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Long Term Disability

CaveyLaw.com > Long Term Disability

How A Long Term Disability Application Can Overwhelm A Disabled Policy Holder

Long Term Disability Application Policy Holder Attorney

It's difficult to make the decision to stop working and apply for disability benefits. The application process can be daunting. Before you stop working, you should do the following:- review your long term disability policy to understand what you have to prove, the deadlines for submitting your claim, the deadlines for supplying medical records and the deadlines for appealing a denial,- what medical conditions are excluded under the preexisting condition,- or whether your benefits will be limited under the subjective or mental nervous provisions of the policy.It's also crucial from a financial standpoint that you know how long your waiting...

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A Misstep In Talking To Your Doctor Can Destroy Your Long Term Disability Insurance Claim

treating physicians long term disability claims

Many disability insurance policies have mental nervous limitations that limit the payment of disability benefits to just 2 years if you have a psychological or psychiatric condition that causes or even contributes to your disability.Get out your disability policy and read it closely, what does it say?You should be careful about discussing your emotional state with your treating physicians. Why Should You Be Careful In Talking With Your Doctor About Your Long Term Disability Claim? Disability carriers are looking for reasons to limit the payments of disability benefits. They're also looking for ways to ignore physical causes of disability. An easy way...

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What Every Long Term Disability Policy Holder Needs To Know About Experimental Treatment For Arrhythmia

Arrhythmia Long Term Disability Treatment

Those with arrhythmia have an electrical system which no longer maintains a regular heartbeat. A sudden frequent burst of a rapid heartbeat can result in sudden death. In fact, an estimated 320,000 Americans die of arrhythmia each year. Exciting New Arrhythmia Treatment News! Researchers at the Washington University in St. Louis have published a study in the New England Journal of Medicine about an experimental treatment that shows promise. Short bursts of radiation aimed at the heart help obliterate the cells of the heart that cause an electrical malfunction. The treatment requires weeks to take full effect but it appears to be...

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What Every Long Term Disability Applicant Needs To Know About Attending Physician Statement Forms

Attending Physician Statement Forms Long Term Disability

If you plan on applying for long term disability benefits, you should know that your physician will be asked to complete Attending Physician Statement forms (APS). These forms are specifically designed so that the right questions aren't asked about your particular medical condition. Why Are Attending Physician Statement Forms Important? The disability carrier doesn't want to pay your disability benefits. Worse yet, the APS forms are designed to lead your physician to render an opinion that you're capable of engaging in sedentary work.If you're in the "any occupation" stage of your disability claim, your ability to engage in sedentary employment will result...

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Getting The Long term Disability Benefits You Deserve For Chronic Back Pain

Chronic Back Pain Disability Insurance Benefits Long Term

Americans spend over 50 billion dollars every year treating aching, sharp, burning, numbness and tingling back pain. If you have had those symptoms for more than six months, you have chronic back pain, however, disability carriers just don't understand how debilitating chronic pain can be. What should I do before I stop working and apply for benefits as a result of chronic back pain? While your doctor may have told you to stop working, you shouldn’t do so, until you do the following:Obtain a copy of your disability insurance policy. What is the standard for disability? Are there any limitations? Many...

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What Every Type One Diabetic Needs To Know About Their Disability Insurance Policy

Diabetes is a disabling condition that has terrible complications, including heart disease, stroke blindness, chronic kidney disease, amputation, and even death. This disease and or condition is something we see when dealing with long term disability insurance carriers in disability claims. What about type one diabetes? There are many complications with type one diabetes that disability insurance carriers simply don’t understand. These complications include the following:- 57% have eye problems - 13% have kidney disease - 60% have nerve damage - 50% have cardiovascular disease.I have found that Long term disability carriers simply don’t understand the complications of a type one diabetes claim. It is...

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What Every Long Term Disability Policy Holder Ulcerative Colitis Needs To Know About Getting Their Disability Benefits

Ulcerative Colitis Long Term Disability Insurance Claims Attorney

Ulcerative colitis long term disability insurance claims: is an inflammation and ulceration of the large intestine which causes thickening and scarring of the colon. Your colon cannot properly deal with the excess fluid from your feces and as a result, you may have abscesses around the anus, colon rupture or even develop cancer.If your doctor has told you to stop working and apply for long term disability benefits as a result of ulcerative colitis you should make sure that there is objective evidence of the diagnosis in your medical records this includes:Documentation of recurrent body stools and repeated examinations Persistent...

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What Every Long Term Disability Policy Holder With Bone Cancer Needs To Know Immediately

bone cancer long term disability insurance policy claims

Over 2,000 people in the United States are diagnosed with bone cancer every year, which begins in your bones. Unfortunately, it can spread easily and result in disability. When it comes to diseases like this, we are here to help. What do I need to know if I suffer from Bone Cancer? It is important that your physician diagnose the objective basis of the diagnosis of bone cancer.You should also make sure that your medical records explain your pain, location of your pain, intensity and frequency of your pain, unintended weight loss, fever, chills, night sweats, fatigue, and even fractures.These symptoms will...

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Determining Whether You Should File For Your Long Term Disability Benefits Due To Your Diabetes Or It’s Complications

Long Term Disability Benefits Diabetes Complications File

Over 1 in 10 Americans are diagnosed with diabetes every year. Diabetes is one of the leading causes of disability and death in the United States. Diabetes can cause nerve damage which, in turn, causes tingling and numbness in feet and hands. It can even cause problems with your vision. Worse yet, diabetes can lead to kidney disease or cardiac disease. The complications of diabetes can be devastating! What You Should Do If Your Doctor Told You To Stop Working From Diabetes If your physician has told you that it's time to stop working before you make any move, it's time for...

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Long Term Disability Recipients Need To Be Afraid Of Medi-Copy Services

Long Term Disability Medi-Copy Services

Long term disability carriers will request that you sign a medical release so that they can get copies of your medical records. Many will hire Medi-Copy services, a third part medical record processor, based in Nashville.In addition to medical records, they also provide disability form completion services. Guess what they do! Since they're working for the disability carrier, they have access to your file.When a disability form gets sent to your physician, they'll get it, fill it out and send it directly to the insurer.There have been instances in which Medi-Copy completed the form, signed the doctor's name and returned...

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