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Long Term Disability

CaveyLaw.com > Long Term Disability (Page 6)

Your Plan for Long Term Disability Benefits and a Functional Capacity Evaluation

functional capacity evaluation disability

One of the best ways to establish your functional restrictions and limitations is a functional capacity evaluation. However, all to often, long term disability carriers use functional capacity evaluations as a basis to deny claims. Many long term disability carriers will deny claims on the basis there is no objective basis for the physical restrictions and limitations assigned by your physician. The long term disability carrier will request a functional capacity evaluation to determine the validity of your subjective complaints and prove you can work. What is a functional capacity evaluation? A functional capacity evaluation is a 3 to 5 hour comprehensive evaluation...

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How Your Doctor Can Help You Win Your Long Term Disability Claim

Doctor Long Term Disability Claim

The long term disability carrier will send your doctor a physician disability form to complete which asks questions about your physical restrictions and limitations. Unfortunately, there is no routine form and many of the forms are designed so that your physician will ultimately opine that you’re capable of sedentary work. Why? The long term disability carrier wants to deny your claim. If the form that your doctor has been sent by the long term disability carrier simply doesn’t address all of your restrictions and limitations, have your doctor document on the form what, in fact, your restrictions and limitations...

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What Happens After Your ERISA Law Suit has been Filed?

You purchased a long term disability policy to provide you with peace of mind. But, when you least can afford it, your disability carrier has denied your benefits and has rejected your appeal. Your next and only recourse is to higher a long term disability attorney to sue your long term disability carrier. Your attorney will file what is called a complaint which outlines the facts of your case and why you are entitled to benefits. There generally is no activity for 60 to 90 days after a claim is filed. Why? The complaint is filed and then served on a...

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Continuing Disability Statements and Your Rights to Long Term Disability Benefits: The Introduction

traps for disability statement

You may have received a phone call or letter from your long term disability carrier advising that they want to take “a continuing disability statement”, they may even come to your house to attempt to take the statement which I strongly discourage. The introductory part of the continuing disability statement will include: 1. The agreement that the interview site is an agreeable location 2. Identify who is present and their relationship, if any, to you 3. The day’s date and time 4. Your acknowledgement that the interview is going to be recorded and your agreement to the same 5. Questions as to whether you are...

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Make Your Medical Records Work for You and Your Claim for Long Term Disability Benefits

medical records long term disability

When you apply for short or long term disability benefits, carriers will obtain your medical records and have your physician complete what’s called an Attending Physician's Statement Form. Make Your Medical Records Work for You Those medical records and what your physician has to say about your restrictions and limitations can make or break your disability claim. It’s crucial that your doctor document, with your assistance, your physical or psychiatric complaints, how those complaints impact on your ability to function and establish an objective basis for your doctor’s opinions about your restrictions and limitations. Many times, disability carriers will deny disability claims on the...

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Celiac Disease and Your Rights to Long Term Disability Benefits.

celiac disease attorney disability

Celiac Disease is a permanent intolerance to wheat protein and related alcohol soluble proteins (prolamins) found in rye and barley. Celiac Disease can lead to an autoimmune disease, which can result in inflammation and malabsorption of critical vitamins, minerals and calories and eventually a long term disability. Signs and Symptoms of Celiac Disease These signs and symptoms can include: 1.) Diarrhea, 2.) Iron deficiency anemia, 3.) Lactose intolerance, There are also “non classical” symptoms, like abdominal pain, The key to confirming the diagnosis is a small intestinal biopsy, and your response to a gluten free diet. Because Celiac Disease is an autoimmune condition, you may have a long term disability...

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Osteoporosis and Your Right to Long Term Disability Benefits.

If you have purchased a Long Term Disability policy through your employer or on your own, you may be entitled to Long Term Disability Benefits, if your doctor has told you that you are unable to work as a result of Osteoporosis. How is Osteoporosis Diagnosed? A Bone Density Test is the only test that can diagnose Osteoporosis before broken bones appear. It can also, 1.) Predict your chance of breaking bones in the future, 2.) See if your bone density is getting worse or staying the same, Bone Density Tests The National Osteoporosis Foundation recommends a Bone Density Test of the hip and spine using...

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Physician Support for Your Long Term Disability Claims! Crucial!

If you have purchased a Long Term Disability policy through your employer or on your own, you may be entitled to Long Term Disability benefits if your physician has told you that you are unable to work. Let’s be frank! A claim for disability benefits will never be approved without the support of your treating physician. Your doctor has to certify and document in your medical records you have restrictions and limitations that prevent you from working either in your occupation or any occupation. Nancy Cavey, A Nation Wide Long Term Disability Attorney, thinks it’s crucial that you provide your doctor with...

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Continuing Disability Statements and Your Rights to Long Term Disability Benefits: The Introduction

You may have received a phone call or letter from your long term disability carrier advising that they want to take “a continuing disability statement”, they may even come to your house to attempt to take the statement which I strongly discourage. The introductory part of the continuing disability statement will include: 1. The agreement that the interview site is an agreeable location 2. Identify who is present and their relationship, if any, to you 3. The day’s date and time 4. Your acknowledgement that the interview is going to be recorded and your agreement to the same 5. Questions as to whether you are...

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The Initial Application for Short Term or Long Term Disability Benefits Can Make or Break Your Case

long term short term disability cases

Completing your initial application without consulting a disability attorney is a setup for failure. You should formulate a plan of attack for winning your long term disability claim before you willy nilly complete an initial disability application with hopes that your carrier will Fedex a disability check to you. Applications often contain vague questions that are misleading or will bait you into submitting incomplete information. Worse yet, having an irregular disability policy you don’t even know the standard proof you need to establish to show that your disabled as a result of your medical condition. You will also be asked to have...

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