01 November

Sticky

What should I do if the long term disability insurance company denies my long term disability claim application?

What should I do if the long term disability insurance company denies my long term disability claim application? Pick up the phone immediately and call disability lawyer Nancy Cavey at 727-894-3188. You have 180 days from the date of your denial letter to file an appeal. The long term disability carrier is hoping you will give up and won't appeal. Don't let them win! You have paid for long term disability benefits. Tampa Bay based long term disability lawyer Nancy Cavey will provide you with a free initial disability consultation about your denied long term disability...

01 November

0 Comments

Sticky

What am I supposed to do when the long term disability/ERISA carrier stops paying my long term disability benefits?

Posted by Nancy Cavey

in Uncategorized

What am I supposed to do when the long term disability/ERISA carrier stops paying my long term disability benefits? Call Disability lawyer Nancy Cavey at 727-894-3188 immediately! The appeal clock is ticking!! The long term disability carrier is betting that you will give up and won't appeal within 180 days of the time the long term disability/ERISA carrier cut you off. Don't let the clock run out on your rights to appeal your long term disability benefits!...

01 November

1 Comment

Sticky

My long term disability/ERISA carrier is taking forever to tell me if they will pay my benefits. What should I do?

Posted by Nancy Cavey

in Uncategorized

My long term disability/ERISA carrier is taking forever to tell me if they will pay my benefits. What should I do? Call Nancy Cavey at 727-894-3188 immediately. Your long term disability/ERISA carrier is required by Federal regulation to issue a decision on your claim is a timely manner. Nancy Cavey, a Florida based nationwide long term disability lawyer, can determine whether your long term disability carrier has violated the federal regulations....

01 November

0 Comments

Sticky

Is there any benefit to me to have a long term disability/ERISA attorney represent me in my long term disability/ERISA claim?

Posted by Nancy Cavey

in Uncategorized

Is there any benefit to me to have a long term disability/ERISA attorney represent me in my long term disability/ERISA claim? There are lots of reasons you should have Cavey and Barrett represent you in your long term disability/ERISA claim. We help you even before you file for disability by gathering your medical records, making sure your doctor supports your claim, help you filel out Activitiies of Daily Living Forms, and help your doctor fill out your disability forms correctly. Nancy Cavey will help take the burden of dealing with the disability carrier from you and ...

01 November

0 Comments

Sticky

What written material does the Long term Disability/ERISA carrier look at when they decide if they are going to pay my long term disability benefts?

Posted by Nancy Cavey

in Uncategorized

What written material does the Long term Disability/ERISA carrier look at when they decide if they are going to pay my long term disability benefts? The long term disability/ERISA carrier will look at your medical records, your job descrition and other material they get from your employmer, statements that you make on your Activities of Daily Living forms and even surveillance they have taken of you. You can make sure that your file is complete by contacting long term disability/ERISA attorney Nancy Cavey. Nancy, who is based in St. Petersburg, Florida, represents long term disability applicants...

01 November

0 Comments

Sticky

Does Florida state law affect my personal private (non-ERISA) disability claim?

Posted by Nancy Cavey

in Uncategorized

Does Florida state law affect my personal private (non-ERISA) disability claim? Every state, including Florida, has laws that goven personal private (non-ERISA) disability policies. In Florida, you can seek punitive damages if your disability insurance carrier handle your claim in bad faith. Florida law requires that you placed the disability carrier on notice of their bad faith and give them an opportunity to "correct" their bad claims handling before you can sue them for punitive damages. Attorney Nancy Cavey specializes in long-term disability claims and can guide you through the complex claims process. She has personal...

01 November

0 Comments

Sticky

Is there a “treating doctor” rule in long term disabilty/ERISA cases that says my long term disability insurance company has to accept the opinons of my doctor?

Posted by Nancy Cavey

in Uncategorized

Is there a "treating doctor" rule in long term disabilty/ERISA cases that says my long term disability insurance company has to accept the opinons of my doctor? The United States Supreme Court has said "No!" Unlike Social Security, there is no treating doctor rule in long term disability/ERISA cases. In Black and Decker v. Nord, the court said the long term disability/ERISA carrier does not have to give greater weight to the opinions of your doctor than the insurance company doctors. That does not mean your doctor's opinion does not count. At Cavey and Barrett,...

01 November

0 Comments

Sticky

Is there a difference between short term and long term disability benefits?

Posted by Nancy Cavey

in Uncategorized

Is there a difference between short term and long term disability benefits? Absolutely. It is lke the difference between night and day! Short term disability is just like it sounds. Short term disability benefits provide income replacement for a short period of time. This policy generally provides partial income replacement for about 6 months. What happens after that? If you have purchased long term disability, your may be eligible for long term disability benefits once you have been paid all the short term disability benefits that you are owed. The change from short term disability to long ...

01 November

0 Comments

Sticky

I paid my premium for long term disability benefits all these years. Now that I need those benefits, will the long term disability carrier pay my long term disability/ERSIA benefits?

Posted by Nancy Cavey

in Uncategorized

I paid my premium for long term disability benefits all these years. Now that I need those benefits, will the long term disability carrier pay my long term disability/ERSIA benefits? Maybe! There are good and bad long term disability carriers. Any long term disability insurance or ERISA carrier will require you to show evidence that you have a medical condition covered by the policy and overwhelming evidence you are disabled and evidence that shows there is a connections between what is wrong with you and your inability to work. Just because your doctor says you can't...

01 November

0 Comments

Sticky

Will the long term disabiility/ERISA insurance company contact my co-workers, family members, or neighbors?

Posted by Nancy Cavey

in Uncategorized

Will the long term disabiility/ERISA insurance company contact my co-workers, family members, or neighbors? Without a doubt! The disability insurance carrier will start by talking with your employer to get your job description and information about your job performance. They want to see if you stopped working because of problems with your job or ou supervisor. Next on the list is family members and your neighbors. This can be very problematic. Your family members might say something that unintnetionally hurts your insurance disability claim and your neighbors just might say something intentionally to hurt your...