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Non-cancelable contracts.

You can buy a non-cancelable and guaranteed renewable policy, a guaranteed renewable policy and a conditionally renewable policy. Obviously, a non-cancelable contract is the best because you lock in your rates and benefits. The insurance company can't change them. Completely avoid conditionally renewable policies because the long-term disability insurance company can put any condition on it, raise the rates, and change the policy terms. Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188. ...

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Total disability and Your Long Term Disability Claim

One of the most crucial definitions in a long-term disability policy is that of total disability. If you have purchased or own a occupation policy and are disabled and can't perform the principal duties of the job you have, you will be paid long-term disability benefits even if you can do other tasks. For example, if you are a cosmetic dentist and can't perform the principal duties of that job, you are entitled to long-term disability benefits. Another important provision is residual disability benefits. Even if you become disabled, you may want to keep working. So long as you are not working...

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Long-term disability and coronary artery disease.

Mrs. C, who suffered from hypertension, hyper-lipidemia, COPT, cerebrovascular disease, coronary artery disease, and emphysema, underwent an angiogram that showed a high-grade stenosis for which she had stenting on three occasions and a subsequent venous graft. Her treating physician opined that she was permanently restricted from her job as a vocational rehabilitation counselor and, as a result, she was initially granted long-term disability benefits based on her inability to perform her job. She was entitled to continue disability benefits if she was unable to perform her own occupation, which was defined as "usual and customary employment, business trade or profession or vocation...

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Denied Long Term Disability Benefits Because of the Lack of Medical Treatment | Tampa Bay Disability Insurance Lawyer

I am often asked if a long term disability carrier can deny a claim for long term disability benefits because my client can't afford to get medical treatment? It is not uncommon for a long term disability recipient to lose their health coverage and be unable to obtain medical treatment. On the other hand, there are long term disability applicants whose medical condition is stable and while they remain disabled, there is really no treatment that would result in any significant improvement. While, in some circumstances, failure to seek treatment or failure to follow a prescribed treatment can be used...

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Long Term Disability Insurance Benefits Denied Because of Transferable Skills | St. Petersburg Disability Insurance Lawyer

My long term disability carrier says I have "transferrable skills" and is denying my claim for benefits. What are transferrable work skills? Transferrable work skills are skills that are transferrable to a similar or related job. The long term disability carrier will have a vocational rehabilitation counselor review your file to determine whether you have skills that are transferrable to other jobs. It is common to see this done when the standard of proof for your long term disability benefits changes from the inability to engage in your own occupation to an inability to engage in any other occupation by...

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Federal Court Fines UNUM for Requiring LTD Receipents to File False Social Secuirty Disability Claims | Tampa Long Term Disability Attorney

Unum was found quilty of requring LTD applicants to file for Social Security Disability even if the applicant was not entitled or eligible for Social Secuity Disability. The court found that UNUM conduct was a violation of the false claim's Act and fined UNUM $11,000 for each violation. If you have been required by UNUM to file a claim for Social Security Disability, contact Cavey and Barrett. The full text of the decision is found below "2009 U.S. Dist. LEXIS 24340, * UNITED STATES OF AMERICA, ex rel. PATRICK J. LOUGHREN, Plaintiff, v. UNUMPROVIDENT CORP., et al., Defendants. Here, although each...

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Has Your Claim for Long Term Disability Benefits Been Denied Because You “Did Not Put Forth Your Best Efforts In Psychological Testing?” | Florida Long Term Disability Lawyer

Long-term disability carriers routinely hire companies such as the Reed Group, to review long-term disability claims. Unfortunately, the Reed Group will use, as a basis for denying claims, an allegation that a psychiatrically disabled person hasn’t put forth their best efforts in neuropsychological testing based on tests of memory validity. The Reed Group will conclude that you haven’t been “cooperating” under the terms of the plan. As a result, your cliaim for long term disability benefits will be denied. If your claim for long-term disability benefits has been denied or the long term disability carrier wants to send you to...

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The 2009 Economy and the Payment of Long Term Disability Benefits. | St. Petersburg Long Term Disability Lawyer

At Cavey & Barrett we are seeing a "slow pace strategy" by long-term disability carriers. We have found that carriers aren't "receiving paperwork," asking for the same information over and over, suggesting that they need information, indicating that there is a delay in getting information from physicians. These are all delay tactics that the long term disability carriers are using to delay payment to you. With stock prices down and a lack of investment income earnings, disability insurance companies are taking longer to determine disability claims and to pay long-term disability benefits. If you are experiencing any of these problems with your...

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What Is ERISA and Why Should I Care if I am a Long Term Disability Applicant? | Florida Long Term Disability Lawyer

If you have a long term disability policy through your employer you may not have the peace of mind you thought you bought. Nancy Cavey, a Florida long term disability lawyer, has written an article about the difference between a long term disability policy you have bought from a disability agent and an ERISA policy who have gotten through your employer. The difference is like night and day and can make a big difference to the financial stability of your family. You may not have the protection for disability you thought you had when you bought your long term disability policy. Answering...

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What Every Medical Professional Needs to Know about Disability Insurance Policies | Medical Professionals Disability Insurance Lawyer

Every medical professional should have a long term disability policy to protect themselves and their family if they became disabled. Do you know the 3 different types of long term policies or the advantages/ disadvantages of each. Nancy Cavey, a long term disability attorney who specializes in helping medical professionals with their disability claims, has written an article, "What Every Medical Professional Needs to Know about Disability Insurance" Make sure that you have protected your income and standard of living! Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney...

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