02 July

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Prudential Disability Insurance Program Begins a Return to Work Service

One of the many disability carriers in the United States is Prudential Group Insurance which has created a Return to Work Service for employers to assist them with Short Term Disability claims. This program provides employers with assistance in developing a Return to Work Program for employees who are disabled. If you've been denied a claim, contact our Prudential disability claims lawyer today. Disability insurance claim denied attorney Nancy Cavey applauds Prudential’s efforts to begin a Return to Work program to help those who are disabled return to work with assistance in helping employers and disabled employees to return to work in...

07 June

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Does Your Long Term Disability Denial List Alternative Jobs that You Allegedly Can Perform?

Posted by Nancy Cavey

in Long Term Disability

You purchased your long term disability policy to provide you benefits when you are unable to work. Unfortunately, many long term disability carriers don’t make it easy for those who are disabled to get the benefits that they deserve. One of the favorite ways that long term disability carriers will deny claims is to list alternative jobs that you can reportedly do despite your restrictions and limitation. Unfortunately, many long term disability carriers fail to actually consider what the material duties of the hypothetical jobs are. So, for example, if the hypothetical job requires you to interact with customers or fellow...

04 June

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Give Me One Minute and I’ll Explain How Long Term Disability Carriers like Northwestern Mutual Make Money with Your Long Term Disability Premiums

Posted by Nancy Cavey

in Long Term Disability

Northwestern Mutual has continued it’s strong growth as a commercial state investor and lender by participating in major transactions in both east and west coast. In fact, Northwestern Mutual recently sold the Seattle Towers for a substantial amount of money. By purchasing Class A properties and projects, Northwestern Mutual has increased its portfolio to over $30.2 billion. Long term disability carriers like Northwestern Mutual use your premium dollars to invest in real estate transactions- and you thought they were just using your premium to pay disability benefits. If you've been denied a claim, contact our Northwestern Mutual disability claims lawyer today. You can learn...

31 May

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Struggling with Cardiovascular Disease

Posted by Nancy Cavey

in Long Term Disability

Has your doctor diagnosed you with cardiovascular disease? You may be eligible to receive long term disability benefits if you have purchased a group disability plan from a private insurer or have coverage through your employer. According to a report from Medline Plus, middle aged adults in the United States should start meeting the American Heart Association’s Heart Health Goals of: 1. Maintaining a healthy weight and diet; 2. Being physically active; 3. Not smoking; 4. Having adequate blood sugar levels; 5. Having adequate cholesterol levels; 6. Having good blood pressure. The study shows that just one out of every 2,000 middle aged adults in the United States...

30 May

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Heart Health and a Fiber Rich Diet

Posted by Nancy Cavey

in Long Term Disability

Did you know that heart disease can be a life threatening condition? According to the Science Blog, young and middle age adults who consume a fiber rich diet can significantly lower their risk of heart disease. Adults between the ages of 50-59 who made fiber a regular part of their diet were found to have a lowered lifetime risk of heart disease in comparison to those who have a low fiber diet. The lifetime reduction in the risk for heart disease is an important finding. Because heart disease is so wide spread in the United States, your physician may have told...

08 May

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No Extra Benefits Seen in Study for Coronary Artery Disease

Posted by Nancy Cavey

in Long Term Disability

A traditional method of treating coronary artery disease is prescribing beta blockers, ace inhibitors, statins and daily aspirin. A recent study, a described in the New York Times, shows that traditional treatment for coronary artery disease is just as effective as stent implantation for prevention of chest pain, heart attack and need for future percutaneous coronary intervention. Percutaneous coronary intervention, or PCI, involves a surgeon inserting a mesh tube made of metal into an artery that has become narrow because of accumulated plaque. The tube is fed into an artery and expands to hold the artery open to the point that...

03 April

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Ovarian Cancer Treatment side effects and your rights to long-term disability benefits

Posted by Nancy Cavey

in Long Term Disability

If you have been diagnosed with ovarian cancer and your treatment plan involves chemotherapy, you may experience physical, emotional, and psychological side effects. These can include: Fatigue Anemia Constipation Nauseousness and vomiting Mouth and throat problems Infection Anxiety and depression Nerve and muscle problems. When ovarian cancer prevents you from working, you may be entitled to receive long-term disability benefits if you purchased a disability policy from a private insurer or have coverage through an employer. Unfortunately, long-term disability carriers don’t make it easy to get the disability benefits you deserve, and in particular, do not understand the side effects of...

23 February

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Is The Clock Ticking On Your ERISA Long Term Disability Benefits?

Posted by Nancy Cavey

in Long Term Disability

The clock is ticking on your ERISA long-term disability case. Getting your long-term disability benefits can be challenging. If you have been diagnosed with a medical condition and have applied for and been denied your disability benefits, you need to understand that the clock is ticking. Retirement Income Security Act – Most long-term disability policies offered by employers are governed under the Employee Retirement Income Security Act (ERISA). If you have been denied long-term disability benefits, or your benefits were terminated, you will have 180 days to appeal the insurance company’s denial. The appeal process is a crucial part of winning...

12 December

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When Pain Makes You Unable to Work, We Show You How to Get Your Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Pain can be a monkey on your back that prevents you from working. You might have pain as a result of chronic migraines or a herniated disk that causes back or leg pain. There are an estimated 160 million sufferers of chronic pain in the United States according to the Institute of Medicine. If your doctor has told you that you are unable to work as a result of chronic pain, you may be entitled to long term disability benefits. You can learn all about the long term disability claims process and your rights to wage payments by ordering your...

05 December

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If Chronic Migraines Make it Impossible for You to Work, We Can Explain Your Rights to Long Term Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

If a chronic migraine situation results in disability, and you are enrolled in a group or individual long term disability policy, you may qualify to receive lost wages under the long term disability system. Did you know that the ratio of women to men suffering severe pains from migraines is two to one? It is important that you set realistic expectations with your doctor about treatment outcomes. There might not be a cure to your migraine headache and physicians will work with you to find the right treatment regimen that will make you more functional. If your physician doesn’t think you...