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  • Long Term Disability Guide

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

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    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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Category Archives: Blog - Page 2

Making The Decision To Hire An Attorney To Get Your Long Term Disability Benefits If Your Claim Has Been Denied

hiring a long term disability attorney

You bought your long term disability policy to provide you and your family peace of mind if you were unable to work. You’ve even made the difficult decision to apply for disability benefits knowing that your physician and employer have supported your claim. Yet, you’ve gotten a denial from the long term disability carrier.

No matter how angry or upset you are, don’t walk away from your long term disability claim. As a disability attorney, I know that very few people look forward to protracted litigation but there are times in life when the only right course of action is to pursue your claim.

hiring a long term disability attorney

What you should do if your claim has been improperly denied

If your insurance company improperly denied or treated your claim with a total lack of regard, it’s time to get a long term disability attorney involved.

When you’re forced in that position, you want to make sure that you’ve hired the right long term disability attorney for you.

You can order your free, no obligation copy of my book, “Hiring the Right Long Term Disability Attorney for You” by contacting my office at 727-894-3188 for a free, no obligation consultation.

Only an experienced disability attorney can understand the terms and conditions of your policy, the reasons for your initial denial and outline and implement a strategy for getting the long term disability benefits you deserve. After all, you purchased your disability policy to provide you and your family peace of mind. Don’t let the long term disability carrier rob you blind! Call us today to discuss your options – 727-894-3188.

The Five Things Long Term Disability Carriers Try To Do To Complicate And Even Deny Your Long Term Disability Benefits

5 things long term disability insurance carriers do

I’m sure that you purchased your long term disability policy to provide peace of mind if you became disabled. You may have every intention of returning to work but simply continue to be disabled while you’re recovering.

5 things long term disability insurance carriers do

Don’t think that the long term disability carrier is sitting idly by while you’re collecting disability benefits. There are five things that long term disability carriers can do to delay or even deny your long term disability benefits. These include:

1. Obtaining an Independent Medical Evaluation (IME) by a physician who has been paid to say that you are not disabled;

2. Having a field investigator knock on your door, unannounced, for the purposes of taking a statement about your Activities of Daily Living;

3. Seeing strange vehicles in your neighborhood following you to and from doctor’s offices, the grocery store or even to the children’s school and securing surveillance of your activities;

4. Contacting your neighbors and even your co-workers about your hobbies and daily activities;

5. Having the long term disability carrier’s peer reviewer or consulting doctors call your attending physician in an effort to convince your doctor that you’re capable of engaging in part-time employment.

What you should do to protect yourself

One of the quickest ways to provide yourself with peace of mind is to secure the services of an experienced long term disability attorney who can:

1. Help you complete the Activity of Daily Living forms submitted to you by the disability carrier;

2. Provide advise on what to expect and how to handle field representatives, surveillance and vocational evaluations used by disability insurance companies to deny claims;

3. Provide disability advice on what to expect and how to handle an independent medical evaluation (IME) or a Functional Capacity Evaluation (FCE);

4. Advice on how you should communicate with your physician about your occupation and how to fill out the disability forms;

Getting the go-to book

You should also order the no obligation copy of my book, “The Smart Long Term Disability Consumer Guide For Preparing For Your Statement and Field Visit – See more at:” that explains to you the games that long term disability carriers play in disability claims.

Be prepared and be forewarned. You should be ready to take on insurance companies so that you can get the disability benefits you deserve. Call today at 727-894-3188 for a complimentary consultation.

Can I Attempt A Trial Work Period While Collecting Social Security Disability Benefits?

twp social security disability

Yes! The Social Security Administration has a trial work period (TWP) that lets you test your ability to work for at least 9 months. You will receive your full Social Security benefits, regardless of how much you earn, so long as you report your work activity and continue to have a disabling impairment.

In 2014, the trial work month is any month in which your average earnings are over substantial gainful activity (SGA) and your total earnings are more than $1,070. A trial work period will continue until you work 9 trial months within a 60 month period. Months don’t have to be consecutive.

twp social security disability

What happens after the 9 months of the Trial Work Period?

