Practice Areas
Long Term Disability ERISA and Private Disability Insurance Claims
Social Security Disability (SSD)
Florida Berkshire Insurance Disability Denied Attorney
Carrier Claims - View By Carrier
Florida City and State Pension Disability Claims
FREE Books
Florida's First Responder Heart/Lung Benefits: What You Need to Know
Your Rights to Social Security Disability Benefits - Information the Social Security Administration Rarely Tells Your About Your Claim.
Robbed of Your Peace of Mind? Important Information on Long Term Disability Insurance Policies, The Claims Process, and How to Win Your Long Term Disabality Benefits.
Cavey Law Blog 
Long Term Disability ERISA and Private Disability Insurance Claims
- Airplane Pilot Loses License Because of Restrictions and is Still Denied Long Term Disability
- The Truth About Long Term Disability Carriers Attending Physician Forms
- The Truth about ETNA’s Claim Handling of Spinal Injuries | St. Petersburg Disability Attorney
- The Dirty Little Secret that Hartford Doesn’t Want you to Know about Juan Mendez, Dr. Mark Burns and Dr. Michael Ratter
- Is Your Financial Future as an Orthopedic Surgeon Vulnerable because You Don’t Understand the Terms of Your Northwest Mutual Long Term Disability Policy?
Latest News
- US Census Bureau Report About Disability Amoung Americans
- Making a Crucial Mistake and Stop Working without Understanding
- Nortel Terminating Long Term Disability and other benefits
- Doctor Pleads Guilty to Insurance Fraud | Collecting Disability
- Dateline NBC Special Report about ERISA Disability Carriers
- Concussions Hide Hidden Long Term Disability Effects
- Tips for 2010 for Long Term Disability Insurance
- Impact of Unemployment Rates Causes Concern For Disability Insurance
- Facebook Pic Looses Women Disability Payments
- H1N1 exposes weak leave policies
Library
Long Term Disability ERISA and Private Disability Insurance Claims
Common Questions Asked About Disability Claims in Florida
Q: I am reducing my hours at work and wonder when should I apply for long term disability benefits?
A: Every disability policy has what is called an "elimination period" and "notice" provision and, to answer that question, you need to get your policy and look at those provisions. Some policies say you have to give notice of claim when you start reducing your hours and others say you can wait.
There is no standard disability policy! Nancy Cavey, an experienced long term disability lawyer based in the Tampa Bay area, can hlep you understand your policy and help you file a timely claim for long term/ERISA disability insurance benefits. Contact Cavey and Barret for a non-obligation evaluation of your long term disability insurance claim by calling 727-894-3188.
Florida Disability Insurance Lawyer, Nancy Cavey, represents disability insurance applicants in Florida including Tampa, St. Petersburg, Clearwater, New Port Richey, Orlando, Lakeland, Sarasota, Ft. Myers, Ocala, Gainesville, Tallahassee, Pensacola, Jacksonville, Daytona, West Palm Beach, Ft. Lauderdale, Boca Raton, Lake Worth, Miami and Naples. Nancy also represents long term disability applicants in Georgia, Alabama, Texas, North Carolina and South Carolina and through out the United States.
Tampa Bay based Nancy Cavey represents clients in short and long term disability insurance cases against UNUM, UNUM Provident, Reliance Standard, Liberty, Hartford, Berkshire, AIG, American International, Gallagher Bassett, North Western Mutual, Prudentia.
Nancy has written a free consumer guide to disability insurance called Robbed of Your Peace of Mind - What Long Term Disability Insurance Companies Don't Want You To Know! which usually sells on Amazon.com for $14.99, but is yours today at NO-COST!
Free Books
The Key To Hiring A Great Long Term Disability Attorney
The Smart Long Term Disability Consumer Guide For Preparing For Your Statement and Field Visit
Request Free Books
Contact Us Today - Free Consultation
Cavey & Barrett
821 16th Street North
Post Office Box 7539
St. Petersburg, FL 33734-7539
Phone: (727) 894-3188
Fax: (727) 821-2751
Get Directions
Workers' Compensation
727-894-3188
Long Term Disability
727-897-9053
Social Security Disability
727-897-9117
Videos
Long Term Disability ERISA and Private Disability Insurance Claims:
- Long Term Disability | Peace of Mind | St. Petersburg Disability Attorney
- An Introduction to ERISA | St. Petersburg ERISA Attorney | Tampa Bay | Florida
- Long Term Disability Myths | LTD Lawyer | Florida
- Robbed of Your Peace of Mind? | Must Read ERISA Book | ERISA Lawyer St. Petersburg | FL
- CaveyLaw - Long Term Disability Unfair Language 5
FAQs
Long Term Disability ERISA and Private Disability Insurance Claims
- The Long Term Disability Carrier asked me where I filled my prescriptions, why?
- I have a non-ERISA long term disability claim which has been denied. Can I bring suit immediately?
- I don’t understand why there is language such as “right to bring a legal action regarding your claim under ERISA Section 502(a)” in my denial letter?
- I don’t understand why claimants covered under an ERISA plan have to submit an appeal request within 120 days but non-ERISA claims don’t?
- What is an ERISA Disability Attorney?
- Do I Have to Sue to Get My Long Term Disability Benefits?
- Do I Have to Sue to Get My Long Term Disability Benefits?
- Do I Really Need a Private Disability Insurance Policy If I Have a Policy Through Work?
