If You Are a Floridian who suffers from diabetes, You might be Entitled to Long Term Disability Benefits

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According to report from US News, the southeastern United States has the highest rate of diabetes. According to the Center for Disease Control and Prevention (CDC), parts of Florida have a high incidence of diabetes.

Unfortunately, if you’ve been diagnosed with diabetes, you may also suffer from complications such as tingling or numbness of your toes or hands or the loss of sensation in your extremities. You might have diabeticDiabetes Long Term Disability neuropathy or your diabetes may have impacted other organs.

Diabetes and it’s complications may have led your doctor to tell you that you are no longer able to work.

If you have purchased an individual or ERISA long term disability policy and your doctor has told you that you are unable to work, you should apply for your long term disability benefits. If your benefits are delayed or denied, diabetes disability attorney Nancy Cavey can help you cut through carrier delay and help you get the benefits that you deserve. It doesn’t matter what part of the state of Florida that you live in, contact disability attorney Nancy Cavey to learn more about your rights to your disability benefits.

 

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The Secret to Getting Your Long Term Disability Benefits as a Result of Hearing Loss

Hearing loss has many causes, these can include:

  1. Heart disease
  2. Family history of hearing loss
  3. Working in a noisy environment

Hearing loss effects more than just your ability to hear, it can limit your inability to interact with family friends and co-workers. If you have a long term disability policy and suffer hearing loss, you should apply for disability benefits. While it’s not uncommon for disability carriers to provide benefits while you are going through a treatment, including cochlear implants, don’t be surprised if the long term disability carrier deniesHearing Loss Long Term Disability benefits after your cochlear implant on the basis that you will be able to work in an “accommodated” work setting.

That’s not the standard of disability in most policies; the standard is your inability to perform the material and substantial duties of your occupation or any occupation. The word accommodation isn’t seen anywhere in a definition of disability.

Don’t let a long term disability carrier wrongfully deny your disability benefits for hearing loss by saying that you can “be accommodated” by a return to work.

Have a Hearing Loss Long Term Disability Claim?

If your claim for disability benefits as a result of hearing loss has been denied contact Nancy Cavey cochlear implant disability attorney who can help you fight for your benefits no matter where you live in the United States.

 

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Your Chances of Suffering a Heart Attack from Working Long Hours

A recent report from CNN Health reveals that in a new study, working longer hours can increase a persons chance of suffering a heart attack. This study found that those who work 11 hours or more each day had an increased risk of suffering a heart attack or dying of heart disease by as much as 67%.

Those who work 10 to 11 a day have a 45% increased risk compared to an American worker who works the typical 7 to 8 hour workday.Heart Attack Disability Policy

If you have had a heart attack and are a long term disability policy holder, you may be entitled to long term disability benefits. To learn if you qualify for long term disability benefits, or if you’ve been denied your long term disability benefits, you should consult with a Pinellas/Hillsborough County long term disability attorney, Nancy Cavey, she can help you cut through the red tape and fight for your benefits no matter where you live in the United States. Call today at 727-8943188

 

What’s an elimination period in a long term disability policies?

What’s an elimination period in a long term disability policies?

An elimination period is the amount of time you have to wait before you benefits kick in.

Did you know that the typical elimination or waiting period for most long term disability policies in 90 days.

That means that you better have an emergency fund that will tide you over so that you will be able to pay your bills and maintain your lifestyle during this elimination period.

Need help with your Elimination period in your Long Term disability claim? Contact us today for more information on your options with your policy. 727-894-3188.

 

Is Your Financial Future Vulnerable Because You Bought the Wrong Long Term Disability Policy

Many physicians, lawyers and accountants think that because they have a group long term disability policy through their employer, they don’t need to have an individual disability policy. That’s a big mistake that can jeopardize your financial future because:

  • Most group long term disability policies cover 60% of base income and, have a monthly benefit cap.

So, for example, you receive a great end of the year bonus, that bonus won’t be included in calculating your benefits. Worse yet, can you live off of 60% of your base income where your long term disability benefit is taxable.

