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Long Term Disability

CaveyLaw.com > Long Term Disability (Page 8)

What is an ERISA Appeal?

If you’ve purchased a long term disability insurance policy through your employer, it, most likely, is governed by the ERISA law. ERISA is a pro insurance federal law which requires that you submit an ERISA appeal if your claim has been denied. Generally speaking, an ERISA appeal is your only opportunity to submit additional information in support of a denied claim. Simply writing a letter saying that your appealing the decision or sending a letter from your physician saying that you are disabled wont win your appeal. It is crucial that the appeal addresses the myriad of reasons that long term...

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Doctors Earn Millions to Aid Long Term Disability Insurance Companies to Deny Claims

doctors long term disability

You bought a long term disability policy to provide you and your family peace of mind if you became disabled. Every year, millions of Americans file for long term disability as a result of illness or injury. Unfortunately, long term disability carriers are in the business of collecting premiums and not paying benefits. One of the ways that they legally deny long term disability claims is by hiring medical doctors to write reports about whether there is an objective basis for the diagnosis, objective basis of any restrictions and limitations, whether they are capable of working in at least a...

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ERISA Mediations, Your Chance to Tell Your Story

medications ERISA disability

If you have purchased your disability policy through your employer and have become disabled, your claim will be governed by the ERISA law. ERISA law is unlike any law in the United States and, quite frankly, it isn’t a fair law. Many ERISA disability policies have a provision in the policy that grants discretion to them to make the claims decision. That discretionary clause unbalances the scale of justice because a Federal Judge must give deference to the decision of the long term disability carrier. It is, quite frankly, difficult to win an ERISA case in court. Your day in court...

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Tips to Reduce Your Risk for Developing Arthritis

arthritis long term disability

Arthritis can be a disabling condition that prevents you from working. If your doctor has told you are unable to work, long term disability benefits may be available to offset lost wages. Did you know there are five tips to reduce your risk of arthritis: 1. Exercise; 2. Don’t push your body past its limits; 3. Watch your weight; 4. Stand up straight; 5. Take a Vitamin D. While family history plays a role in your risk of developing arthritis, the chances of developing many types of arthritis, including osteoarthritis and rheumatoid arthritis increases the older you get. While you can’t...

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Six Reasons Why You Want to Supplement Your Group Coverage with an Individual Disability Income Policy

You may have a false sense of financial security if you only have a group long term disability insurance policy. Individual disability policy attorney Nancy Cavey suggests that you supplement your group coverage with an individual disability policy so that you can have financial peace of mind. Did you know that: 1. Most employer sponsored group plans provide a benefit of 60% of your base salary up to a maximum monthly amount. 2. An individual disability policy can protect the portion of your income not covered by a group plan and will generally cover 80-90% of your total compensation, including...

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Screening Guidelines for Diabetes

Diabetes can be a disabling condition that prevents an individual from working for a long period of time. During this period of illness, treatment and recovery, long term disability benefits maybe available to offset your lost wages. The Diabetes Advocacy Alliance, a diverse coalition of 18 have come to together to change how America approached health burdens imposed by diabetes. According to Martha Ringer, Chief Advocacy Officer, for the American Association of Diabetes Educators. Diabetes “Is a public health crisis that threatens to overwhelm our health system…some 79 million Americans are on the verge of diabetes and another 7 million have undiagnosed...

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Where Should You Have Your Angioplasty?

The American Heart Association has conducted a study and has determined that smaller hospitals are just as safe as large ones for elective Angioplasty. An Angioplasty will open up clogged arteries with a balloon or prop them open with mesh like stents. In the past, many patients have had to travel long distances for Angioplasty or stents. Dr. Thomas Aversano, Associate Professor at Johns Hopkins Medical Institute in Baltimore conducted this study that “may bolster programs that offer Angioplasty at community hospitals, some of which only offer the procedure only during emergencies such as heart attacks” (http://yourlife.usatoday.com/health/medical/story/2011-11-14/angioplasty). If you have purchased an...

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Neurological Disorders and Your Rights to Long Term Disability Benefits

neurological disorders disability attorney

If you have purchased an individual disability policy or purchased a group policy through your employer, you may be eligible for long term disability benefits. The major types of neurological disorders that may result in a claim for long term disability benefits include: 1. Huntington’s Disease;2. Muscular Dystrophy; 3. Parkinson’s; 4. Alzheimer’s; 5. Cerebral Vascular Accidents (Strokes); 6. Injuries to the Spinal Cord and Brain; 7. Seizure Disorders; 8. Meningitis; 9. Brain Tumors. Unfortunately, many long term disability carriers don’t make it easy for those with neurological disorders to receive the long term disability benefits that they deserve. Long term disability applicants...

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You May be Entitled to Long Term Disability Benefits for Osteoarthritis

If you have purchased an individual long term disability policy or group disability policy and you have been diagnosed with osteoarthritis, you may be entitled to long term disability benefits if your condition is so severe that if prevents you from working. Osteoarthritis is a chronic joint disease of the hands, knees, hips and spine. It primarily effects adults age 55 years or older and is caused by a breakdown of cartilage in your joints. While physical therapy and medication can help control the pain, joint replacement surgery may be necessary when the joints in your hands, hips, or knees are damaged...

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What Does it Take to Collect Your Long Term Disability Benefits?

Long term disability attorney Nancy Cavey knows that disability carriers are notorious for delaying, denying and challenging your right to disability benefits. It takes persistence, experience and team work to get your long term disability benefits. From the moment that you file your disability claim, your carrier is looking for a reason to deny your disability benefits. One of the strategies that they employ is to use a disability guideline from a predetermined statistical duration after which you should be able to “return to work”. One of the leading guides long term disability carriers use is giving statistical guidelines. Long term disability...

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