What’s the two step ERISA claim’s process?
Under ERISA, you have the right to file a claim for disability benefits and provide a disability carrier with information about your claim.
If your plan administration denies your claim, you have 180 days to appeal. That can make all the difference between getting and losing your ERISA benefits.
You must complete the appeal before filing a lawsuit. If your ERISA long term disability claim is denied, contact disability attorney Nancy Cavey who can explain to you your rights to long term disability benefits. Do not wait to learn about your options, contact us today before your disability claim is denied.
How much of my income is disability insurance intended to replace?
Many Americans, just like Nancy Cavey’s father, purchased disability insurance to provide financial assistance when they need it most and were disabled and unable to work. Disability insurance benefits are intended to replace from 40-60% of your gross income if you are unable to work for an extended period of time.
If you are looking to file for disability, or looking to answer questions about disability like is your income on disability insurance going to replace your current income, give us a call today at 727-894-3188 to talk with us. The call is free, and the questions answered can help your disability claim.
What are the common medical conditions that may entitle you to long term disability benefits?
If you purchased a long term disability policy from your employer or purchased a policy individually, you may be entitled to disability benefits if you suffered from one or more of the following medical conditions:
- Bipolar Disorder: Bipolar Disorder is also known as Manic Depressive Disorder and it can lead to crippling mood swings, irrational behavior and even suicidal tendencies.
- Anxiety Disability: Anxiety can cause sudden bouts of intense fear or anxiety. You can have symptoms including pounding heart, shortness of breath, feeling of losing control, or even denial.
- Schizophrenia: Schizophrenia is a mental disorder characterized by a disassociation of sensory input, feelings and emotions on one hand and thoughts on the other. You can have hallucinations, hearing voices or even feeling that your thoughts or actions are under someone else’s control.
If you or a family member suffer from any of these psychiatric conditions and your claim for long term disability benefits is denied, contact long term disability denial attorney Nancy Cavey who can help you get your disability benefits regardless of where you live in the United States.
What’s an elimination period in a long term disability policies?
An elimination period is the amount of time you have to wait before you benefits kick in.
Did you know that the typical elimination or waiting period for most long term disability policies in 90 days.
That means that you better have an emergency fund that will tide you over so that you will be able to pay your bills and maintain your lifestyle during this elimination period.
Need help with your Elimination period in your Long Term disability claim? Contact us today for more information on your options with your policy. 727-894-3188.
How Much Long Term Disability Coverage Should I Have?
The starting point for determining the amount of long term disability coverage that you should have is based on how much it would cost to maintain your families current standard of living. So, if your monthly budget is $3,000 per month, you want to have at least $3,000 in long term disability coverage so that you can maintain your families lifestyle if you become disabled.
Have a question about your Long Term Disability policy or coverage? Give us a call today at 727-894-3188.
Can long term disability Carriers sue me for a refund of my long term disability benefits?
Unfortunately, one of the techniques that long term disability carriers seem to be using these days is to terminate long term disability benefits and then attempt to sue policy holders asking for a refund of benefits. Saying that they were “defrauded” This is just one of the many games that long term disability carriers will play to rob you of your peace of mind.
If the long term disability carrier is seeking a refund of all the long term disability benefits paid, contact long term disability attorney Nancy Cavey.
FAQ: Why does the long term disability carrier have the right to reduce my long term disability benefits by the receipt of Social Security benefits?
Answer: Great question! Unfortunately, many long term disability carriers have a clause in the insurance contract that says that the long term disability carrier gets to take advantage of your favorable Social Security decision. That means they can ask for a repayment of overpayment of benefits and reduce your future long term disability benefits. They get you coming and going.
Florida long term disability attorney Nancy Cavey, has written Robbed of Your Peace of Mind, which explains the contract terms that you do not want to see in your long term disability policy.