Free Consumer Reports

  • Long Term Disability Guide

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

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  • Hiring a Great Long Term Disability Attorney

    The Key To Hiring The Right Long Term Disability Attorney

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

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  • Social Security Disability Guide

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

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What Does The Term “Disability” Mean In My Disability?

Written By: Nancy L. Cavey
what does disability mean

There is no uniform definition of disability. You have to get your policy and review it closely. Disability is one of the most litigated policy terms because when you file a claim for disability, the insurer has to determine if …

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More Bad News About The Delay In Social Security Hearings

Written By: Nancy L. Cavey
social security disability hearing delays

The time for Social Security Disability hearings gets longer. The Social Security Administration doesn’t always make it easy for those who are disabled to get the Social Security benefits they deserve. It’s not uncommon for initial applications, and even requests …

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Do I Have To Cooperate During A Functional Capacity Evaluation In A Long Term Disability Claim?

Written By: Nancy L. Cavey
FCE and IME disability long term disability

Disability policies generally require policy holders who apply for disability benefits to undergo an Independent Medical Evaluation or even a Functional Capacity Evaluation. If your policy allows for these and you’ve been requested to undergo such an examination, you have …

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What You Need To Know About A.L.S. And Your Claim For Long Term Disability Benefits

Written By: Nancy L. Cavey
als long term disability

You may have purchased a long term disability policy through your employer, or on your own, to provide you and your family peace of mind if you became disabled. Unfortunately, long term disability carriers don=t always make it easy for …

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What Sort Of Medical Treatment Will Trigger A Pre-Existing Condition Exclusion In An Erisa Governed Disability Plan?

Written By: Nancy L. Cavey
pre existing disability ERISA

Many disability plans will have a pre-existing condition clause that prohibit the payment of LTD benefits, if you received medical treatment for a specific period of time before the start of the disability. For example, in the case of Kutten …

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Am I Entitled To Attorneys Fees At The Expense Of The Disability Carrier If They Paid Benefits After A Lawsuit Is Filed?

Written By: Nancy L. Cavey
attorney fees long term disability carrier

If you purchased your disability policy through your employer, your policy is covered under the ERISA law. The disability carrier has the discretion to pay your benefits and, many times, will improperly deny legitimate disability claims. Sometimes filing a lawsuit …

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What Every LTD Policy Holder Needs To Know About Overpayment Of Benefits

Written By: Nancy L. Cavey
ltd policy overpayment benefits

Many long term disability policies have a policy provision that reduces the amount of long term disability benefits by “other income.” If a long term disability carrier begins making disability payments, they will offer the policy holder the option to: …

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What Is Overpayment Of Long Term Disability Benefits?

Written By: Nancy L. Cavey
overpayment long term disability benefits

Many long term disability policies will deduct from your disability benefits any money you might receive for: • Social Security Disability benefits, • Dependent benefits, • Workers’ Compensation, or • Proceeds of a third party settlement arising out of an …

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Why Every Long Term Disability Policy Holder Should Hire Their Own Social Security Disability Attorney To Assist Them In Getting Social Security Disability Benefits

Written By: Nancy L. Cavey
hiring a social security lawyer LTD claim

Most long term disability policies will pay full long term disability benefits, but subtract from those benefits other income benefits, such as Social Security Disability benefits. The Games the Representative Company Plays with Long Term Disability Often, the disability insurance …

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The Four Reasons Long-Term Care Insurance Gets Overlooked In The Estate Planning Process

Written By: Nancy L. Cavey
long term care attorney tampa

One of the most commonly overlooked areas in estate planning is deciding whether you should purchase long-term care insurance. Four Reasons Why Long-Term Care Insurance Gets Forgotten Long-term care insurance is the only way to prepare for the future and …

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