Will the long term disability insurance company send someone to my house to take my statement? Yes, they just might do that. At Cavey and Barrett, we think a call from the carrier saying they want to come and take your statement is bad news. Florida Disability attorney Nancy Cavey has written about “How to […]

Help! The Long Term Disability/ERISA carrier has called and wants to come to my house! What should I do? Nancy Cavey, a Florida based disability attorney, has a blog just on long term disability and ERISA issues where you will find a free guide about how to prepare for your home visit. Start reading! I

Do I have to have the long-term disability/ERISA insurance company’s permission to speak with my doctor? No! And – no! And I’m not kidding, no! The long-term disability/ERISA insurance company will miss use any release you give them. What do we mean? Long-term disability/ERISA insurance lawyer Nancy Cavey has found that carriers will use the

When should I file a claim for long-term disability/ERISA benefits? Before you stop working, long-term disability/ERISA lawyer Nancy Cavey suggests that you get your long-term disability policy (LTD) out and read that portion of the policy that tells you when you must file a claim. Most policies require that you file your claim for long-term

My doctor tells me that I can’t work anymore. What steps should I take before I stop working? Get your long-term disability insurance policy (LTD) out and start to read. First, make sure that the condition preventing you from working is covered under your long-term disability policy. For example, if your policy doesn’t pay benefits

What if I am a public employee? ERISA excludes local, state, and federal employees from coverage. For those covered under a private plan, the claim for the denial of benefits is going to be a claim for the breach of a contract and can be tried by jury in a state court system. The term

The Tampa Bay Friends of 440 Scholarship Fund was founded by Nancy Cavey and is a non-profit organization comprised of attorneys, doctors, insurance adjusters, Judges of Compensation Claims, administrators, rehabilitation providers and others whose primary employment is connected with the Florida Workers’ Compensation Act.  These members donate their time and energy to promote social and

There are many stumbling blocks in the disability process. Before a dental professional considers filing a claim for disability benefits, there is help available to make that difficult decision about whether and when to apply for disability benefits and how to maintain your practice as you move through the disability process. Disability claims advice should

1. You need advice and assistance in completing your claim forms and other insurance company requests. Picking the right date of disability, making sure your disabling condition is covered and is not excluded by a pre-existing condition, determining your pre-disability earnings and accurately completing your application is key to the beginning of a successful claims