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Long Term Disability

CaveyLaw.com > Long Term Disability (Page 11)

Chocolate and Your Heart

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...

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Facebook Could Destroy Your Long Term Disability Claim

It’s hard enough to get long term disability benefits, but you can destroy your long term disability claim by posting photos or video of you dancing, working in the yard, or partying with your friends.If you are thinking about applying for long term disability benefits, you need to check at the social media websites that you have been posting on and take down photos. Adjust your privacy settings and restrict anyone who isn’t a trusted friend or relative from viewing your profile.Also, ask your friends to take down any pictures or posts. This simply isn’t worth jeopardizing your long term...

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September is Pain Awareness Month

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,...

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

Hearing loss has many causes, these can include:Heart disease Family history of hearing loss Working in a noisy environmentHearing 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...

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

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...

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

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...

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

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...

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Six Most Common Reasons for Disability Insurance Policy Denials

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 polices, 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 incomeIf your disability application has been denied, you should sit down and have a conference with your agent to learn the...

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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

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...

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ERISA and the 18 Mistakes That a Workers’ Compensation Claims Lawyer Can Make

In 1974, the United States Congress passed the Employee Retirement Income Security Act (ERISA), which is the statutory basis for welfare benefit plans, including group health and group disability plans.Many injured employees have ERISA disability policies, which provide either the payment of short term disability or long term disability benefits. ERISA litigation is a mixture of workers compensation, Social Security, contract law, medical and vocational issues. However, every workers’ compensation practitioner should know that ERISA is complicated and not for the faint of heart. ERISA’s Short Term Disability Claim Process Many employers will offer a short term disability policy that provides for...

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