01 November

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How is the long term disability/ERISA lawyer going to let me know if they are going to pay my disability benefits?

How is the long term disability/ERISA lawyer going to let me know if they are going to pay my disability benefits? You might get a call but most likely you will get a letter letting you know if you are going to be paid your disability benefits. If you get a letter sayig the long term disability carrier will pay your benefits, make sure you are getting the right amount and any back benefits. If you get a letter denying your benefits, you generally have the right to appeal. Don't fool around about a denial. The reality...

01 November

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The long term disability/ERISA insurance compnay refuses to pay my disability benefits and I want to sue them!

Posted by Nancy Cavey

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The long term disability/ERISA insurance compnay refuses to pay my disability benefits and I want to sue them! If you have a private disability insurance policy that you have purchased, you can sue in state court if the long term disability insurance company denies your claim. We file a bad faith claim with the Department of Insurance and, after that cliam period has expried, we generally file a state law suit. If you have a group disability policy it is governed by a federal law called ERISA which requires you to exhaust all of your administrative remedies...

01 November

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The long term disability/ERISA carrier has decided to pay my long term disability benefits. What happens next?

Posted by Nancy Cavey

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The long term disability/ERISA carrier has decided to pay my long term disability benefits. What happens next? Awesome! Make sure the long term disability insurance company is paying you the right amount of long term disability benefits, not taking any improper deductions, and is paying you any back benefits that you are owed. If you have any questions about whether you are getting the right amount of long term disability benefits or have questions about any deductions by the long term disability insurance company, contact St. Petersburg/Tampa disability lawyer Nancy Cavey by clicking the link...

01 November

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Should I continue to pay the premium for long term disability coverage if I am awarded my long term disability benefits?

Posted by Nancy Cavey

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Should I continue to pay the premium for long term disability coverage if I am awarded my long term disability benefits? Most long term disability policies have a provision that says if you are granted your long term disability benefits, your premium for continuing long term disability coverage is waived and you don't have to pay. This is called a "waiver of premium" clause and you need to check your policy to see if you have that provision in your long term disability/ERISA policy. Disability lawer Nancy Cavey can help you read and understand your long...

01 November

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I am reducing my hours at work and wonder when should I apply for long term disability benefits?

Posted by Nancy Cavey

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I am reducing my hours at work and wonder when should I apply for long term disability benefits? Every disability policy has what is called an "elimination period" and "notice" provision and, to answer that question, you need to get your policy and look at those provisions. Some policies say you have to give notice of claim when you start reducing your hours and others say you can wait. There is no standard disability policy! Nancy Cavey, an experienced long term disability lawyer based in the Tampa Bay area, can hlep you understand your policy...

01 November

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What happens after I file my claim for disabilty insurance with my long term disability insurance carrier?

Posted by Nancy Cavey

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What happens after I file my claim for disabilty insurance with my long term disability insurance carrier? After you have filed your initial claim for disability benefits, the disability insurance carrier will contact you by phone or in writing to acknowledge they have gotten your claim. If you are called by the carrier, do not give a statement or answer any questions. You might get confused by the disability adjuster's questions or give the wrong answer that can damage your long term disability claim. At Cavey and Barrett, we suggest that you have your...

01 November

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I have just filed my claim for long term disability benefits. What happens next?

Posted by Nancy Cavey

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I have just filed my claim for long term disability benefits. What happens next? The long term disability adjuster will be assigned to your claim and will contact you in writing or by phone. You should not deal with the adjsuter without having a lawyer. St. Petersburg, Florida disability lawyer Nancy Cavey has written extensively about the mistakes you can make dealing with a long term disability insurance adjsuter. Yes, I know you think it is just a phone call and that you can handle a call from the disability insurance company. WRONG! You can read...

01 November

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I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do?

Posted by Nancy Cavey

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I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do? The Law Office of Cavey and Barrett are highly experienced long term disability/ERISA attorneys. Nancy Cavey has written a number of blog posts on what you should do when the long term disability carrier calls you. Remember, this is not a social call. The last thing Tampa Bay disability lawyer Nancy Cavey suggests you do is to speak with a long term disability adjsuter. You may innocently say something that could...

01 November

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My doctor tells me to start reducing my hours. Should I apply for long term disability benefit/ERISA disability?

Posted by Nancy Cavey

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My doctor tells me to start reducing my hours. Should I apply for long term disability benefit/ERISA disability? Unfortunately, there is no hard or fast answer to that question. Each long term disability policy/ERISA policy has different provision about how long you have to be out of work or what kind of reduction in your hours and pay you need before you are eligible for long term disability/ERISA benefits. Long term disability lawyer Nancy Cavey, based in St. Petersburg, Florida, will remove any doubt from your mind in a no-obligation consultation. She will look at...

01 November

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The long term disability/ERISA carrier wants me to be examined by their doctor. What should I do?

Posted by Nancy Cavey

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The long term disability/ERISA carrier wants me to be examined by their doctor. What should I do? Call long term disability/ERISA lawyer Nancy Cavey immediately! Most long term disability policies give the carrier the right to have you examined but at Cavey and Barrett we make sure the carrier doctor: 1. Treats the same medical condition that disables you; 2. Has all your medical records. We insist that all long term disability/ERISA insurance examinations are videotaped for your protection. If you have any questions about your long term disability/ERISA claim for disability benefits, call Pinellas County Attorney ...