Practice Areas

Long Term Disability ERISA and Private Disability Insurance Claims

Social Security Disability (SSD)

Berkshire Disability Insurance Denied Policy Holders| Florida Berkshire Disability Denied Attorney

Carrier Claims - View By Carrier

Hartford Claims Denied

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Your Wage and Hour Rights -Information Your Employer Never Wanted You to Hear.

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.

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Library

Long Term Disability ERISA and Private Disability Insurance Claims

• Long Term Disability Carriers Team Approach to Denying Your Long Term Disability Claim
• Dealing with the Insurance Carrier: Your Medical Records and Your Long Term Disability Claim
• The Many Mistakes Vocational Evaluators Use in Long Term Disability Cases

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Common Questions Asked About Disability Claims in Florida

Q: No. 8 - Psychological disability and long-term disability claims.

A: Unfortunately, long-term disability carriers routinely use companies such as PSY BAR to review long-term disability/ERISA claims involving psychiatric conditions.

I recently reviewed PSY BAR's website and noted that they offer online courses to adjusters and IME doctors.

One of the courses, "Psychological and Psychiatric Assessment of Individuals for Disability Insurers," actually teaches "independent medical doctors" what the long-term disability insurance company's expectations are and how to meet those expectations in an ethical manner.

Interestingly enough, this course identifies what PSY BAR believes to be "common IME errors":

ERROR NO. 1 - Confusing the needs of the disability carrier with other kinds of coverage, including medical, workers' compensation, Social Security."  

ERROR NO. 2 - Confusing diagnosis with limitations in functioning.

ERROR NO. 3 - Confusing symptoms with limitations in functioning.

ERROR NO. 4 - Assuming the role of a treating doctor.

ERROR NO. 5 - Interpreting measures of personality and mood as measures of functional capability.

ERROR NO. 6 - Making conclusions about functional problems caused by physical illness.

I am sure that long-term disability carriers are looking for reasons to deny claims involving psychiatric conditions and will look for these errors in your treating physician's records. If you have any questions regarding your long-term disability claim or need assistance, contact experienced long-term disability/ERISA disability attorney Nancy Cavey, based in Hillsboro and Pinelas Counties.

Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.

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The Smart Long Term Disability Consumer Guide For Preparing For Your Statement and Field Visit

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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

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FAQs

Long Term Disability ERISA and Private Disability Insurance Claims

• 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?