It is possible that an individual long term disability policy to protect as much as 80-90% of your income through a combination of both long term disability and individual disability coverage.Wrong Long Term Disability Policy

  • Your employer provided an ERISA covered long term disability plan may use an any occupation definition of 24 months. At that point, the definition to require you to prove that you to be unable to do the material and substantial duties of any occupation based on your education, training and experience.

That’s an unacceptable definition of disability for any physician, attorney, or accountant. If your employer provided coverage has an any occupation definition followed by an own occupation definition, you should secure an individual disability policy that covers your own occupation.

  • Did you know that if you have an employer provided group long term disability, you can lose your retirement plan contributions if you become disabled. They are individual disability policies that are designed to protect on going retirement plan contributions if you become disabled.
  • While your current long term disability coverage is not probably coverage that you could take with you if you left your current employment, you own and control an individual long term disability policy.
  • Your employer group long term disability policy may provide for a reduction of your long term disability benefits by the receipt of any Social Security Disability benefits that you or your dependents receive. Some plans will even reduce your long term disability benefit by the receipt of 401k distributions or even a buyout of your practice.

Unfortunately, many professionals don’t think about these concerns when buying a disability policy. They are swayed by the gross amount of the benefit and don’t consider these issues.

While group long term disability benefits have it’s place, we recommend that every professional have an individual disability policy tailored to their personal situation. Will it cost more? Absolutely. What you are buying is peace of mind and your families financial well being.

How Much Long Term Disability Coverage Should I Have?

How Much Long Term Disability Coverage Should I Have?

The starting point for determining the amount of long term disability coverage that you should have is based on how much it would cost to maintain your families current standard of living. So, if your monthly budget is $3,000 per month, you want to have at least $3,000 in long term disability coverage so that you can maintain your families lifestyle if you become disabled.

Have a question about your Long Term Disability policy or coverage? Give us a call today at 727-894-3188.

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Who Is Watching Your Child Infographic

Below you will find a cool infographic about how daycare type businesses deal with watching your kids from Arizona Personal Injury Lawyer Alexis and Mark Breyer of the Breyer Law Offices. It takes a very scary concept it makes it easier to understand. With back to school approaching, make sure you know who is watching your kids.

 

The Correct Way to Apply for Social Security Disability Benefits if you Suffer from Chronic Pain

Every Social Security Disability claim is evaluated using the five step sequential evaluation. If you are a chronic pain sufferer, you should apply for Social Security Disability benefits, but you should also understand how the Social Security Administration is going to evaluate your file.

The most important parts of the five step sequential evaluation are steps three, four and five. At step three the Social Security Administration will determine whether or not your medical condition meets a medical listing of impairments. Unfortunately, there is not medical listing for chronic pain. For that reason, social Security Disability applicants with chronic pain are evaluated at steps four and five of the five step sequential evaluation which are called medical and vocational allowance.

At step four, the Social Security Disability applicant who has chronic pain has to show that their condition prevents them from returning to the lightest job that they have held inChronic Pain Social Security Disability the last fifteen years.

If he meets the criteria at step four, the burden then shifts to the Social Security Administration that you unable to engage in any other form of suitable employment based on your age, education and transferable skills.

A Social Security Disability applicant with chronic pain may have a number of medical conditions that are causing that pain but what is important is developing the effects of pain. That will include both consideration of the physical impact of your pain and the emotional impact of your pain.

It is important that your medical records show that the pain may impact: climbing, kneeling, balancing, bending, stooping, crawling, fingering, feeling, carrying, lifting, standing, walking and sitting.

You should be telling your physician concrete every day examples and difficulties that you are having. So, for example, if you can’t stand at the sink and wash dishes, bend over to put laundry in the dryer or, make a bed or have difficultly walking in a grocery store, that’s concrete examples of the impact of your pain on your physical functioning.

Pain also can cause you to have psychological or emotional issues that effect your ability to:

-          Work under supervision

-          Work with coworkers

-          Maintain attention and concentration

-          Learn and obtain new information

It is crucial that your medical records document these problems.

