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 […]

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

Knock! Kniock! Freddy is at your dooor! If the a long-term disability or ERISA carrier calls and asked to take your statement or arrange a field visit you are in trouble! Call Nancy Cavey, an experienced long-term disability/ERISA disability Attorney,  before you make mistakes in your statement or field visit by the long term disability/ERISA

If your disability claim will be made under your employer’s group disability insurance policy, it is likely governed by ERISA, which stands for the Employment Retirement Income Security Act. This is a Federal Law enacted in 1973. Under ERISA, you have the right to file a suit in federal court if your claim for disability

The long-term disability/ERISA carrier has called you and asked you to give a statement or to come to your house. What are you going to do? First you really do need to retain an experienced Florida long-term disability/ERISA attorney like Nancy Cavey. We do not allow the long-term disability/ERISA carrier to contact you directly once

Just because your doctor says your disabled doesn’t make it so. And just because your doctor says your disabled, doesn’t mean that the disability carrier is going to agree and accept your disability claim application. The long term disability insurance carrier is looking for objective evidence from your doctor about your diagnosis and objective evidence

Maybe! If your employer is self insured for short term disability, the money to pay you is coming from your employer’s pockets. If you have a good claim and were a good employee, you might be paid your short term disability benefits. I have had cases where the employer has overridden a short-term disability administrator’s

The insurance company has the “discretion” to determine your benefits. You only get paid benefits if you can’t perform “each and every” important duty of your job. The duties of your job are determined by the insurance companies’ use of the “Dictionary of Occupational Titles,” and not based on how you have performed your job

MYTHS/ LIES: You are on a level playing field with the insurance company. If your employer says you are too injured to work, the insurance company will automatically pay. Filling out the disability insurance company’s forms will automatically result in your being paid disability benefits. If you have been awarded Social Security disability benefits, you