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ERISA Disability Policy: Be Prepared for Limited Benefits for Neuromuscular Disorders

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The Law Office of Nancy L. Cavey

ERISA Disability Policy: Be Prepared for Limited Benefits for Neuromuscular Disorders

You purchased a disability insurance policy to provide you with peace of mind, but there might be a terrible flaw in your policy that will rob you of that peace of  mind and your financial security. The Two Types of Limited Disability Benefit Provisions in an ERISA Disability Policy or Plan There are two limited […]

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If You Don’t File A Social Security Disability Claim Because Of A Back Fusion, You’ll Hate Yourself Later

Back pain as a result of a herniated disc can be disabling. While some will recover without surgical intervention, it’s not uncommon for those who have significant back problems to undergo back surgery for a herniated disc or even for a fusion. The herniated disc can cause nerve root compression or there might be instability

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

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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If My Cardiovascular Condition Doesn’t Meet the Listing, Can I Try to Prove That My Condition Equals a Listing?

Yes! The Social Security Administration (SSA) evaluates whether or not your medical condition equals a listing under 20 C.F.R. §§ 404.1526 and416.926. This requires the SSA to consult with a SSA medical expert before reaching a conclusion regarding equivalence. It is also helpful if your cardiologist comments on the equivalence by using the New York

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Cancer Is The Leading Cause Of Long Term Disability Claims

Unum Disability Insurance Company, one of the carriers in the United States, has reported that cancer is the leading cause of its disability claims. In fact, cancer counts for over 16% of long term disability claims. Unfortunately, Unum like many disability insurance companies often ignore the side effects of cancer treatment when denying benefits. What

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blood pressure testing

Blood Pressure Control Can Help Prevent A Heart Attack Or Stroke

Did you know that uncontrolled high blood pressure is the leading cause of heart disease and stroke according to the Centers for Disease Control and Prevention (CDC).  Statistics show that more than 67 million Americans have high blood pressure.  High blood pressure shows new signs or symptoms which make it difficult for you to take

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Mature man cannot get to sleep

Meeting A Social Security Disability Listing For An Mental Disorder or Anxiety

The Social Security Administration (SSA) doesn’t make it easy for those with mental disorders to get the Social Security Disability benefits they deserve. The SSA uses a Five Step sequential evaluation and, at Step 3, SSA will determine whether or not our mental disorder meets a Listing. How Does The Social Security Administration Determine If

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