After the trial work period (TWP) ends, you have 36 months extended period of eligibility during which you can work and still receive benefits for any month that your earnings aren’t “substantial.” However, your benefits are calculated on a month to month basis for any month in which you have substantial earnings. That means for the calendar year 2014, if you earn more than $1,070 per month, your benefits will be suspended for that month.

You can learn more about trial work periods by visiting or contacting trial work period Social Security disability attorney, Nancy Cavey, at 727-894-3188

Should I Handle My Own Long Term Disability Claim?

handle your own disability claim

Sure! Anyone can handle their own disability claim. However, it is rare for those who are unrepresented to be successful in an appeal to get the disability benefits they deserve.

Long term disability attorneys, such as Nancy Cavey, have the knowledge and experience to handle your long term disability claims.

Unfair carrier tactics

Many long term disability carriers will often take advantage of policy holders by employing unfair tactics to delay and deny your claim. They’ll ask for the same information over and over, contact your doctors needlessly and drag their feet before making a decision on your claim.

Having a long term disability attorney can put you on an equal footing. It sends the carrier a message that you’re serious about the handling, preparation and presentation of your long term disability claim. They know that you’re determined to get the long term disability benefits you deserve.

Be sure to check out our long term disability guide, “Robbed of Your Peace of Mind” written by our very own Nancy Cavey. This book is a useful tool when trying to navigate the long term disability claims process.

Can I Receive Social Security Disability Benefits For A Closed Period Of Time If My Health Is Improved?

social security benefits health improved

That depends!

You can’t be eligible for a closed period of disability if:

The medical evidence establishes you are unable to engage in substantial or continuous period of 12 months, but by the time your disability decision is made, your condition has improved to the point where you are no longer disabled;

You haven’t filed an application within 14 months after the period of disability has ended.

social security benefits health improved

How much can you get in retroactive benefits?

If you do meet the requirements for disability benefits, there’s a 5 months waiting period before you get your first monthly benefit. You can receive up to 12 months of retroactive benefits from the date you file an application with Social Security.

So, if you have a closed period of disability, you may be eligible for Social Security Disability benefits.

You can contact Tampa Bay Social Security Disability attorney, Nancy Cavey, to learn more about whether you can receive benefits for a past disability.

Can I Collect Social Security Disability Benefits And Work?

collect disability while working

The Social Security Administration (SSA) has special rules that allow you to test you ability to return to work while you’re still receiving monthly Social Security Disability benefits.

The Social Security Administration has written a publication “Working While Disabled – How We Can Help” that you can order at Don’t jeopardize your rights to Social Security Disability benefits without understanding the work incentive rules!

collect disability while working

The Social Security Administration doesn’t always make it easy for those who are disabled to get the Social Security disability benefits they receive. Contact Social Security Disability attorney, Nancy Cavey, at 727-894-3188, if your application for Social Security Disability benefits has been denied. Don’t delay! Call today!


If you are collecting Social Security Disability benefits and take a job you need to let Social Security know:

- When you started or stopped work; and
- If there is a change in your job duties, hours, work, or rate of pay.

You may still qualify for Social Security Disability benefits so long as you’re not making than $1,040 per month in the calendar year 2014.

You should visit your local office to report your current work activity and get a receipt from a Social Security representative documenting that you reported your work activity.

That work report receipt may be crucial if, later, the Social Security Administration contends that you’ve been overpaid Social Security disability benefits as a result of your work activity. If you have a question about this process, Tampa Social Security Disability attorney Nancy Cavey can answer them! Give us a call at 727-894-3188 to get more information.

Social Security Disability Benefits For Wounded Warriors

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 Security Disability benefits!

Social Security Disability benefits are different than the VA. The Social Security Administration has its own claims process (linked to our articles) and to be found disabled for Social Security purposes, you must:
Be unable to do substantial work because of your medical condition(s); and

You medical condition(s) must have lasted or be expected to last at least one year or result in disability.

Expedited process to help you get your benefits

The expedited process will help wounded warriors get their Social Security Disability benefits quicker. You can apply online at, in person or at the nearest Social Security office by mail or telephone.

