Long Term Disability Attorney Nancy Cavey who has written the go to guide on surveillance and completing activity of daily living forms, knows that there is a dirty secret about long term disability insurance carrier interviews. If, for example, you’ve undergone survey, you will most likely see these kinds of questions: How is your recovery […]

If your short or long term disability claim is ERISA claim covered by federal law, the ERISA regulations provide, that “in the case of a plaintiff disability benefits, the plan administrators shall notify the claimant… of the claimant’s adverse benefit determination within a reasonable period of time, but no later 45 days after the receipt

In Hartford’s 2010 Benefit Landscape Study, Long Gendreau, Executive Vice President of the Hartford Group Benefits, explained that the number of employees in the United States with “short term disability insurance rose from 41% in 2009 to 55% in 2010” the percentage of American workers with “long term disability insurance increased from 36% in 2009

Long term disability carriers, like ETNA Life Insurance Company are in the business of collecting premium and notInsurance Carriers Like Etna Claim Handling paying benefits. In the case of Capone vs. ETNA Life Insurance Company, 22 Florida Law Weekly Fed C368 cited as 592f3d1189 (11th Circuit 2010), Mr. Capone sustained an injury to his spine

Here’s a rhetorical question. When is orthopedic surgery not automatically considered an occupation on your long term disability policy? That’s an important question to know the answer to because you might be jeopardizing you rights to long term disability benefits if you become disabled. Some long term disability carriers, like Northwestern Mutual may deny long

Short term disability attorney Nancy Cavey is seeing employers for short term disability cases is to limit the eligibility periods to as short as thirteen weeks, or more commonly, terminating short term benefits before full recovery. In the last six months Nancy Cavey has seen the termination of benefits before full recovery either causing a

Cavey & Barrett’s claimant was employed at Johnson & Johnson Vision Care as a sales representative and became disabled as a result of bipolar disorder for which he was awarded Social Security Disability benefits. The claim for LTD benefits was initially denied since his bipolar condition did not prevent him from doing any job for

Unfortunately, long term disability carriers have a habit “losing” important information that you might send to them, including activity of daily living forms. Nancy Cavey has written an informative book The Smart Long Term Disability Consumer Guide for Preparing for Your Statement and Field Visit that you should have before completing any long term disability