Latest Articles Archives - Page 8 of 109 - The Law Office of Nancy L. Cavey

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What Every Social Security Applicant Needs To Know About The Signs And Symptoms Of Lupus

If your physician has told you that you are unable to work as a result of Lupus, you should apply for Social Security Disability benefits. Your medical records are the key to winning your Lupus Social Security Disability claim. What Your Medical Records Should Document About Your Lupus Your records should document the following symptoms […]

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How The Date of Termination and The End of Disability Coverage Can Destroy a Long Term Disability Claim

In Boothe v. Deseret Mutual Benefit Administrators, No. 1:16-cv-0008-DN, 2017 W.L. 2787748 (D. Utah June 27, 2017) the Court found that because the disability coverage ended on November 2, 2012, when the employee’s employment was terminated the claim for disability benefits was correctly denied. Termination Means The End Of Coverage Boothe had been injured in

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Reliance’s Structural Conflict of Interest Results In Reversal of District Court Order

Latest Articles, Reliance Insurance Company, Short Term Disability / The Law Office of Nancy L. Cavey

It’s not uncommon for disability insurance companies, like Reliance, to be responsible for both paying benefits and administrator during the claims process. That’s a conflict! Disability carriers routinely have provisions in the policy that provides them with the discretion to interpret the terms of the policy and make a determination of entitlement to benefits. To

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The Four Differences Between Group Disability Policies and Individual Disability Policies You Shouldn’t Ignore

Latest Articles, Long Term Disability / The Law Office of Nancy L. Cavey

You may have purchased a disability insurance policy hoping that you would never need to use that policy. Do you know the differences between a group disability policy and an individual disability policy? You owe it to yourself and your family to know the difference before you become disabled so your family can purchase more

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Worker’s Compensation Insurance Rates Are On The Decline!

Latest Articles, Workers Compensation / The Law Office of Nancy L. Cavey

Did you know that Worker’s Compensation insurance renewal rates across the United States have been in decline for over 17 quarters? According to an article by Jim Thompson published in the Worker’s Compensation Institute, entitled Worldwide: Worker’s Comp Insurance Rates on the Decline, not only has there been a worldwide decline in renewal rates across

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What Are My Chances For Being Approved For Social Security Disability Benefits If I’ve Had Multiple Back Surgeries?

Back Problems, Diseases, Latest Articles, Social Security Disability (SSD) / The Law Office of Nancy L. Cavey

I’ve had a herniated disc and back surgery! I know all too well how difficult it can be to work after you’ve had back surgery. While the Social Security Administration doesn’t make it easy for those who have had back surgery, benefits can be awarded. The Social Security Administration will use a 5 Step Sequential

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What Every Long Term Disability Policy Holder Should Do If Their Claim For Cognitive Disorder Has Been Denied Based On A Neuropsychological Report

Latest Articles, Long Term Disability / The Law Office of Nancy L. Cavey

Unfortunately, long-term disability carriers don’t make it easy for those with cognitive dysfunction to get the disability benefits they deserve or to stay on claim. One of the tactics that disability carriers routinely use is to claim that cognitive problems are just the manifestation of underlying psychiatric conditions. As a result, a policy holder’s benefits

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The Social Security Administration’s Secret About How Long You Have To Work Before You Can Be Eligible For Social Security Disability Benefits

Latest Articles, Social Security Disability (SSD) / The Law Office of Nancy L. Cavey

As a requirement for becoming insured for Social Security Disability purposed you have to have worked a certain number of quarters in a certain period of time to be insured. Why Is My Age Important For Social Security Disability? The number of years you have to have worked to become insured depends on your age.

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