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Long Term Disability Insurance Company Peer Review Scams

Long Term Disability carriers only need a reason to deny your disability benefits and, the way they get that reason is to send your file to a handpicked peer review doctor. They will use firms that are set up all over the United States who have recruited doctors to review your medical records and write a report. Guess who’s making the money! First, it’s the peer review or company who hires these peer review doctors and ostensibly, trains them. They are trained to never use the work “disabled” and to always determine that the claimant is capable of working in...

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Own Occupation Claim for Long Term Disability Benefits and Fibromyalgia

Your Long Term Disability policy may provide that you are entitled to disability benefits if you are unable to engage in your own occupation. It is important that you first understand how the Long Term Disability carrier defines “own occupation.” The Long Term Disability carrier may define your “own occupation” as the occupation you are performing for your employer, the occupation as it is performed in the local economy or the occupation as it is performed in the national economy. Note that we are not talking about a new way to do your job or how the job is performed...

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

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...

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Lupus and Benlysda: Short and Long Term Disability

If you are a short term or long term disability recipient who suffers from Lupus, there is new drug, Benlysta, specifically designed to treat lupus. It is expected to receive FDA approval this year but it is very expensive. Local Rheumatologist, Dr. Michael Burnette of the Tampa Medical Group has been working with Benlysta as part of the clinical trial for the last five years. In a recent article in St. Petersburg Times on April 29th, 2010, he explained that Benlysda works by "suppressing the part of the immune system associated with Lupus". Research by GlaxoSmithKline has found that Benlysta can...

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Dr. Mahwar and Your Long Term Disability Claim

Have you ever heard of Dr. Suresh Mahwar, an internist in Freemont, California? If you are a Long Term Disability claimant, beware because he moonlights by reviewing disability claims for a company called “University Disability Consortium” who is hired by Long Term Disability carriers to provide peer reviewed medical reports. Long Term Disability carriers do this because they need a “legitimate” reason to deny your claim. They routinely will pick organizations such as University Disability Consortium to hire doctors like Dr. Mahwar who rarely disagrees with the Long Term Disability carrier’s decision to deny benefits. In an article by Evan George,...

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Claims Denials Based On a Misunderstanding of My Job Description

If you are Long Term Disability policy holder in what is called the own occupation stage, the Long Term Disability carrier will get information from your employer about your job description and job duties, if your policy requires the Long Term Disability carrier to use the description of your job is as preformed in the national economy, the Long Term Disability carrier will go to the book call the Dictionary of Occupational Titles and get the job duties as the position is preformed in the national economy. Unfortunately, Long Term Disability denied attorney Nancy Cavey often finds that the Long Term...

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Functional Capacity Evaluation and Chronic Fatigue Syndrome Long Term Disability Recipients

If you are a suffer of Chronic Fatigue Syndrome or Fibromyalgia and have been scheduled for a Functional Capacity Evaluation, beware! You are being set up for a claims termination. Long Term Disability carriers hate Chronic Fatigue or Fibromyalgia claims because they feel that these are conditions based on “subjective complaints.” It is not uncommon in these cases for the Long Term Disability carrier to routinely have you fill out Activities of Daily Living Forms, look at what your physicians say about your Activities of Daily Living and use extensive surveillance to try and catch you doing something that is inconsistent...

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Has Your Long Term Disability Carrier Asked to Undergo a Functional Capacity Evaluation?

If you are a Long Term Disability applicant and your Long Term Disability carrier has asked for you to undergo a functional capacity evaluation you are being set up! It is not uncommon for Long Term Disability carriers to use Functional Capacity Evaluations to challenge your doctor’s opinions or your statements about your ability to function. While most Long Term Disability carriers have the right to such an evaluation, you should know that Long Term Disability carriers, such as CIGNA will routinely send instructions to the FCE provider about how to fill in the forms, how to interpret the data and...

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Games Played by the Long Term Disability Carriers in Chronic Fatigue and Fibromyalgia Claims

If you have been diagnosed with Chronic Fatigue Fibromyalgia and are receiving Long Term Disability benefits during your own occupation stage, be prepared to have your claim to be challenged and/or denied when the definition of disability changes from “own occupation” to “any occupation.” You will most likely receive a letter from your Long Term Disability carrier indicating that they are going to be reviewing your claim. What that means is that you are being set up for a claim’s denial. They will be contacting your doctor to determine your restrictions and limitations, they will schedule a functional capacity evaluation, place...

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Long Term Disability Claims and Chronic Fatigue Syndrome: Are You Really Disabled?

Chronic Fatigue Syndrome disability lawyer Nancy Cavey knows that a mere diagnosis of Chronic Fatigue Syndrome does not guarantee that you will get your Long Term Disability benefits. A Long Term Disability carrier who is evaluating a claim based on Chronic Fatigue Syndrome will look to see whether or not you have an impairment that makes you unable to perform the material and substantial duties of your own occupation. It is not uncommon for Long Term Disability carriers to acknowledge the diagnosis of Chronic Fatigue Syndrome that have a peer reviewed physician or independent medical review physician determine that you are still...

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