25 October

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Guardian Life Insurance Company Increases its Long Term Disability Benefits

The Guardian Life Insurance Company recently announced in April 2010 that they have reduced premiums for its Short Term Disability and Long Term Disability choice plans. They’ve raised the maximum Short Term Disability benefits to $1,500, and the maximum Long Term Disability benefits from $2,500 to $10,000. Despite reducing the premiums and increasing its coverage, purchasing disability insurance company can be difficult. Maybe people are attracted simply by the price of what they perceive the benefits to be if they become disabled. Reading the fine print in the Short or Long Term Disability policy is crucial. You can be robbed of...

25 October

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Sleep Apnea and the MS Patient’s Claim for Long Term Disability Benefits

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If you suffer from MS and are having difficulty with your long term disability claim, Nancy Cavey, experienced long term disability MS attorney, suggests that part of the problem you might be having is your failure to fully explain all the problems that you have as a result of your MS. This can include difficulty walking, balance and coordination. However, obstructive sleep apnea is a common sleep disorder among people with MS. Many people with MS also have bladder problems, which means that there are in and out of bed frequently. They may also have restless limp syndrome, or periodic limb...

25 October

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Estate Planning for the Long Term Disability Claimant

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At The Law Offices of Nancy L. Cavey, we urge our clients who are disabled because of their chronic condition to consider consulting with an estate planning attorney. Why? If you, for example have a chronic illness such as MS, Parkinson’s or even Alzheimer’s, you must have a plan and legal protections in place to protect you. This can include: 1. Designating someone you trust to handle financial matters, if you are unable to manage your own affairs. 2. Selecting someone you trust to make healthcare decisions for you. 3. Communicating your health care wishes via a living will. 4. Have a will. 5. Creating...

25 October

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Cognitive Problems and Your MS Disability Claim

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Cognitive problems can be devastating and impact your ability to function in the workplace. Unfortunately, many disability carriers don’t appreciate the cognitive problems that can be caused by MS. It’s vital that all of your symptoms of MS, including cognitive problems be fully explained in your medical records and documented in your activity of daily living forms you are requested to complete by the disability insurance company. Nancy Cavey, MS disability attorney, has written a free information guide on “23 Mistakes You Can Make When Preparing for Your Long Term Disability Statement and Field Visit.” If you are having cognitive problems,...

25 October

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Disability Claims and the Side Effects of Medication

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It is not uncommon for disability insurance companies to cherry pick medical records and pick out on the medical records those things which they believe supports a delay or disability claims denial. At The Law Offices of Nancy L. Cavey, your Florida disability attorneys, we think it’s important that your medical records document any side effects that you are having with medication and their impact on your functioning. If, for example, you are a surgeon and you are having side effects from a cardiac medication you are taking for your cardiac disease, the side effects of the medication alone can limit...

25 October

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Court Rejects Reduction of Florida First Responder’s Wage Loss Benefits By Receipt of Pension

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If a first responder has a permanent impairment rating of at least 20% after having reached maximum medical improvement, the first responder might be entitled to Florida workers compensation supplemental wage loss benefits. These are very valuable money benefits and, depending on your average weekly wage and compensation rate, could be in excess of $100,000. The City of Miami Beach attempted to reduce those benefits by the receipt of a pension in the case of Wilder v. City of Miami Beach, 33 FLW D2436 (October 24, 2008) The First District Court of Appeal said “No!” F.S. 440.15(3)(b)1 says that a Florida first...

25 October

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Is Your Long Term Disability Carrier Threatening to Cut Off Your Benefits If You Don’t Apply for Social Security Disability?

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A long term disability carrier will normally provide you with a “legal representative” that they hire. Did you know that the representative might not be an attorney; they might be a part of a nationwide company? The long term disability company is going to entice you to use their representative, with the suggestion that this is a “free benefit” of your long term disability benefit. Your long term disability insurance company isn’t telling you the truth. Are you surprised? You probably don’t realize that there is a clause in the long term disability policy that says if you are approved for...

25 October

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Blockbuster Decision by the Florida Supreme Court on Workers’ Compensation Attorneys Fees

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The Florida Supreme Court entered a blockbuster decision on October 23, 2008 on the Florida workers’ compensation attorney’s fees provisions of the 2003 Florida workers’ compensation statute in Emma Murray v. Mariner Health, 33 Fla. L. Weekly S845. Click to read the decision. The decision is important to all Florida first responders! The Florida legislature amended the attorney fee provisions of 440.34 five years ago and tried to limit the payment of the workers’ compensation attorneys. Florida workers compensation attorneys, like Nancy Cavey, were paid attorneys fees if they successfully obtained workers’ compensation benefits at the expense of the Florida workers’...

25 October

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How MUCH Time Does A Florida First Responder NEED to Miss to Be Disabled For Presumption Purposes?

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Just because you are covered by the Florida Heart and Lung Act, does not mean you get benefits. You have to be disabled! OK, but HOW long do you have to be out to meet the disability standard? In an awful decision in Bivens v. City of Lakeland, 33 Fla.L. Weekly D2342b (October 2, 2008), the First District noted that “disability occurs only when the employee becomes actually incapacitated, partially or totally, from performing his employment.” A finding of “disability hinges solely on the employee’s ability to earn incomes, not upon other factors such as whether the employee has experienced a...

25 October

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Essential Hypertension is NOT Covered by the Heart and Lung Presumption

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In an awful decision, Bivens v. City of Lakeland, 33 Fla. L. Weekly D2342b (October 2, 2008), firefighter Bivens claimed workers’ compensation benefits arguing that his hypertension was a covered condition under the statutory provisions of section 112.18(1). The First District ruled that essential hypertension was not a form of hypertension covered by Section 112.18(1). Only “hypertensive conditions that are arterial or cardiovascular hypertension” are covered by the Heart and Lung Presumption. In future posts I will explain the difference between essential, arterial or cardiovascular hypertension. The new line of defense to First Responder workers compensation claims will be to deny claims on...