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The 2009 Economy and UNUM’s Payment of Long Term Disability Benefits | Florida Insurance Disability Lawyer

At Cavey & Barrett we are seeing a “slow pace strategy” and out right denial of valid claims by long-term disability carriers such as UNUM. This delay or denial is for the benefit of long term disability carrier. This aggressive claims handling has resulted in increased profits for UNUM. According to a UNUM Group Q1 2009 Earnings Call transript on May 4, 2009 "group disability earnings were 44% higher driven by strong risk results"...

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How to Avoid the 23 Mistakes You Can Make When The Long Term Disability Carrier Wants to Take Your Statement | Florida Long Term Disability Attorney

Has the long-term disability carrier just announced they want to take your statement? Nancy Cavey, a Florida-based long-term disability ERSIA attorney, has written extensively on how you should prepare for the statement and how to avoid a 23 mistakes you can make when a long-term disability carrier tries to take your statement.If you have any questions about how to prepare for this crucial event in your long term disability/ERISA claim, contact Tampa Bay attorney Nancy Cavey buy clicking the link or by calling 727-894-3188.http://longtermdisabilityanderisablog.com/preparing-for-your-statement-and-field-visit...

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Financial Pre-Planning Doesn’t End When You Buy Your Long Term Disability Policy | ERISA Disability Insurance Lawyer

Your financial preplanning did not begin and end with the purchase a long-term disability policy. That was only the beginning!You still have to make significant plans for your financial future. What do I mean?If you suffer from a gradual onset disease like degenerative joint disease, Parkinson's disease, Lou Gehrig's disease, multiple sclerosis, or Alzheimer's, the disease process will give you the time you need to make significant work and financial decisions.There are a number of steps that you must take, sooner and not later, in financial preplanning.1. Learn about your disease and how it progresses over time.It is important...

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Will The Long Term Disability Carrier Spy on Me? | St. Petersburg Disability Insurance Lawyer

Yes! I tell every long term disability/ERISA claim applicant that the long term disability carrier will place surveillance on you. They will ask you to complete Activities of Daily Living forms and then try to catch you doing something you said you could not do. They will then confront you with the film and try to get you to sign a statement saying you are not telling the truth.I have written extensively on How To Prepare for Your Statement And Field Visit. Grab your free copy of my book about it today by visiting that link! Need Help With Your Long Term...

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Signing Long Term Disability/ERISA Medical Release Can Destroy Your Claim | Tampa Bay Long Term Disability Lawyer

The long term disability/ERISA carrier may ask you to sign medical releases. Be careful because you do so at your own risk. The carrier will use that release to talk with your doctor about your medical condition and deny your claim for long term disability benefits.The long term disability/ERISA carrier will also try to get your doctors to agree with their doctor's assessment about your ability to work or have them look at surveillance film. That will destroy your claim!Don't give them access to your doctors by signing a medical release!Read an article Virginia attorney Ben Glass wrote about signing...

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Even the British Know That ERISA is Broken! | St. Petersburg Disability Insurance Lawyer

If I want to hear real news, I listen to the BBC! The Guardian, a British newspaper, just published an article about America's ERISA statute urging Obama to support legislation that prohibits the use of discretionary clauses in ERISA policies. ERISA governs not only group health but disability plans.ERISA group and long term disability carriers hide behind discretionary clauses in denying health claims. It is the same discretionary language long term disability/ERISA carriers use to deny ERISA disability claims.Cavey and Barrett support legislation that prohibits allowing the carrier to hide behind...

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Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend Like Allsup? | Clearwater ERISA Disability Attorney

Many long-term disability insurance policies require you to apply for Social Security disability benefits, and will offer the services of companies like Allsup, Occudanta, Advantage 2000, Disability Services, Inc. to help you with your Social Disability Claim. Should you use these companies?As an experienced long-term disability/ERISA and Social Security disability Attorney. My answer is unequivocally "No"!In fact, UNUM was convicted on making LTD applicants apply for Social Security disability even if the applicant was not entitled to or qualified or eligible for Social Security disability.Of course, some may think my answer is based on...

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Long Term Disability Carriers Clog Up The Social Secuirty System | Florida Disability Insurance Lawyer

2.5 Million American apply for Social Security disability benefits every year and it takes, on average a whopping 288 days, to get a decision on because of the backlog. The reality is that in the Tampa/St. Petersburg area the delay is almost 2 years.What contributes to that delay? In an awesome article, the New York Times author, Mary Williams Walsch, exposed for the public what ERISA/LTD and Social Secuirty lawyers and their clients deal with every day. The Social Security Disability system is being clogged by long term diablility carriers, such as...

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What is ERISA and Why Should You Care? | Florida Disability Insurance Attorney

Your employer may have offered you a long term disability policy as part of your benefit package. Did you accept and begin paying premiums? If so, and if you are not employed by a church or a municipality, your claim is probably covered under the Empoyee Retirement Income Security Act (ERISA).The ERISA Act was passed by Congress in 1974 to address teamster union corruption. Remember Jimmy Hoffa who used teamster dues to fund his criminal enterprise?Congress wanted to pass a simple (not), comprehensive (not) and uniform (never) application of law for health,...

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