At Cavey and Barrett, a Chronic Pain Social Security Disability firm, we believe that it is important that you keep a pain diary and that diary explains how your pain interferes on a daily basis with your activities of daily living. You may have difficulty getting in and out of bed, putting your shoes and socks on, taking a shower, you name it. You should keep a copy of this document and make sure that you give it to your doctor at every visit, that’s what’s called an interval update.

Social Security Disability applicants with chronic pain can be awarded Social Security Disability benefits if their medical records are developed and create a total picture of how pain interferes with your ability to function.

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Why Every Physician Should Make the Purchase of Having a Disability Insurance Policy Their Immediate Priority

Did you know that statistics show that 70% of Americans have no disability insurance coverage at all. In fact, 3 and 10 Americans become disabled at some point before they retire. And even more frightening is that 60% of all personal bankruptcies are filed as a result of an inability to pay for medical expenses for loss of the ability to work. As a physician, you may think that you are too busy to deal with a disability insurance agent or that there is any value in having a long term disability policy. Well, doctor, I hate to tell you that you should take the time to protect not only your income, but your families security.

Let’s be frank, you might not have the time or the expertise to learn about disability insurance benefits- consider this an exercise in “continuing medical education”.Physician Insurance Policy Attorney

Many physician groups have a practice administrator who is primarily responsible for managing the personal and business affairs of your practice. Your administrator is a gatekeeper and while that may be great for your practice, it may not be so great when you evaluate disability policies. You should consult with an individual disability insurance agent and be prepared to spend some time to learn about:

  1. Contract provisions that meet your unique professional needs so that, for example, you have a specialty/sub-specialty definition of disability in your policy.
  2. You have policy terms that favorably determine your pre-disability monthly income so that if you become disabled there is a proper calculation of the base amount of benefits.
  3. Policy benefits that meet your financial needs without any offsets or reductions, buyouts of your practices.

These are just few of the things that you should be prepared to discuss with your individual disability agent in making this important decision.

You wouldn’t want to leave your family without a source of income if you became disabled and unable to practice medicine. If you are a physician looking for the right attorney to handle and help you with your disability insurance policy, give us a call today.

The Truth About How Long Term Disability Carriers Try to Clean Up Their Books

Unfortunately, many long term disability carriers try to clean up their books every quarter just before they have to make quarterly reports to their share holders. It’s not uncommon for many long term disability policy holders to get letters stating that their long term disability benefits were denied or terminated.

If you’ve been denied long term disability benefits in Virginia or your benefits were terminate, the clock is ticking. You have 180 days to appeal the insurance companies decision to deny or terminate your benefits andInsurance Carrier Book Records many long term disability carriers are waiting for that clock to run out hoping that you won’t appeal.

Do I need a lawyer? The appeal is the crucial part of the disability claims process and if you don’t have the assistance of an experience long term disability attorney, you are handicapping your chances of winning your appeal if you end up in litigation.

Why? If you have purchased your policy through your employer, it’s more likely covered by the Employee Retirement Income Security Act (ERISA). In the ERISA world a federal judge will review the information that you submitted during your appeal to decide whether or not your claim has merit. If you don’t know how to properly appeal your ERISA denial or termination, you are putting yourself behind the eight ball. To learn more about how long term disability carriers rob you of your peace of mind, you can order your free, no obligation copy of Robbed of Your Peace of Mind.

 

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We represent clients all over Florida including: Tampa, St. Petersburg, Sarasota, Bradenton, Venice, Ft. Myers, Naples, Orlando, Lakeland, Gainesville, Daytona, West Palm Beach, Ft. Lauderdale, Miami, Miami Beach, Jacksonville, Tallahassee, New Port Richey, Hudson, Safety Harbor, Largo, Palm Harbor, Port Richey, Clearwater, Indian Rocks Beach, Dunedin, Spring Hill, Brooksville, and all other cities in Florida.

If you or someone you know has been effected by a hour and wage claim, disability or social security claim in Florida, do not hesitate to Contact Us before you speak with an insurance company. There is no obligation to hire a lawyer and the consultation is FREE.

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