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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Opting Out Of A Social Security Disability Video Hearing

Written By: Nancy L. Cavey
social security video hearing

The Social Security Administration (SSA) uses video hearings to catch up on its backlog. However, having a video hearing isn’t always in the best interest of a Social Security Disability applicant because, many times, the Social Security decision is made …

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What Every Social Security Disability Recipient Needs To Know About Discharging Your Federal Student Loans As A Result Of Total And Permanent Disability

Written By: Nancy L. Cavey
social security disability student loan discharge

Federal Student Loans, including FFEL, Direct Loans and Perkins Loans are eligible for forgiveness if the student loan debtor is found to be “totally and permanently disabled” (TPD). The Department of Education is required to accept a Social Security Administration …

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Chronic Fatigue Syndrome Gets A New Name

Written By: Nancy L. Cavey
new name for chronic fatigue systemic exertional intolerance disease

The Institute of Medicine (IOM) has recommended a new name and new diagnostic criteria for Chronic Fatigue Syndrome. According to Institute of Medicine, the term, “Chronic Fatigue Syndrome can result in stigmatization and trivialization and should no longer be used …

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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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