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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Social Security Disability Benefits For Wounded Warriors

Written By: Nancy L. Cavey
wounded warrior social security disability

Military service members who became disabled while on active military service on or after October 1, 2001, regardless of where the disability occurs, may be eligible for expedited processing of their Social Security Disability claims. How you qualify for Social …

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Cardiomyopathy And Florida’s First Responded Presumption

Written By: Nancy L. Cavey
Cardiomyopathy disability attorney

In a case of Orange County v. Wilder, the 1st District Court of Appeals has ruled that viral cardiomyopathy constitutes heart and “heart disease” as the term is used in Section Florida Statute 112.18.  If a presumption applies, a first …

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Law Enforcement Agencies Don’t Have To Tell First Responders About The Statutory Presumption

Written By: Nancy L. Cavey
first responders claims tampa

The 1st District Court of Appeal recently ruled that there is no requirement that an Employer/Carrier provide injured law enforcement officers information regarding the statutory presumption. Officer Guevara was employed by the City of North Bay Village and was placed …

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How To Deal With Erisa Disability Insurers Claims And Reimbursement For Social Security Overpayments

Written By: Nancy L. Cavey
overpayment ERISA disability lawyer

Many Long Term Disability plans provide that the policy holder must properly refund any lump sum retroactive Social Security Disability payment and send the overpayment amount within 30 days of the receipt of the notice from the Long Term Disability …

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Unemployment Benefits And Your Rights To Social Security Disability Benefits

Written By: Nancy L. Cavey
unemployment social security disability benefits

The receipt of Unemployment Insurance benefits does not prevent you from getting Social Security Disability benefits. In Cleveland v. Policy Management Systems Corp. 526 U.S. 795 (1999), the United States Supreme Court held, in a unanimous decision, that a claim …

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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 …

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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. …

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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 …

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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: • …

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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 …

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