Before applying for long term disability benefits there are 7 things you should do to protect yourself. Nancy Cavey, Hillsborough and Pinellas County, Florida disability insurance lawyer, who has written a free consumer quide to long term disabiity policies called “Robbed of Your Peace of Mind” suggests that long-term disability applicants call and: (1) get […]

Has the long-term disability carrier just announced they want to take your statement? Nancy Cavey, a Florida-based long-term disability ERSIA attorney, has written extensively on how you should prepare for the statement and how to avoid a 23 mistakes you can make when a long-term disability carrier tries to take your statement. If you have

Your financial preplanning did not begin and end with the purchase a long-term disability policy. That was only the beginning! You still have to make significant plans for your financial future. What do I mean? If you suffer from a gradual onset disease like degenerative joint disease, Parkinson’s disease, Lou Gehrig’s disease, multiple sclerosis, or

The long term disability/ERISA carrier may ask you to sign medical releases. Be careful because you do so at your own risk. The carrier will use that release to talk with your doctor about your medical condition and deny your claim for long term disability benefits. The long term disability/ERISA carrier will also try to

2.5 Million American apply for Social Security disability benefits every year and it takes, on average a whopping 288 days, to get a decision on because of the backlog. The reality is that in the Tampa/St. Petersburg area the delay is almost 2 years. What contributes to that delay? In an awesome article, the New

The ERISA statute, 29 U.S.C. 1133(2) says that a person asking for payment of long term disability benefits should be given “full and fair review … of the decision denying the claim.” You also must be given “all documents, records, and other information relevant to the claimant’s claim for benefis for a review to qualify

Nancy Cavey, a long term disability/ERISA disability attorney, has written a “How To” Primer for every long term disability/ERISA claimant you gets a call from the adjuster saying they want to take your statement or come for a home visit. This is not a social visit… more like Freddie Kreuger at your door! The trick

UNUM’s 2008 Third Quarter Profits  are in! UNUM reported a “net income of $108.00 million in the third quarter of 2008 compared to a net income of $187.00  million in the third quarter of 2007”. Mr. Thomas R. Watjen, president and CEO, commented in an article found at http://www.ad-hoc-news.de/UNUM-Group-Reports-Third-Quarter that he was “pleased with our

Many long-term disability insurance policies require you to apply for Social Security disability benefits, and will offer the services of companies like Allsup, Occudanta, Advantage 2000, Disability Services, Inc. to help you with your Social Disability Claim. Should you use these companies? As an experienced long-term disability/ERISA and Social Security disability Attorney. My answer is