28 October

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Why Can’t My Doctor Simply Write a Letter Saying I am Disabled so that the Social Security Administration will Immediately Pay my Benefits?

Unfortunately, a lot of the Social Security Disability applicants ask their doctor to write a note saying that they are totally disabled and unable to work. The Social Security Administration simply isn’t going to except a note from your doctor stating that you are totally disabled. Why not? The Social Security Disability process consists of five steps which are outlined in The Law Offices of Nancy L. Cavey free consumer guide “Your Rights to Social Security Disability Benefits.” We believe that before you apply for Social Security Disability benefits you should make sure that your doctor supports your decision to file...

28 October

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Early Onset Alzheimer’s and Your Rights to Social Security Disability Benefits

Posted by Nancy Cavey

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The early onset of Alzheimer’s disease and other dementias are devastating. These diseases progress rapidly and impact Americans between the age of 50 to 65. People don’t recover from these diseases yet the Social Security Administration has never fast tracked early onset of Alzheimer’s. In October of 2008 the Social Security Administration began a compassionate allowance program. This provides for the quick processing of disability claims for Social Security Disability applicants with medical conditions that are so severe by definition that they would be entitled to Social Security benefits. You can learn more about the Social Security compassionate allowance program at http://www.socialsecurity.gov/compassionateallowances. Commissioner...

28 October

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What You Need to Know about Reflex Sympathetic Dystrophy and Your Social Security Disability Claim

Posted by Nancy Cavey

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Do you have a claim for Social Security Disability and suffer from Reflex Sympathetic Dystrophy (RSD) ? Reflex sympathetic dystrophy (RSD) is a painful condition that usually affects the upper or lower extremities. Reflex sympathetic dystrophy pain is severe, burning, sharp and the effected area are extremely sensitive to touch or even temperature changes with the skin turning blue. This is a progressive disease, which means you must have aggressive and early treatment to stop or slow the progression of the disease process. Pain specialists can provide medication that can even block the nerves that interrupt the pain signals reducing your pain...

28 October

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If You Don’t Know How to Choose the Right Social Security Attorney You’ll Hate Yourself Later When Your Social Security Disability Claim is Denied

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You need to work closely with a Social Security Disability attorney to get the Social Security Disability benefits you are entitled to. But, before you hire a lawyer you need to know how to choose the right lawyer for your Social Security Disability case. If you don’t, you’ll hate yourself later and you’ll lose your claim. The Law Offices of Nancy L. Cavey suggest that you do the following things: 1. Look at the lawyers website to determine whether there is helpful information about the Social Security Disability claims process. Does this website educate you or is all about the lawyer? 2. When...

28 October

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Florida UNUM Disability Facts | Tampa Bay UNUM Disability Denial Lawyers

Posted by Nancy Cavey

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UNUM, one of the largest short and long term disability insurance companies in the United States, knows that "the average age of a UNUM disability applicant is 45." Harris Interactive notes that "only 5% of baby boomers realize they have a 1-3 chance of becoming disabled during their working years." Many UNUM disability policy holders buy UNUM short and long term disability coverage to "replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bills." Unfortunately, The Law Offices of Nancy L. Cavey, your UNUM Disability Denial Lawyers, know all to...

28 October

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Florida Hartford Disability Insurance Claim Denial Attorney | St. Petersburg

Posted by Nancy Cavey

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If you are a Hartford disabiilty insurance policy holder and you are thinking about filing a short or long term disability claim, you should contact Hartford disability benefits denied lawyer, Nancy Cavey, based in St. Petersburg, Florida. She helps Hartford disability policy holders who have been wrongfully denied their disability benefits and has written a free consumer guide about long term disabiity polices and claims. Avoid making a mistake in your claim! If you need to contact Hartford Disability to file a claim, their address is: Group Benefits The Hartford P.O. Box 2999 Hartford, CT 06104-2999 They can be reached by phone: For Group Life, Disability, and...

28 October

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The Long Term Disability Adjuster Wants to Take My Statement or Come To My House! How Can I Protect Myself?

Posted by Nancy Cavey

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Quite frankly, if the a long-term disability or ERISA carrier calls and askes to take your statement or arrange a field visit you are in trouble! In my experience, disability claims are denied, generally, for three reasons: 1. No objective evidence of your diagnosis; 2. No objective evidence of your disability; 3. No evidence of causal relationship between your disability and your inability to engage in your own occupation or any occupation. The long-term disability or ERISA carrier wants to take your statement or arrange a field visit because they question what your doctor says about your restrictions and limitations and what you are reporting...

28 October

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Long Term Disability Applicants Must Apply for Social Security Disability Benefits

Posted by Nancy Cavey

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UNUM, the nation’s largest disability insurance company, routinely requires long-term disability applicants to apply for Social Security Disability benefits, regardless of whether the applicant is really entitled to Social Security benefits. Why do they do that? Because most long-term disability policies have a provision that allows them to reduce your long-term disability benefits by the amount of any Social Security disability benefits you may receive. If you do not apply, companies like UNUM take the position that you are getting Social Security benefits, and will automatically reduce your long-term disability benefits. UNUM processed “almost 4000 disability claims in 2007, and paid...

28 October

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Dentists and Disability Insurance Florida Disability Issues

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How much is your peace of mind worth to you and your family? If you become disabled and are unable to work, dental disability insurance is essential to help you maintain your current practice and your lifestyle. According to a recent survey, nearly half of one million people who filed for bankruptcy in the United States did so because of an illness or an injury. If you’re involved in a car accident, suffer a sports injury, or have any other painful condition, you may be unable to continue your practice and be forced to close or even sell your practice. It’s essential...

28 October

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What Every Medical Professional Needs to Know About ERISA Disability

Posted by Nancy Cavey

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It is important that medical professionals understand their long-term disability policy so they can prevent the disaster of being disabled and being unable to recover the benefits they deserve. Did you know that there are three types of disability policies? Do you know which kind you have? The first is an individual disability policy, which you may have purchased directly from a carrier and which provides you long-term disability benefits in the event of sickness or injury. Do you know that there are two types of individual policies? The first is a general policy that insures you against being disabled and being able...