Free Consumer Reports

  • Long Term Disability Guide

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

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  • Hiring a Great Long Term Disability Attorney

    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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Long Term Disability ERISA and Private Disability Insurance Claims

ERISA Disability Insurance Attorney

Nancy Cavey guides you through the process of applying for and getting your long term disabiity benefits. You might have bought a private disability insurance policy, which is governed by Florida state law, or a disability policy through your employer which is governed by a Federal statute called ERISA. By taking advantage of what many policy holders do not know, long term disability insurance companies often intimidate policyholders or manipulate them into thinking their options are limited. Before you apply for long term disability benefits or deal with the long term disability carrier you should read a copy of our free book “Robbed of Your Peace of Mind? Important Information on Long Term Disability Insurance Policies, the Claims Procedures and How to Win Your Long Term Disability Benefits”.

Nancy Cavey, a Tampa ERISA Disability Insurance Attorney, understands your fear of financial ruin, because as a teenager her father became disabled and had to rely on his long term disability and Social Security Disability benfits to support his family. Don’t let you benefits be like bicycle accidents, where the person always gets hurt.

Obtaining Disability Benefits

The process of obtaining long term disability benefits from your private disability or ERISA disability insurance carrier can be overwhelming and frustrating. You paid for this disability insurance to help you if you became disabled and the promise of those benefits seems hollow. We will help your understand your disability insurance policy, what traps are waiting for you in the application process, the disability claims appeal process and the common  mistakes you can make. Nancy Cavey, a long term disability insurance lawyer will review with you:

1. The Summary Plan description of your disability insurance policy.

2. Review your medical records and help develop the medical and vocational evidence necessary to file the initial disability claim application.

3. File an appeal within 180 days if your ERISA claim is denied. We obtain and review your file from the long term disability carrier, meet with your doctors and obtain supplementary reports, arrange for you to have functional capacity or vocational evaluations, do medical research and file a detailed and exhaustive disability claim appeal of your private diasability or ERISA claim denial.

4. If necessary, file a lawsuit in court.

Protect Your Rights to Your Long Term Disability Benefits

Nancy Cavey, a St. Petersburg ERISA attorney who handles long term disability cases, has extensive experience in handling complex medical conditions that cause disability such as spinal injuries, fibromyalgia, chronic fatigue syndrome. For assistance in obtaining your long term disability or ERISA disability insurance benefits or to order our free book Robbed of Your Peace of Mind?”, please contact our disability insurance firm today or click the picture of the book on the home page.

If you or a loved one has suffered a long term disability and have had your claim denied, contact our offices for a free case assessment today.

With offices in St. Petersburg, Florida, The Law Offices of Nancy L. Cavey represents clients all over Florida including: Tampa, St. Petersburg, Pinellas Park, Sarasota, Bradenton, Venice, Ft. Myers, Naples, Orlando, Lakeland, Gainesville, Daytona, West Palm Beach, Ft. Lauderdale, Miami, Miami Beach, Jacksonville, Tallahassee, New Port Richey, Hudson, Safety Harbor, Largo, Palm Harbor, Port Richey, Clearwater, Indian Rocks Beach, Dunedin, Spring Hill, Brooksville, and all other cities in Florida.

If you or someone you know has been effected by a hour and wage claim, disability or social security claim in Florida, do not hesitate to Contact Us before you speak with an insurance company. There is no obligation to hire a lawyer and the consultation is FREE.