02 November

Sticky

What is ERISA and Why Should You Care? | Florida Disability Insurance Attorney

Your employer may have offered you a long term disability policy as part of your benefit package. Did you accept and begin paying premiums? If so, and if you are not employed by a church or a municipality, your claim is probably covered under the Empoyee Retirement Income Security Act (ERISA). The ERISA Act was passed by Congress in 1974 to address teamster union corruption. Remember Jimmy Hoffa who used teamster dues to fund his criminal enterprise? Congress wanted to pass a simple (not), comprehensive (not) and uniform (never) application of law for health,...

02 November

0 Comments

Sticky

Must a Long Term Disability Carrier Give You Medical Reports They Rely on To Deny Your Claim? | Tampa St. Petersburg Disability Insurance Attorney

Posted by Nancy Cavey

in Long Term Disability

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 ...

02 November

0 Comments

Sticky

New York Insurance Commissioner Says UNUM is Complying with Claims Handling Agreement | Sarasota Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

The New York Insurance Commissioner has just announced that, in his opinion, UNUM is complying with the 2004 Multistate Agreement that UNUM entered into after being sued by a number of State Attorney Generals for their claims handling of long term disability cases. If you've been denied a claim, contact our New York Life disability claims lawyer today. Click on the link http://www.ins.state.ny.us/press/2008/p0805011.htm If you have any questions about your long term disability claim against UNUM or have been wronfully denied your long term disability benefits by UNUM, contact UNUM long term disability claims lawyer Nancy Cavey by clicking the link or...

02 November

0 Comments

Sticky

Cancer is Top Cause of UNUM’s Disability Claims | Orlando Disability Insurance Attorney

Posted by Nancy Cavey

in Long Term Disability

Unum has issued an annual review of the leading causes of the 400,000 short and long term disability claims it got in 2007. According to the review, the leading cause of short term disabilty claims is a normal pregnancy which caused 21% percent of the disability claims. That is understandable! 10% of the claims where due to non- back related injuries, 7% due to digestive or intestinal disease and 6% were due to back injuries. The leading cause of long term disability claims, based on a disability database that tracks 25 million covered individuals and...

01 November

0 Comments

Sticky

Has Hartford Targeted Your Long Term Disability Claim For Termination | Tampa Bay Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

Unfortunately, it seems that some long term disability carriers are targeting certain long term disability cases for denial. Hartford has a GRP division that buys long term disability claims from other carriers and then targets the claims for denial. Based on what I am seeing in my practice, Hartford is also trying to target claims on the psychiatric limitation of benefits clauses that limit the payment of long term disability benefits for psychiatric conditions to two years. Hartford will have a physician review the case and determine that, while the person has physical problems, the real problem...

01 November

0 Comments

Sticky

Protect Yourself from Surveillance By the Long Term Disability Carrier | Hillsborough and Pinellas County Disability Insurance Lawyer

Posted by Nancy Cavey

in Long Term Disability

Is there a strange van down the street? Are you being followed? Are you getting calls and when you answer, the person on the other line hangs up? If is is happening to you, the long term disability carrier just might have surveillance on you to see if you are doing something you said in your activity of daily living forms you could not do! Or they just might be checking up on you. How can you protect yourself? Simple! Call the police and report this activity everytime it happens. If you are driving in your car...

01 November

0 Comments

Sticky

Help! The Long Term Disability Adjuster Wants to Take My Statement or Come To My House | Florida ERISA Disability Insurance Attorney

Posted by Nancy Cavey

in Long Term Disability

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...

01 November

0 Comments

Sticky

UNUM’s 2008 Profits Come at the Expense of Long-Term Disability Policy Holder’s Piece of Mind | Clearwater ERISA Disability Attorney

Posted by Nancy Cavey

in Long Term Disability

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 operating results and the quality of our balance sheet . . ." UNUM's profits coming at the expense of UNUM LTD Policy Holder's peace of mind. UNUM is robbing their long term disability policy holders by denying valid long term disability...

01 November

6 Comments

Sticky

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...

01 November

0 Comments

Sticky

No. 2 – Long-term disability benefits and my healthcare coverage through COBRA

Posted by Nancy Cavey

in Long Term Disability, Uncategorized

No. 2 - Long-term disability benefits and my healthcare coverage through COBRA At The Law Office of Nancy L. Cavey, it's not uncommon for long-term disability applicants to come to our office with a letter from their employer about continuing their healthcare coverage through COBRA. Federal law requires employers with 20 or more employees to provide COBRA health care continuation coverage, and there are specific time limits for choosing this coverage. Unfortunately, many long-term disability applicants are also applying for Social Security Disability benefits and are in need of medical treatment. They have not become Medicare eligible and are facing a gap in...