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What medical conditions are considerd disabling?

What medical conditions are considerd disabling? It is important that you understand how your disability insurance provider defines "disability." For some insurance carriers "disability" means that you are unable to perform your "own occupation." While other carriers define it as the inability to perform "any occupation." The burden is generally on you to prove that you cannot perform your "own occupation." It is also important for you to understand that policies change definitions after you have been recieving benefits for a fixed period of time. At Cavey and Barrett we will review your disability policy...

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If my Long Term Disability claim is approved how much will I receive?

If my Long Term Disability claim is approved how much will I receive? You have to read your policy because that will tell you the percentage of the salary that you will receive. The fine print in the policy will tell you how your benefits are calculated and will probably have an offset provision that will reduce our benefits by the receipt of any other benefits paid to you. This can include Social Security benefits paid not only to you but to your dependents. It can include other government disability benefits such as Railroad Workers’...

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Can I collect Long Term Disability Benefits for Multiple Sclerosis?

Can I collect Long Term Disability Benefits for Multiple Sclerosis? While every long term/ERSIA disability policy is different, most polcies do cover multiple sclerosis if you can prove your are disabled from performing your own occupation. You will also probably be elgible for Social Security Disability benefits for your multiple sclerosis. If you have been denied long term disability or social security disability for multiple sclerosis, immediately contact Tampa Bay disability attorney Nancy Cavey. If you do not file your appeals timley, you can lose your rights to long term disability and Social Security. Answering these...

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Can I Refuse to Attend a Neuropsychological Exam Scheduled By My Long Term Disability Carrier?

Can I Refuse to Attend a Neuropsychological Exam Scheduled By My Long Term Disability Carrier? If a long-term disability carrier is scheduling you for a neuropsychological exam, I strongly suggest that you contact a long term attorney like Nancy Cavey immediately! Tampa Bay disability attorney Nancy Cavey is familiar with the neuropsychologists routinely used by long-term disability carriers to deny claim and the games the neuropsychologists will play during the examinatioin! We won’t ever refuse an exam, but there are a number of things that can be done to protect your interests. These include: (1)...

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If I am disabled and collecting long-term disability, will that impact my financial planning?

If I am disabled and collecting long-term disability, will that impact my financial planning? Absolutely! Your disability can impact your financial planning. Your savings can be depleted and you may have to ask family members for loans. At Cavey & Barrett we assist our Long-Term Disability/ERISA clients in dealing with the challenges they confront in the disability claims process. These questions include: (1) What are my benefits when I'm going to start working? (2) How do I file for Social Security? (3) Should I COBRA my health coverage? (4) Do I have alternative sources of healthcare?...

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I have filed my application for long terrm disability benefits. How long will the long term disability insurance company take to tell me if they are going to pay my long term disability insurance benefits?

I have filed my application for long terrm disability benefits. How long will the long term disability insurance company take to tell me if they are going to pay my long term disability insurance benefits? The rule of thumb is 3 months! The long term disability carrier will get your medical records, contact your employer and do an investiagtion to determine if you meet the long term disability insurance policy requirements. If you have a medicall complex claim or your medical records don't support your claim, the long term disability insurance company may contact your doctor....

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What Should I Do If My Doctor Refuses to Fill Out the Long Term Disability Insurance Medical forms?

Change doctors! Sorry, but your doctor may be the best doctor in the world but if your doctor won't file out the Long Term disability insurance medical forms, you will most likely NOT get paid your disability benefits. Before you apply for long term disability/ERISA disability benefits, Nancy Cavey, a long term disability claims lawyer in Florida, suggests you get  a copy of your doctor's records and see what is in those records about your complaints, your symptoms and your ability to do your job. If those records don't support your claim you will have a problem with your disability claim. Make sure...

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Can I refuse to attend a neuropsychological exam at a long-term disability carrier?

Can I refuse to attend a neuropsychological exam at a long-term disability carrier? If a long-term disability carrier is scheduling you for a neuropsychological exam, I strongly suggest that you contact a long term disability attorney like Nancy Cavey immediately! Nancy Cavey is familiar with the neuropsychologists routinely used by long-term disability carriers. We won’t ever refuse an exam, but there are a number of things that can be done to protect your interests. These include: (1) obtaining your own neuropsychological exam before attending the long-term disability carrier’s neuropsychological exam (2) videotaping the independent medical examination (3)...

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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...

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