02 November

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What Is ERISA and Why Should I Care if I am a Long Term Disability Applicant? | Florida Long Term Disability Lawyer

If you have a long term disability policy through your employer you may not have the peace of mind you thought you bought. Nancy Cavey, a Florida long term disability lawyer, has written an article about the difference between a long term disability policy you have bought from a disability agent and an ERISA policy who have gotten through your employer. The difference is like night and day and can make a big difference to the financial stability of your family. You may not have the protection for disability you thought you had when you bought your long term disability policy. Answering...

02 November

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What Every Medical Professional Needs to Know about Disability Insurance Policies | Medical Professionals Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

Every medical professional should have a long term disability policy to protect themselves and their family if they became disabled. Do you know the 3 different types of long term policies or the advantages/ disadvantages of each. Nancy Cavey, a long term disability attorney who specializes in helping medical professionals with their disability claims, has written an article, "What Every Medical Professional Needs to Know about Disability Insurance" Make sure that you have protected your income and standard of living! Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney...

02 November

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How Difficult is it to Get Long Term Disability Benefits? | Florida Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

The long term disability insurance company is in the business of collecting premium dollars and not paying out dollars! The long term disability claims process is lenghty and complex. Nancy Cavey, a Florida based long term disability lawyer, has written a consumer's guide, "Robbed of Your Peace of Mind, to assist you in understanding your long term disability policy and the mistakes that can destroy your long term disability claim. Dealing with the long term disability insurance company when you are ill, in pain, and taking medication can be very difficult. Cavey and Barrett specializes in private and group disability insurance claims. Disability...

02 November

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7 Tips for Long Term Disability Policy Holders Before Applying for Benefits | Tampa Bay Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

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 a copy of their policy; (2) read the policy and the directions for filing their claim and follow every step; (3) make a copy of everything you send to the disability carrier; (4) send everything to the long term disability carrier with return receipt request to prove that you sent...

02 November

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The 2009 Economy and UNUM’s Payment of Long Term Disability Benefits | Florida Insurance Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

At Cavey & Barrett we are seeing a “slow pace strategy” and out right denial of valid claims by long-term disability carriers such as UNUM. This delay or denial is for the benefit of long term disability carrier. This aggressive claims handling has resulted in increased profits for UNUM. According to a UNUM Group Q1 2009 Earnings Call transript on May 4, 2009 "group disability earnings were 44% higher driven by strong risk results"...

02 November

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How to Avoid the 23 Mistakes You Can Make When The Long Term Disability Carrier Wants to Take Your Statement | Florida Long Term Disability Attorney

Posted by Nancy Cavey

in Long Term Disability

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 any questions about how to prepare for this crucial event in your long term disability/ERISA claim, contact Tampa Bay attorney Nancy Cavey buy clicking the link or by calling 727-894-3188. http://longtermdisabilityanderisablog.com/preparing-for-your-statement-and-field-visit ...

02 November

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Financial Pre-Planning Doesn’t End When You Buy Your Long Term Disability Policy | ERISA Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

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 Alzheimer's, the disease process will give you the time you need to make significant work and financial decisions. There are a number of steps that you must take, sooner and not later, in financial preplanning. 1. Learn about your disease and how it progresses over time. It is important...

02 November

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Will The Long Term Disability Carrier Spy on Me? | St. Petersburg Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

Yes! I tell every long term disability/ERISA claim applicant that the long term disability carrier will place surveillance on you. They will ask you to complete Activities of Daily Living forms and then try to catch you doing something you said you could not do. They will then confront you with the film and try to get you to sign a statement saying you are not telling the truth. I have written extensively on How To Prepare for Your Statement And Field Visit. Grab your free copy of my book about it today by visiting that link! Need Help With Your Long Term...

02 November

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Signing Long Term Disability/ERISA Medical Release Can Destroy Your Claim | Tampa Bay Long Term Disability Lawyer

Posted by Nancy Cavey

in Long Term Disability

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 get your doctors to agree with their doctor's assessment about your ability to work or have them look at surveillance film. That will destroy your claim! Don't give them access to your doctors by signing a medical release! Read an article Virginia attorney Ben Glass wrote about signing...

02 November

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Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend Like Allsup? | Clearwater ERISA Disability Attorney

Posted by Nancy Cavey

in Long Term Disability

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 unequivocally "No"! In fact, UNUM was convicted on making LTD applicants apply for Social Security disability even if the applicant was not entitled to or qualified or eligible for Social Security disability. Of course, some may think my answer is based on...