More than 20,000 women in the United States are diagnosed with ovarian cancer each year and over 15,000 women die annually from the disease. If diagnosed and treated early when cancer is confined to the ovary, the five-year survival rate is over 90 percent.
Ovarian cancer is a disease in which malignant or cancerous cells develop in your ovaries. There are many types of cancers and tumors that can form in the ovaries. Some are benign, or non cancerous, which can be treated surgically. Unfortunately, others are malignant or cancerous and the treatment options and outcome would depend on the type of ovarian cancer and how far it has spread before it is diagnosed.
What you should do if you’ve been diagnosed with ovarian cancer and have a long term disability policy
You may have purchased a long term disability policy through your employer or purchased one on your own. If you’ve been diagnosed with ovarian cancer, it’s important that you get out your long term disability policy and begin the application process.
Long term disability carriers don’t always make it easy for those with ovarian cancer to get the long term disability benefits you deserve. They may delay your application by requesting additional information or more forms to be completed by your physician. They may question your complaints of fatigue or the side effects of medication. Don’t let the long term disability carrier question your claim.
If you claim has been delayed or denied, contact Ovarian Cancer Long Term Disability attorney Nancy Cavey who can help you get the long term disability benefits you deserve. Call today at 727-894-3188 for a free no obligation 30 minute consultation.
In a recent commentary article by NOSSCR, found here: http://thehill.com/blogs/congress-blog/healthcare/215601-ssdi-the-truth-behind-media-and-political-mischaracterizations shows some misconceptions that the media may put out about SSDI. What are your thoughts about the article and the real truth behind it?
Do you need help with your SSDI or have a question? SSDI Attorney Nancy Cavey has been practicing disability law for over 30 years. Give us a call today 727-894-3188.
Did you know that stomach cancer is the 4th most common cancer worldwide and the 2nd leading causes of cancer deaths in the world?
More than 10,000 American suffer from stomach cancer and 1 in every 114 men and women are at risk of this deadly disease!
However, if you are diagnosed with stomach cancer, you should immediately apply for long term disability benefits.
Stomach cancer signs and symptoms
Early stage stomach cancer rarely causes symptoms and, as a result, detection is difficult. However, signs and symptoms of stomach cancer can include:
1. Indigestion, heartburn or ulcer-type symptoms;
2. Difficulty swallowing;
3. Abdominal pain or vague discomfort in the abdomen, usually above the navel;
4. Nausea and vomiting and/or bloating after meals;
5. Vomiting blood, or blood in the stool;
6. Diarrhea or constipation;
7. Loss of appetite;
8. Unexplained weight loss;
9. Weakness and fatigue;
10. Sense of fullness after eating small amounts of food (also called early satiety); and
11. Symptoms may mimic other conditions, such as GERD, gastritis or peptic ulcer.
These signs and symptoms shouldn’t be ignored and you should immediately consult with your physician. These symptoms can sometimes also be caused by things other than stomach cancer and you want to have a peace of mind and have your physician determine the cause of your problem.
It may be hereditary and strikes young adults in their 20′s, 30′s, and 40′s. It’s typically diagnosed in the late stages and, unfortunately, there is a 5 year survival rate.
What should I do if I’ve been diagnosed with stomach cancer?
You may be entitled to long term disability benefits if you purchased a long term disability policy through your employer or bought your own disability policy. You should immediately contact Long Term Disability lawyer Nancy Cavey who can help you get the long term disability benefits you deserve for stomach cancer. It’s crucial that you get these benefits as quickly as possible so that you can get the medical care that you desperately need. Give us a call today at 727-894-3188 to setup your free consultation.
Long term disability carriers don’t make it easy for those who are disabled to get the long term disability benefits that they deserve. Long term disability carriers deny claims on the basis of:
A. Lack of diagnostic criteria;
B. No clinical connection with disabling medical condition; and
C. No objective medical or self-reported symptoms and limitations.
Cognitive dysfunction is present in a number of medical conditions, including tinnitis, hearing loss, headaches and vertigo.
Cognitive dysfunction isn’t evidence of a disability but it’s an important factor to consider in determining the disability. Courts require that long term disability carriers give attention to subjective complaints, assign weight to those subjective complaints or provide specific reasons for its decisions to discount those subjective complaints.
Carriers simply can’t point to a lack of objective evidence in denying a claim. The carrier has to identify any objective findings and consider the cognitive symptoms that would reasonably be expected to see as a result of the medical condition. Carriers can’t just rely on the lack of objective evidence to deny a claim unless there is a subjective, self-reported symptoms and limitations clause in the policy.
What you should do if you have cognitive dysfunction
If you’re filing a long term disability claim as a result of cognitive dysfunction, you should obtain a copy of your medical records and review those records closely. Will your physician document the medical evidence for your cognitive dysfunction or clinical correlation between the complaints and your diagnosis? Has your physician performed any objective testing? Has your physician explained how your cognitive difficulties are manifestations of the symptoms of your medical condition? If not, you may claim may be denied right out of the box because of the lack of medical evidence that supports your cognitive dysfunction.
What should I do if I’ve been denied benefits as a result of cognitive disorder?
Contact Long Term Disability lawyer Nancy Cavey within 180 days of receipt of your denial letter so she can obtain the carrier’s file, conference with your doctor and obtain the necessary medical evidence to establish objective basis of your cognitive disorder and help you get the benefits you deserve. Contact her today at 727-894-3188.
If you employer offered you a disability policy, you may be covered by the Employer Retirement Income Security Act (ERISA). ERISA governs both pension benefit plans and long term disability benefits. ERISA long term disability plans are amended for one reason or another. Amendments can be classified into two categories, substantive and procedural.
Substantive and Procedural Plan Amendments
If a benefit is changing or ending, this would be considered to be a substantive. However, if only appeal procedures such as deadlines for submitting an appeal or for decision-makers to make the final decision on a claim, that’s probably a procedural amendment.
The general rule is that procedural amendments are generally not retroactive. However, substantive amendments will affect you if you’ve vested in your benefits.
How Plan Amendments Must Be Made
Plan sponsors have to follow the ERISA statute to make sure that the amendment has been made properly. The reality is the plan amendments can be made into effect whether it is good or bad.
Learn more about your policy
You can learn more about your disability policy by ordering a free, no obligation copy of our ERISA disability book , Robbed of Your Peace of Mind, today by visiting this link: http://www.caveylaw.com/get-disability-book/ to understand more about ERISA disability and your options.