- Should I Have a Non-Cancelable Long Term Disability Policy?
- Is the Definition of Disability Important In a Disability Policy?
- What Percentage of My Income Should My Long Term Disability Policy Cost On an Annual Basis?
- How Do I Hire the Right Disability Attorney?
- Do My Doctor's Records Make A Big Difference?
- Why Do Long Term Disability Companies Complain About Paying For Conditions Like Lupus, CFS, Fibromyalgia or Other Self-Reported Conditions?
- Is there a medical treatment for Lupus for a short or long term disability?
- Do My Doctor Records Make a Big Difference?
- Do I have to pay income-tax on the long-term disability payments I receive?
- Is there a Good Book on Long Term Disability Policies for Florida Long Term Disability Policy Holders that You Would Recommend?
- Should I shop for Long Term Disability Policies?
- What are the Myths of Long Term Disability Policies?
- Has Your Long Term Disability Claim Been Denied Because of the Wrong Diagnosis?
- What Should I Look For in a Disability Insurance Policy?
- Is it unethical when a LTD carrier denies my claim for benefits based on a psychological paper review?
- What is Short Term Disability Insurance?
- Do I Really Need a Private Disability Insurance Policy if I have a policy through work?
- How Do I Hire the Right Disability Attorney?
- What Should I Look For in a Disability Insurance Policy?
- I have chronic pain and the long term disability carrier says my pain is not "objective". Do you have tips on how to prove I have pain so I can win my long term disability case?
- No. 1 - Is the long-term disability carrier entitled to repayment because I got Social Security Disability benefits?
- No. 2 - Long-term disability benefits and my healthcare coverage through COBRA
- No. 3 - Long-term disability and financial planning.
- No. 4 - The 2008 economy and the payment of long-term disability benefits.
- No. 5 - What every medical professional needs to know about ERISA.
- No. 6 - The Long-term Disability Carrier is trying to talk with my treating physician behind my back. What should I do?
- No. 7 - The long-term disability carrier is denying my benefits because my physician won't respond to their request for information. What should I do?
- No. 8 - Psychological disability and long-term disability claims.
- No. 9 - Has your claim for long-term disability benefits been denied on the basis that you haven't been putting forth your best efforts?
- No. 10 - The seven things long-term disability policyholders should do.
- No. 11 - Can I refuse to attend a neuropsychological exam at a long-term disability carrier?
- How can I check out UNUMProvident's reputation for paying short and long term disability benefits?
- If I become injured or disabled, when is the best time to apply?
- What medical conditions are considerd disabling?
- How can I get a decision faster when I apply for disability?
- If my Long Term Disability claim is approved how much will I receive?
- Can I collect Long Term Disability Benefits for Multiple Sclerosis?
- Can I Refuse to Attend a Neuropsychological Exam Scheduled By My Long Term Disability Carrier?
- If I am disabled and collecting long-term disability, will that impact my financial planning?
- I have filed my application for long terrm disability benefits. How long will the long term disability insurance company take to tell me if they are going to pay my long term disability insurance benefits?
- What Should I Do If My Doctor Refuses to Fill Out the Long Term Disability Insurance Medical forms?
- Can I refuse to attend a neuropsychological exam at a long-term disability carrier?
- I am reducing my hours at work and wonder when should I apply for long term disability benefits?
- Should I continue to pay the premium for long term disability coverage if I am awarded my long term disability benefits?
- The long term disability/ERISA carrier has decided to pay my long term disability benefits. What happens next?
- The long term disability/ERISA insurance compnay refuses to pay my disability benefits and I want to sue them!
- How is the long term disability/ERISA lawyer going to let me know if they are going to pay my disability benefits?
- What happens after I file my claim for disabilty insurance with my long term disability insurance carrier?
- The long term disability/ERISA carrier wants me to be examined by their doctor. What should I do?
- My doctor tells me to start reducing my hours. Should I apply for long term disability benefit/ERISA disability?
- I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do?
- I have just filed my claim for long term disability benefits. What happens next?
- What written material does the Long term Disability/ERISA carrier look at when they decide if they are going to pay my long term disability benefts?
- Is there any benefit to me to have a long term disability/ERISA attorney represent me in my long term disability/ERISA claim?
- My long term disability/ERISA carrier is taking forever to tell me if they will pay my benefits. What should I do?
- What am I supposed to do when the long term disability/ERISA carrier stops paying my long term disability benefits?
- What should I do if the long term disability insurance company denies my long term disability claim application?
- Does Florida state law affect my personal private (non-ERISA) disability claim?
- I paid my premium for long term disability benefits all these years. Now that I need those benefits, will the long term disability carrier pay my long term disability/ERSIA benefits?
- Is there a difference between short term and long term disability benefits?
- Is there a "treating doctor" rule in long term disabilty/ERISA cases that says my long term disability insurance company has to accept the opinons of my doctor?
- Will the long term disability insurance company send someone to my house to take my statement?
- Will the long term disabiility/ERISA insurance company contact my co-workers, family members, or neighbors?
- Help! The Long Term Disabilty/ERISA carrier has called and wants to come to my house! What should I do?
- My doctor tells me that I can't work anymore. What steps should I take before I stop working?
- When should I file a claim for long-term disability/ERISA benefits?
- Do I have to have the long-term disability/ERISA insurance company's permission to speak with my doctor?
- What does ERISA do?
- What if I am a public employee?
