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Do I Really Need a Private Disability Insurance Policy If I Have a Policy Through Work?

Do I Really Need a Private Disability Insurance Policy If I Have a Policy Through Work?ERISA Long Term Disability lawyer Nancy Cavey says yes. Many disability insurance policies provided by your employer only provide you with 60% of your salary with a maximum of $5,000-$10,000 in benefits.However, these benefits are taxable and you will get less than the 60% that you are used to. Can you and your family survive on 60% or less of your current income? Probably not.Private disability insurance attorney Nancy Cavey suggests that you buy a supplemental private disability...

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Arthritis and Your Rights to Social Security Disability Benefits

Arthritis which effects over 40 million Americans according to the Center for Disease Control and Prevention is one of the most common causes for disability in the United States. There are over 100 different types of arthritis which can be related to wear and tear of the cartilage, inflammation, over active immune system and other causes. Regardless of the cause, arthritis pain can be disabling and can prevent you from working.If your doctor has diagnosed you with arthritis and has told you that you should no longer work, you should consider applying for Social Security Disability benefits.Join countless others for...

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Fibromyalgia and Your Claim for Social Security Disability Benefits

Fibromyalgia affects more than 6 million people in the United States. You may be entitled to Social Security Disability benefits if you suffer from Fibromyalgia.Nancy L. Cavey, Pinellas and Hillsborough County Fibromyalgia Social Security Disability Benefits claims denied attorney has represented numerous individuals in their Social Security Disability claims for Fibromyalgia.It is important if you are a Fibromyalgia sufferer to not only get the treatment that you deserve but to tell your story so that your symptoms are well documented in your medical records. This will also help you with your Social Security Disability application.At the American Foundations Spotlight on...

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Why Do Long Term Disability Companies Complain About Paying For Conditions Like Lupus, CFS, Fibromyalgia or Other Self-Reported Conditions?

Getting insurance companies to pay disability benefits for medical conditions like Lupus, CFS, or Fibromyalgia is tough. Long Term Disability insurance companies like UNUM Provident, UNUM Life, ETNA, Standard, Prudential, Hartford, CIGNA, C.N.A. Liberty Mutual, Paul Revere, Reliance, MetLife and others do not like paying for conditions like CFS, Lupus and Fibromyalgia. If you are a Long Term Disability applicant or your CFS, Lupus or Fibromyalgia claim has been denied you need to watch this video:

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I Do Not Have Enough Work Credits to be Covered For Social Security Disability, Am I Out of Luck?

If you don’t have enough work credits to be insured for Social Security Disability benefits, take heart. You may qualify for Supplemental Security Income (SSI), which is a disability program that is based on your income and resource levels.If you have any questions about the current income or asset limits of the SSI disability program, you should contact your local Social Security office. Remember that certain assets are not includable in the calculation, such as your primary vehicle and residence.The Law Firm of Nancy L. Cavey, based in Pinellas County, can assist you with your denied Social Security Disability claim....

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Why Won’t Some Lawyers Help Me File My Initial Application?

table.MsoNormalTable { font-size: 11pt; font-family: "Calibri","sans-serif"; }At Cavey and Barrett, we believe that you should have representation to help you file your initial application for Social Security Disability benefits. Unfortunately many attorneys only accept Social Security Disability claimants after they have received a denial of their Social Security Disability claim.Sharon Barrett, a former Social Security Administration attorney, knows that turning away someone who needs help with the Social Security Disability application process is like telling someone who doesn’t know how to cook to get into the kitchen and contact the fire...

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Do My Doctor Records Make a Big Difference?

Insurance companies have a good ol’ boy network of doctors that cherry pick your doctors medical records in favor of the disability insurance company. This good ol’ boy network reports only what the disability insurance company wants to hear to the disability carrier such as Liberty Mutual, Reliance, MetLife, Hartford or CIGNA deny your Long Term Disability claim.Your doctor’s records do make a big difference in the insurance company review process. Tampa Bay disability attorney Nancy Cavey has an educational video explaining to you why your doctor’s records make a big difference.

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Do I Have To Be Disabled for Six Months Before I Can Apply for Social Security Disability Benefits?

table.MsoNormalTable { font-size: 11pt; font-family: "Calibri","sans-serif"; }No, the definition used by the Social Security Administration is that you have to be disabled for a period of not less than one year. You don’t have wait for six month or even a year before you apply for Social Security Disability benefits. If you have a condition that is disabling and is expected to last for at least a year, you may be eligible for Social Security Disability benefits.Sharon Barrett, a Port Richey, New Port Richey, Dunedin, Social Security Disability denied lawyer, can answer...

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Social Security Disability Benefits and Polysistic Kidney Disease

table.MsoNormalTable { font-size: 11pt; font-family: "Calibri","sans-serif"; }You may eligible for Social Security Disability benefits if you suffer from Polysistic Kidney Disease (PKD). PKD is a genetic disorder passed down through families. Unfortunately in PKD the kidneys are one of the most severely affected organs, but it also can cause cysts to develop in other parts of your body.It is also a common life threatening disease.If you or any of your family members suffer from PKD and are unable to work you may be eligible for Social Security Disability benefits.At the law firm...

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