18 June

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Long Term Disability Recipients Need To Be Afraid Of Medi-Copy Services

Long term disability carriers will request that you sign a medical release so that they can get copies of your medical records. Many will hire Medi-Copy services, a third part medical record processor, based in Nashville. In addition to medical records, they also provide disability form completion services. Guess what they do! Since they're working for the disability carrier, they have access to your file. When a disability form gets sent to your physician, they'll get it, fill it out and send it directly to the insurer. There have been instances in which Medi-Copy completed the form, signed the doctor's name and returned...

22 May

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Congestive Heart Failure And Your Rights Long Term Disability Benefits

Posted by Nancy Cavey

in Heart, Long Term Disability

Congestive Heart Failure Long Term Disability Benefits

Long term disability carriers don't always make it easy for those with congestive heart failure to get the long term disability benefits they deserve. What Are The Causes of Congestive Heart Failure? Coronary artery disease, congenital heart defects, poorly treated high blood pressure, prior heart attacks, valvular and pericardial disease and cardiomyopathy can all result in an enlarged heart and congestive heart failure. Regardless of the diagnosis, many long term disability carriers will want to see that your heart failure has continued despite your use of medication. What Does The Long Term Disability Carrier Look For In My Medical Records? Many long term disability...

18 May

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How Does A Short or Long Term Disability Policy Holder Find Out About Their Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Did you know that if you purchased a short or long term disability policy through an employer, (other than a government or church employer), the ERISA statute requires that your employer or Union act as a fiduciary? What Are The Duties Of A Fiduciary? Your employer or union must provide information about benefits when you ask for it in writing. In fact, plan administrators, employers or unions who provide benefits, must provide a copy of the plan documents to you if you make a written request for the documents. If they don't provide you with the plan documents, they can be subject to...

08 May

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Lupus Symptoms That Every Long Term Disability Carriers Expect To See In A Policy Holder’s Medical Records

Posted by Nancy Cavey

in Long Term Disability

Long Term Disability Policy Holder’s Medical Records Lupus

Lupus patients can have a long hard fight to get the long-term disability benefits they deserve. They key to winning long-term disability benefits for Lupus is in your medical records. What Your Medical Records Should Document About Your Lupus Your records should document the following symptoms and how they impact your ability to function: Low-grade fevers which are not attributed to other illnesses, Rashes or lesions particularly before a flare up, Oral ulcers, Enlarged lymph nodes, Chest or muscle pain, Kidney problems, Pulmonary problems, Swollen joints, Gastrointestinal issues, Thyroid issues and Fatigue. How To Document Your Fatigue Fatigue is the most common symptom of...

06 March

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What Every Long Term Disability Applicant Needs to Know About Having the Right Medical Support For Their Disability Claim

Posted by Nancy Cavey

in Long Term Disability

Right Medical Support Disability Claims LTD

When an injury or sickness prevents you from working, you may be entitled to disability benefits under a long term disability policy. However, before you stop working, you should get out your disability policy and understand: (1) how the policy defines occupation, (2) what type of proof the policy requires. It’s crucial that you understand the claims process before you stop working and apply for long term disability benefits. What Is A Disabling Condition? Most policies define a disabling condition as an injury or sickness that prevents you from doing the material and substantial duties of your occupation. How does your policy define disability condition and...

02 March

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Why It’s Crucial That Every Long Term Disability Applicant Pick The Right Date To Be Disabled

Posted by Nancy Cavey

in Long Term Disability

Date To Be Disabled Long Term Disability

One of the many challenges in applying for long term disability benefits is to determine the date that you become disabled and the date you should stop working. Before you stop working you should get out your disability policy and consider the following. What is the effective date of your long term disability coverage? If you become disabled before the effective date of your coverage, your long term disability carrier will deny our claim right off the bat on the basis that you’re not qualified for coverage. The Pre-existing Disability Clause Many disability insurance policies will have a pre-existing disability clause that prohibits the...

12 February

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Five Things Every Long Term Disability Policy Holder Should Know About Submitting a Notice of Claim

Posted by Nancy Cavey

in Long Term Disability

Submitting a Notice of Claim Long Term Disability

Long term disability carriers don’t make it easy for policyholders to get the disability benefits they deserve. Unfortunately, you can make crucial mistakes from the very beginning of your claim including how and when you submit a notice of claim. Before you “give notice” to the disability insurance company, you should do the following: (1) first, determine whether you have a claim, (2) whether your medical records support your claim, and (3) pick the right day to stop working. Only when you have done those things should you, or better yet, your attorney send the disability carrier (4) your notice that you will be filing a disability...

29 January

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How The Date of Termination and The End of Disability Coverage Can Destroy a Long Term Disability Claim

Posted by Nancy Cavey

in Long Term Disability

Date of Termination End of Disability Coverage Long Term Disability

In Boothe v. Deseret Mutual Benefit Administrators, No. 1:16-cv-0008-DN, 2017 W.L. 2787748 (D. Utah June 27, 2017) the Court found that because the disability coverage ended on November 2, 2012, when the employee's employment was terminated the claim for disability benefits was correctly denied. Termination Means The End Of Coverage Boothe had been injured in a motor vehicle accident and returned to work with accommodations, four-day work week with one day in the office and three days at home. Her employment ended on November 9, 2012, and she completed an application for disability benefits on December 29, 2012. Boothe’s medical records did not...