02 November

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The Doctor Who Could No Longer Be a Surgeon: The Tale of a Long Term Disability Claim

Many physicians buy Long Term Disability policies which provides that disability benefits will be paid if they are unable to engage in their own occupation. If you have such a policy, I strongly suggest that you get out your policy and read the language. You must understand what the definition of total disability is. Some policies will define "total disability" as "unable to perform any job for which you are reasonably qualified or may become qualified because of your education, training or experience," that's an awful broad definition of a disability. These cases are usually dependent on policy language. As a...

02 November

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Long Term Disability Messes That Can Cause You Serious Financial Problems | Tampa Bay Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

Many people that buy Long Term Disability policy believing that after an accident or illness their lost income will be covered. That isn't correct! Did you know that a typical group policy only pays you 60% of your salary up to a specified limit? Such as $3,000, $5,000 or $7,500 per month? Long Term Disability group policies also don't replace lost income from commissions or bonuses. While getting Long Term Disability insurance because you have a one and three chance of becoming disabled and not being about to work 90 days or more at some point in your career, you do need...

02 November

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Myths about Long Term Disability Policies | St. Pete Florida Long Term Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

In the recent findings in my office, I have seen alot of people with questions about myths they hear about long term disability policies based on their carrier information. Being a Disability denied lawyer, I have written the book Robbed of Your Peace of Mind that will get your blood boiling. ...

02 November

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Did the Carrier Use The Wrong Expert? Long Term Disability Claim Denied Lawyer in Tampa Bay Florida

Posted by Nancy Cavey

in Long Term Disability

Long Term Disability carriers will routinely have a Long Term Disability claim reviewed by a panel of hired gun medical reviewers. We see these same reviewers time and time again. One of the most common mistakes Long Term disability carriers make is to use the wrong medical expert for the medical condition that is being claimed. Now that sounds dumb doesn’t it? The Florida federal regulations, which governs ERISA claim’s handling requires that the Long Term Disability carrier consult with a health care professional that has “appropriate training and experience in the field of medicine involved in the medical judgment,” 29...

02 November

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Insurer’s Wrongfully Deny Claims | No Legitimate Reason For Denial | Florida Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

In the L.A. Daily Journal, Evan George takes a look at California's disability insurance and finds that insurers wrongfully deny claims, despite findings by treating doctors and the federal goverment that they are too sick or hurt to hold a job. The first in a two part series, the story shows that insurers create incentives for employees to turn down claims. Once denied, workers must navigate a complicated bureaucracy that takes years. Of the cases that reach trial, judges found in nearly half the cases that the insurance companies had no legitimate reason to deny the claims. But because the injured workers...

02 November

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Long Term Disability and Fibromyalgia Syndrome | Florida Fibromyalgia Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

Close to 90% of disabling accidents and illnesses are not work-related, according to the National Safety Council Injury Facts 2008. One of the most disabling conditions is Fibromyalgia. If you have a long term disability insurance policy, Nancy Cavey, a Florida-based long term disability attorney, suggests that you get out your long term disability policy and see whether or not Fibromyalgia is one of the covered conditions under the terms of your policy. If you are a Fibromyalgia sufferer, Nancy Cavey suggests that you have a short and long term disability insurance on it before...

02 November

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Private Disability Insurance Policy | Private Disability Insurance Attorneys | St. Petersburg Florida

Posted by Nancy Cavey

in Long Term Disability

At Cavey and Barrett, your Florida based private disability insurance attorneys, we suggest that you purchase a private disability insurance policy. We found the private disability providers are more likely to live up to their own promise of providing a needed income in the case of disability. Making decisions and understanding a disability insurance policy can be complex and difficult. That is why we have written two great books, "Robbed of Your Peace of Mind" and "The Smart Long Term Disability Consumer Guide for Preparing Your Written Statements and Field Visit" Please do not hesitate to contact us for your...

02 November

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Social Security Disability and Veterans Disability Claims.

Posted by Nancy Cavey

in Long Term Disability

Are you a disabled veteran who has applied for Social Security Disability benefits? You can get both Social Security Disability and Veterans' benefits. There is nothing that stops you from getting two federal disability checks from two separate federal agencies. Think about it: medical records are the basis of your claim for both Social Security Disability and Veterans' benefits. Make sure that both the Disability Examiner or your VA and Social Security Disability Claims Examiner are aware of all of your medical treatment, including your military treatment, names of your doctors and addresses of your providers. That will make it...

02 November

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No. 7 – Are you eligible for Social Security Disability?

Posted by Nancy Cavey

in Long Term Disability

To be eligible to file an application for Social Security Disability benefits you have to be insured. What? Now, I know that you haven't completed a disability application or paid a premium, so what do I mean by being insured? The payroll deduction that your employer makes into the Social Security system is how you become insured. You have to be in the workforce for 20 out of 40 quarters to be insured. If you have a gap in your work history because of illness, you may have lost your insured status for Social Security Disability, or you may simply have never...

02 November

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No. 8 – I’ve been denied Social Security Disability benefits. What do I do next?

Posted by Nancy Cavey

in Long Term Disability

You have three choices: you can give up, file a brand new Social Security Disability application, or you can file an appeal. I'm a fan of Winston Churchill, and my motto is "Never give up!" You have to understand that most initial disability applications are denied and, in fact, are also denied a second time at the "request for reconsideration" stage. Your chances of winning at the disability hearing stage level rise significantly, particularly if you have attorney representation. We rarely contemplate having you start over with a new application and only suggest it if there is some technical reason for your denial. At...