If you are a Hartford disabiilty insurance policy holder and you are thinking about filing a short or long term disability claim, you should contact Hartford disability benefits denied lawyer, Nancy Cavey, based in St. Petersburg, Florida. She helps Hartford disability policy holders who have been wrongfully denied their disability benefits and has written a

Quite frankly, if the a long-term disability or ERISA carrier calls and askes to take your statement or arrange a field visit you are in trouble! In my experience, disability claims are denied, generally, for three reasons: No objective evidence of your diagnosis; No objective evidence of your disability; No evidence of causal relationship between

How much is your peace of mind worth to you and your family? If you become disabled and are unable to work, dental disability insurance is essential to help you maintain your current practice and your lifestyle. According to a recent survey, nearly half of one million people who filed for bankruptcy in the United

It is important that medical professionals understand their long-term disability policy so they can prevent the disaster of being disabled and being unable to recover the benefits they deserve. Did you know that there are three types of disability policies? Do you know which kind you have? The first is an individual disability policy, which

At The Law Offices of Nancy L. Cavey it’s not uncommon for long-term disability applicants to come to our office with a letter from their employer about continuing their healthcare coverage through COBRA. Federal law requires employers with 20 or more employees to provide COBRA healthcare continuation coverage, and there are specific time limits for choosing

ERISA stands for “Employer Retirement Income Security Act.” It was passed in 1974 for the purpose of protecting employee benefits for group plan participants. Unfortunately, disability insurance policies are subject to the ERISA regulations, which long-term disability carriers refer to as “Everything Ridiculous in the World Since Adam.” ERISA, which is a federal statute, preempts