Unfortunately it is not uncommon for long term disability carriers to try to intimidate your doctor by sending a letter to your treating doctor without a copy to you, telling your doctor that if they don’t agree with the long term disability carriers assessment or comment they will simply adopt the peer review doctors opinion. […]

It’s not the most exciting thing you can do in your life, in fact it’s pretty tedious but long term disability attorney Nancy Cavey suggests that you review your long term disability policy. The hours that you spend reviewing your policy can make the difference between being robbed of your peace of mind when you

In a July 9th, 2010 by David Streitefeld, it was revealed that “the housing bust that began among the working class in remote subdivisions, has quickly spread to the urban, middle class, the striking upper class to privileged enclaves…” The New York Times reviewed cases from the real estate analytical firm Core Logic that shows

Because of the lingering recession many employers are dropping short term disability coverage or asking that you pay a part of you disability insurance premium. A vast majority of disabilities last less than one year and that’s why it’s important that you have short term disability insurance to provide disability income protection. While many people

One of the many symptoms of MS is a generalized feeling of fatigue. It’s one of the most frequently cited MS symptoms. If you Google “fatigue” and “MS” you will get over 1.5 million hits and there are over 1,200 scientific papers on this topic alone. When we represent an MS disability applicant, we make

Did you know that Lyme Disease is one of the fastest growing infectious diseases in the United States? Lyme Disease results when an infected tick bites you and the borrelia burgdorferi bacteria are transmitted into your blood stream. This bacteria finds its way through the joints and the connective tissue to the heart, spine, brain

The Long Term Disability insurance company has an army of doctors to write disability reports saying that you are capable of working at least a sedentary position and these opinions carry more weight in court than even the opinion of a treating physician. Long Term Disability peer review doctors aren’t required to see you. They

If you’ve purchased your Long Term Disability policy through your employer you will most likely find: 1. Any Social Security Disability benefits received will be subtracted from your Long Term Disability benefits and, 2. You have you “repay” the Long Term Disability carrier any lump sum that you’ve received for past-due Social Security Disability benefits.

Let me give you an example, pull out your disability policy and take a close look at it. Does it define “occupation”? Does the “occupation” refer to only the job you held at the time your disabled? Does it mean the “inability to engage in your occupation” at the time of your disabling condition? Or