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Long Term Disability

CaveyLaw.com > Long Term Disability (Page 24)

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

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...

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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

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...

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

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...

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Functional Capacity Evaluations and Your Claim for Long Term Disability Benefits

If you have been scheduled for a functional capacity evaluation you be can sure it’s because the Long Term Disability carrier doesn’t agree with what your treating physician says about your restrictions and limitations. If you have been scheduled for a functional capacity evaluation call Nancy Cavey, an experienced Long Term Disability ERISA claims denied lawyer in Florida today at 727-894-3188....

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The Truth about the US Economy and its Impact on Long Term Disability Claims

In Hartford's 2010 Benefit Landscape Study, Long Gendreau, Executive Vice President of the Hartford Group Benefits, explained that the number of employees in the United States with "short term disability insurance rose from 41% in 2009 to 55% in 2010" the percentage of American workers with "long term disability insurance increased from 36% in 2009 to 47% in 2010". Income production is key to protecting your financial well-being. Nancy Cavey, Florida individual policy attorney, recommends that if you are considering the purchase of a long term disability policy, that you purchase your own personal individual disability policy as opposed to a grouped...

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