Free Consumer Reports

  • Long Term Disability Guide

    Robbed of Your Peace of Mind? Your Guide to Long Term Disability Benefits

    View Details

  • Hiring a Great Long Term Disability Attorney

    The Key To Hiring The Right Long Term Disability Attorney

    View Details

  • #

    The Smart Long Term Disability Guide For Preparing Your Statement and Field Visit

    View Details

  • Social Security Disability Guide

    Your Rights To Social Security Disability Benefits - Your Guide to Getting Benefits Now

    View Details

How Do Long Term Disability Carriers Use Position Statements To Deny Fibromyalgia Claims?

Written By: Nancy L. Cavey
long term disability carriers position

Many long term disability carriers are in the business of collecting premiums and not paying benefits to fibromyalgia policy holders. Many long term disability carriers will deny fibromyalgia claims on the basis that fibromyalgia is largely based on self reported …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

Musculoskeletal Connective Tissue Disorders Are The Leading Cause Of Social Security Disability Awards

Written By: Nancy L. Cavey
Malignant Neoplastic Diseases

According to the Social Security annual statistical report on the Social Security program benefits were awarded to 960,260 disabled workers in 2012. The most common impairment was musculoskeletal system and connective tissue diseases which represented 35.4% of all disability awards. …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

Surviving Spouse Social Security Benefits For Same Sex Couples

Written By: Nancy L. Cavey
social security disability same sex couple

The Social Security Administration (SSA) issued rules on December 16, 2003 authorizing the processing and payment of some surviving spouse lump sum death benefits for same sex married couples. SSA has also begun to process claims for the spouses of …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

Are There Disability Plans That Are Not Governed By The Erisa Statute?

Written By: Nancy L. Cavey
erisa disability plans

The Employer Retirement Income Security Act of 1974 governs employee welfare benefit plans, including disability insurance plans. ERISA is not a plaintiff friendly statute and, fortunately, there are plans that are not governed by ERISA. These include plans by: • …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

How Can I Obtain A Copy Of My Disability Documents?

Written By: Nancy L. Cavey
disability documents

Your employer should be able to provide you with a copy of the summary plan of description (SPD) which provides you with a description of the benefits that you may be entitled to as a result of disability, the definition …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

Why The Definition Of Disability In Your Long Term Disability Policy Is So Important

Written By: Nancy L. Cavey
definition of disability

Long term disability carriers don’t make it easy for those who have disability policies get the benefits that they deserve. There are many important provisions in your disability policy including the definition of disability, duties and regular occupation. You should …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

Help! My Claim For Long Term Disability Benefits Has Been Denied

Written By: Nancy L. Cavey
disability help long term disability

If your disability benefits are covered under a group disability policy through your employer, your claim is probably governed by the ERISA statute. If your claim has been denied, the ERISA statute provides that you must file a claim within …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

What Is Erisa And Why Should I Care That My Long Term Disability Carrier Might Be Governed By Erisa?

Written By: Nancy L. Cavey
erisa lawyer disability tampa st petersburg

What you need to know about the claim forms ERISA is shorthand for the Employer Retirement Income Security Act of 1994. It’s Federal legislation that governs how insurance companies handle disability claims and it gives disability carriers a “get out …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

How Long Term Disability Carriers Will Use Functional Capacity Evaluations To Deny Your Claim

Written By: Nancy L. Cavey
long term disability insurance claims

Long term disability carriers play hardball on claims and one of the ways they play hardball is to have you undergo a functional capacity evaluation. Why? If the long term disability carrier can show that you’re capable of engaging at …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn

What Are The Five Reasons Disability Insurance Companies Wrongfully Deny Or Terminate Long Term Disability Benefits?

Written By: Nancy L. Cavey
5 reasons long term disability

If you purchased your disability policy through your employer the policy is most likely governed by the ERISA statute. The Employer Retirement Income Security Action (ERISA) of 1994 is Federal legislation that has given a “get of jail free card” …

Read more »

CONNECT WITH NANCY
G+-btn fb-btn