ERISA disability policies hide behind an important clause in their long term disability policy in justifying their claims denial, that’s called a “discretionary clause”, a discretionary clause gives all the power to the long term disability carrier to deny your benefits. Courts will defer to the long term disability carriers decision making it very difficult […]

It is not uncommon for long term disability carriers to have a vocational evaluator determine that your occupation is sedentary in nature and then, in turn allege that your medical records can’t support your inability to perform the full time functions of a sedentary occupation. The vocational evaluator, together with an internal physician peer review,

Employers, in these difficult times, are offering their employees buy out packages. If you are applying for long term disability benefits, or your long term disability benefit claim has been denied, you should carefully read any buy out offer. Why? In the fine print there might be a clause that says that you are giving

If you file a long term disability lawsuit in federal court, a federal judge will order you to attend what is called a mediation. A mediation is a crucial step in every long term disability claim because it is an opportunity for you and the long term disability insurance company to meet face to face

When you apply for short or long term disability benefits you can make some very serious mistakes that can destroy your claim or limit the benefits your are entitled to. That’s why Nancy Cavey, a long term disability attorney, suggests that you get advice about the disability claims process before you file a claim for

If your doctor has told you that you are unable to work and you are thinking about applying for short or long term disability benefits, one of the most important decisions that you need to make is the date on which you stop working. If you pick the wrong date to stop working, your claim

The disability insurance claims process is complicated and an innocent mistake can destroy your claim for benefits. While it may not be necessary to consult a disability attorney, Nancy Cavey, disability claims denied attorney, thinks that it is important that you get advice about the disability claims process even before you file a claim for

Long Term Disability Attorney Nancy Cavey who has written the go to guide on surveillance and completing activity of daily living forms, knows that there is a dirty secret about long term disability insurance carrier interviews. If, for example, you’ve undergone survey, you will most likely see these kinds of questions: How is your recovery