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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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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Cognitive Problems As A Result Of Multiple Sclerosis And Your Rights To Social Security Disability Benefits

Written By: Nancy L. Cavey
multiple sclerosis disability attorney tampa

One of the most devastating consequences in MS are cognitive problems. It is not uncommon for those with MS to have problems with attention, processing speed and working memory because of problems in connectivity between areas of the brain. How …

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What Every Social Security Disability Applicant Should Know About The 5 Steps Used In Determining Their Rights To Social Security Disability Benefits

Written By: Nancy L. Cavey
5 steps social security disability applicant

The Social Security Administration (SSA) doesn’t make it easy for those who are disabled to get the benefits they deserve. SSA uses a 5 Step Sequential Evaluation test when it reviews every Social Security Disability applicant. So, if your doctor …

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Can I Collect Unemployment Benefits And Supplemental Security Income Benefits?

Written By: Nancy L. Cavey

While you can collect Supplemental Security Income (SSI) benefits, any Unemployment benefits you receive count as unearned income which will reduce the amount of your SSI benefits. Supplemental Security Income Benefits Questions? Applying for SSI and need some guidance? Contact …

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What Is “Disability” For The Purposes Of Collecting First Responder Workers’ Compensation Benefits?

Written By: Nancy L. Cavey
first responder workers compensation benefits

If you’re a First Responder, Section 112.18 of the Florida Statutes provides that any condition or impairment caused by tuberculosis, heart disease or hypertension resulting in total or partial disability or death is presumed accidental and be suffered in the …

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Is It Inconsistent For Me To Apply For Unemployment Insurance And Social Security Benefits?

Written By: Nancy L. Cavey

That’s a great question and many Social Security Administrative Law Judges believe that collecting Unemployment Insurance and Social Security benefits is “double dipping.” What’s the inconsistency? When you apply for Unemployment Compensation benefits, you’re certifying that you’re able to work.  …

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