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Disability Attorney Nancy Cavey Helps Long Term Disability Insurance Claimants Understand Their Long Term Disability Claims Process

Long Term Disability

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Disability Attorney Nancy Cavey Helps Long Term Disability Insurance Claimants Understand Their Long Term Disability Claims Process

Disability insurance companies like to collect premiums but fight hard to protect their cash reserves, denying claims. Unfortunately it is not uncommon for Long Term Disability insurance companies to deny or delay a claim, which can lead to financial disasters for Long Term Disability policyholders. It is important that you understand the Long Term Disability […]

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Do I really need a private disability insurance policy if I have a policy through work?

Yes! Many disability insurance policies provided by your employer only cover you with 60% of your salary with a maximum of $5,000 to $10,000 in benefits. These benefits can be taxable and subject to various reductions. As a result, you’ll get less than 60% of your salary. More importantly, group policies are governed under the

Do I really need a private disability insurance policy if I have a policy through work? Read More »

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Financial Pre-Planning and Your Claim for Long Term Disability Benefits

Financial pre-planning does not begin and end with the purchase of your Long Term Disability policy. That’s only the beginning! You still have to make significant plans for your financial future. If you suffer from a gradual onset disease like degenerative joint disease, Parkinson’s disease, Lou Gerick’s disease, multiple sclerosis or even Alzheimer’s, the disease

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Why Every Medical Professional Should Have a Disability Claims Consultation Before Filing a Claim for Long Term Disability Benefits

There are many stumbling rocks in the disability process. Before a medical professional considers filing a claim for disability benefits, there is help available. You have a difficult decision to make about whether and when to apply for disability benefits and how to maintain your practice as you move through the disability process. Disability claims

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Why Every Physician Seeking Disability Benefits Should Have an Attorney in the Disability Claims Process?

1. You need advice and assistance in completing your claims form and other insurance company requests. Accurately completing your application is the key to the successful claims process. This includes picking the right date of disability, making sure your disability condition is covered and is not excluded by a pre-existing clause, determining your pre-disability earnings.

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Doctor to Doctor Calls and Your Long Term Disability Claim

Long Term Disability companies, including UNUM, routinely make doctor to doctor calls to persuade your doctor that you are capable of working. It always looks better for UNUM when they deny your claim if your physician supports that denial. Did you know that UNUM will cold call doctors when they are busy hoping to catch

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Many Long Term Disability Policies Require that You Apply for Social Security Disability Benefits

Many carriers will offer you the assistance of a third party vendor such as Alsup or essentially assist you in receiving Social Security Disability benefits. Unfortunately, it is not uncommon for companies like these to try to get you to file a Social Security Disability claim based on the wrong condition or a condition that

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