30 November

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Delays in Critical Care After Heart Attack Are a Matter of Life or Death

If you have purchased a disability plan through a private insurer or have coverage through an employer, you may be entitled to long term disability benefits if you suffered from a heart attack. Researchers at Duke University reported that when heart attack victims are taken to hospitals that aren’t equipped to perform life saving procedures, the victim should be transferred to another hospital within 30 minutes. Yet, a new study found that only one in ten patients is transferred in time. The researchers found that the patients whose transfers were delayed were more likely to die- in fact 6% of those who...

21 November

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Cardiac Implant Infection Increase

Posted by Nancy Cavey

in Long Term Disability

According to the Journal of American Cardiology, the incidence of infections in implantable cardiac devices has tripled since 1993. If you had an infection after a cardiac implant that results in you being disabled, you may be entitled to long term disability benefits if you purchased a disability policy from a private insurer or have coverage through an employer. The Journal of the American College of Cardiology report, indicated that the reasons for the increase in infections after a cardiac implant aren’t clear, but “a recipient’s agent current health may be a factor”August 30, 2011 Journal of the American College of Cardiology. Consulting...

16 November

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Chocolate and Your Heart

Posted by Nancy Cavey

in Long Term Disability

If you suffer from a heart condition that results in disability, you may be entitled to long term disability benefits if you purchased a disability plan from a private insurer or have coverage through your employer. A recent report published in the British Medical Journal (BMJ), showed that “high levels of chocolate consumption are associated with a significant reduction of the risk of certain cardiovascular disorders”. The report revealed that “eating chocolate was linked to low rates of stroke, coronary artery disease, blood pressure and other cardiovascular conditions”. Unfortunately, there was no beneficial effect for the risk of heart failure or...

29 September

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September is Pain Awareness Month

Posted by Nancy Cavey

in Long Term Disability

According to a study by the Institute of Medicine, chronic pain affects more Americans than heart disease, cancer and diabetes combined. Over 116 million Americans suffer from chronic pain. If you have purchased a private group disability policy you might be entitled to long term disability benefits if you suffer from chronic pain. Nancy Cavey, Florida based long term disability attorney, explains that “pain is a major consideration in many long term disability claims”. It’s important that your medical records document that there is an objective reason that you have pain and how your pain impacts your ability to run, walk, see,...

29 August

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The Secret to Getting Your Long Term Disability Benefits as a Result of Hearing Loss

Posted by Nancy Cavey

in Long Term Disability

Hearing loss has many causes, these can include: Heart disease Family history of hearing loss Working in a noisy environment Hearing loss effects more than just your ability to hear, it can limit your inability to interact with family friends and co-workers. If you have a long term disability policy and suffer hearing loss, you should apply for disability benefits. While it’s not uncommon for disability carriers to provide benefits while you are going through a treatment, including cochlear implants, don’t be surprised if the long term disability carrier denies benefits after your cochlear implant on the basis that you will be able to...

24 August

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Is Your Financial Future Vulnerable Because You Bought the Wrong Long Term Disability Policy

Posted by Nancy Cavey

in Long Term Disability

Many physicians, lawyers and accountants think that because they have a group long term disability policy through their employer, they don’t need to have an individual disability policy. That’s a big mistake that can jeopardize your financial future because: Most group long term disability policies cover 60% of base income and, have a monthly benefit cap. So, for example, you receive a great end of the year bonus, that bonus won’t be included in calculating your benefits. Worse yet, can you live off of 60% of your base income where your long term disability benefit is taxable. It is possible that an individual...

09 August

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The Truth About How Long Term Disability Carriers Try to Clean Up Their Books

Posted by Nancy Cavey

in Long Term Disability

Unfortunately, many long term disability carriers try to clean up their books every quarter just before they have to make quarterly reports to their share holders. It’s not uncommon for many long term disability policy holders to get letters stating that their long term disability benefits were denied or terminated. If you’ve been denied long term disability benefits in Virginia or your benefits were terminate, the clock is ticking. You have 180 days to appeal the insurance companies decision to deny or terminate your benefits and many long term disability carriers are waiting for that clock to run out hoping that...

14 June

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How to Find Low Cost Health Care Options if You Are On Short or Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

It is not uncommon for short and long term disability applicants to lose, at some point, their group health insurance coverage when they are terminated by their employer. It is important that you get medical care not only for the treatment of your disabling condition or you are generally required by the terms of the disability policy to prove on going treatment. If you find yourself uninsured and unable to afford health care while you are collecting long term disability benefits, you should consider the following low cost health care options: Enroll in community health centers. There are many community...

09 June

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Six Most Common Reasons for Disability Insurance Policy Denials

Posted by Nancy Cavey

in Long Term Disability

You should protect your income, particularly if you are a small business owner or a professional like a doctor, lawyer or dentist. Before you apply for disability insurance policies, you should know the six most common reasons for your disability insurance carrier to say no to your disability application and refuse to cover you. These include: Your health, age or build High risk or uninsurable job Self- employment where you work out of the home. Working oversees Too much existing disability insurance coverage Not enough income If your disability application has been denied, you should sit down and have a conference...

23 May

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If Your Doctor Has Diagnosed Heart Failure and You Are Taking Medications that Cause Side Effects You May Be Entitled to Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Many Americans who purchased long term disability benefits to protect them in the event that they are unable to perform their occupation. If you haven diagnosed with heart failure, you may be entitled to long term disability benefits. To help manage your heart failure you should: Monitor you weight. Take medication as directed. Limit your salt and sodium intake. Don’t smoke. Stay active. Your doctor may prescribe medications to help you with your conditions. Usually these medications are ace inhibitors, diuretics, glycosides, angiotensin receptor blockers and beta blockers. Unfortunately, these medications can cause significant side effects which impair your ability to work. If your physician has told...