benefits? Absolutely. It is lke the difference between night and day! Short term disability is just like it sounds.  Short term disability benefits provide income replacement for a  short period of  time. This policy generally provides partial income replacement for about 6 months. What happens after that? If you have purchased long term disability, your may be eligible for long term disability benefits once you have been paid all the short term disability benefits that you are owed. The change from short term disability to long ...

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Are You Old Enough for Social Security Disability? Florida Social Security Disability Lawyer

Being unable to work and being found disabled are two different things. The Social Security Administration uses a grid system as apart of the Five Step Sequential Evaluation which is heavily weighted based on age. If you are under the age of 45 or 50 and you can’t do your past jobs or work full time at any regular job, you should be entitled to Social Security Disability benefits. It is easier to be found disabled as you get older. If you are over age 50 and have a severe impairment that keeps you...

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I paid my premium for long term disability benefits all these years. Now that I need those benefits, will the long term disability carrier pay my long term disability/ERSIA benefits?

I paid my premium for long term disability benefits all these years. Now that I need those benefits, will the long term disability carrier pay my long term disability/ERSIA benefits? Maybe! There are good and bad long term disability carriers. Any long term disability insurance or ERISA carrier will require you to show evidence that you have a medical condition covered by the policy and overwhelming evidence you are disabled and evidence that shows there is a connections between what is wrong with you and your inability to work. Just because your doctor says you can't...

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Sopranos Actor Involved in Insurance Scam | Social Security Disability Lawyer Tampa

What: Social Security Disability Scam Who: Former Soprano Actor Raymond Franza In a recent news article about a Social Security scam, Former Sopranos actor Raymond Franza is accused of claiming nearly $13,000 in Social Security disability benefits and never telling the government he was also getting $4,000 a month in private insurance payments from State Farm Insurance. Franza was involved in a car accident that caused the disability claim. The car crash happened in the spring of last year, authorities said. Franza was injured enough to apply for disability coverage through the Social Security Administration and,...

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Will the long term disabiility/ERISA insurance company contact my co-workers, family members, or neighbors?

Will the long term disabiility/ERISA insurance company contact my co-workers, family members, or neighbors? Without a doubt! The disability insurance carrier will start by talking with your employer to get your job description and information about your job performance. They want to see if you stopped working because of problems with your job or ou supervisor. Next on the list is family members and your neighbors. This can be very problematic. Your family members might say something that unintnetionally hurts your insurance disability claim and your neighbors just might say something intentionally to hurt your...

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