The Social Security Administration doesn’t make it easy, even for wounded warriors, to get the Social Security Disability benefits they deserve.

You can learn more about your rights to Social Security Disability benefits as a current or military service member by contacting Wounded Warrior Social Security Disability attorney, Nancy Cavey, at 727-894-3188.

Cardiomyopathy And Florida’s First Responded Presumption

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 responder is under no obligation to establish occupational causation and the employer has the burden to prove that they did not get the virus at work.

Are you a first responder and have a question about this issue? We represent all over the state of Florida First Responders who need help just like in this situation. Give us a call 727-894-3188 to talk to an attorney that can help.

Cardiomyopathy disability attorney

Article noted from FEBRUARY 1, 2013 FLORIDA LAW WEEKLY 

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

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 on light duty on March 15, 2007 after a physical revealed his blood pressure was elevated. His supervisor completed a Notice of Injury and the City of North Bay Village, through Florida Municipal Insurance Trust/Florida League of Cities, sent Officer Guevara an initial claim packet which included an informational brochure approved by the Department of Financial Services.

first responders claims tampa

The packet did not enclose any information about a statutory presumption for injuries sustained by law enforcement officers. Unfortunately, Officer Guevara filed his Petition for Benefits seeking Worker’s Compensation benefits late.

The employer/carrier denied the claim on the basis that the statute of limitations defense had run and the Judge disagreed finding that the packet was so generic that it didn’t provide any meaningful information to Officer Guevara about the statutory presumption of causation afforded law enforcement officers under Section 112.18(1).

However, the 1st District Court of Appeals reversed the decision finding that Employer/Carrier’s don’t have a statutory duty to provide injured law enforcement officers details regarding the statutory presumption of compensability on first responder cases.

If you are a first responder and need help with this issue, give us a call today. We may be able to help you with your situation.

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

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 carrier. If you fail to make reimbursement, many carriers will claim reimbursement of the overpayment of disability benefits that occur due to your receipt of Social Security benefits pursuant to 29 U.S. Code Section 1132(a)(3).

In Great – West Life and Annuity Insurance Company v. Knudson, 534 U.S. 204(2002), United States Supreme Court addressed a carriers’ right to enforce a reimbursement provision in an ERISA plan.
In Knudson, the carrier paid Ms. Knudson’s medical expenses and then filed a law suit in state court to recover damages, as a result of her motor vehicle accident. The funds that were recovered in the tort action were paid into the Special Needs Trust and Great Life filed an action in court asking for reimbursement of the sums it had paid out on her behalf from the Special Needs Trust.

overpayment ERISA disability lawyer

The U.S. Supreme Court held that whether the carrier was entitled to reimbursement on a legal or equitable basis depended on the nature of the Plaintiff’s claim and the underlying remedies claimed. The court held that if restitution was equitable in nature, the Long Term Disability carrier’s action had to seek, not to impose personal liability on the policy holder, but to restore the funds or property in the policy holder’s possession. Because the monies had been placed in a Special Needs Trust, the court held that the monies were not in the policy holder’s possession.

The practical result of the Supreme Court opinion is that the carrier has to prove the amount that is due, establish that they’re entitled to reimbursement on an equitable basis and establish that the policy holder has the funds in their possession.

If these three things are not established then the carrier is generally, not entitled to reimbursement.

However, that doesn’t mean you’re off the hook. A Long Term Disability carrier can reduce your future benefits by the receipt of the overpayment and will, generally, reduce your benefits until they have received the full amount of the overpayment. The end result? Long Term Disability carriers get their money back one way or another.

What should I do if the carrier is claiming an overpayment?

Contact Overpayment Long Term Disability Benefits attorney Nancy Cavey today to learn more about whether the carrier is, in fact, entitled to reimbursement, strategies for dealing with the reimbursement claim and causes of action that may arise, as a result of collection activities on behalf of the carrier. If the carrier has hired a collection agency that’s harassing you regarding overpayment, there might be a Fair Debt Collection Practice Act (FDCPA) or state consumer violation that can help resolve the overpayment issue favorably for you!