Practice Areas
Long Term Disability ERISA and Private Disability Insurance Claims
Berkshire Disability Insurance Denied Policy Holders| Florida Berkshire Disability Denied Attorney
Social Security Disability (SSD)
Florida City and State Pension Disability Claims
Your Rights to Florida Workers’ Compensation Benefits - Medical Care and Lost Wage Benefits
Florida First Responders and Their Rights to Workers' Compensation Benefits
Cavey Law Blog 
Long Term Disability ERISA and Private Disability Insurance Claims
- Long Term Disability Insurance Benefits Denied Because of Transferable Skills | St. Petersburg Disability Insurance Lawyer
- Denied Long Term Disability Benefits Because of the Lack of Medical Treatment | Tampa Bay Disability Insurance Lawyer
- Federal Court Fines UNUM for Requiring LTD Receipents to File False Social Secuirty Disability Claims | Tampa Long Term Disability Attorney
- Has Your Claim for Long Term Disability Benefits Been Denied Because You "Did Not Put Forth Your Best Efforts In Psychological Testing?" | Florida Long Term Disability Lawyer
- The 2009 Economy and the Payment of Long Term Disability Benefits. | St. Petersburg Long Term Disability Lawyer
FREE Books
Florida's First Responder Heart/Lung Benefits: What You Need to Know
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.
Latest News
- Florida Celebrates Disability Mentoring Day
- Washington Mutual faces class action suit on alleged ERISA violations
- Keller Rohrback L.L.P. Announces Ongoing ERISA Investigation of the First American Corp. 401(K) Savings Plan
- Have You Been A Victim Of UNUM or another LTD Carrier Denial? How to Protect Yourself
- Long Term Disability Benefits and Acupuncture for Chronic Headaches
- Lawyer Advertising for Long Term Disability Cases and Attorneys Cavey and Barrett
- Long Term Disability Insurance Companies And Use of Evidence Based Disability Guidelines
- Is the long-term disability carrier entitled to repayment because I got Social Security Disability benefits?
- Long Term Disability Benefits and College Financial Aid
- One Woman's Struggle Against UNUM and the Power of Persistence
Library
Long Term Disability ERISA and Private Disability Insurance Claims
Long term disabilities can happen to anyone - Long Term Disability (ERISA)
ERISA Disability Insurance Attorney
Nancy Cavey quides 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.
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 Cavey and Barrett serves clients throughout the Tampa Bay area, including St. Petersburg, Pinellas Park, Clearwater, Dunedin, Palm Harbor, Tampa, Brandon, Bradenton and Sarasota. The firm serves clients in Pinellas County, Hillsbrough County, Pasco County, Manatee County and Sarasota County, Florida.
Library for Long Term Disability ERISA and Private Disability Insurance Claims:
- What you DON'T Want To See In Your Your Long Term Disability Policy
Description: What to look for to avoid trouble in your Long Term Disability Policy. - How We Handle Your Long Term Disability Claim
Description: How we're different from other law offices and what that means for you. - The Truth About Long Term Disability Insurance Companies
Description: What Long Term Disability Companies don't want you to know; the truth. - Myths About Disability Insurance Claims You May Have Heard (From neighbors, friends, or other lawyers and insurance companies)
Description: The truth about Disability Insurance Claims and myths you shouldn't believe. - If Your Individual or ERISA Long Term Disability Policy Contains Any of These Clauses......You Should Be Concerned
Description: Sneaky insurance companies: What to look for in your insurance policy. - Common Mistakes And How To Prevent Making Them
Description: Claiming Disability Benefits - How to Avoid Falling into Insurance Company's Traps - How Your Employer and The Disability Insurance Companies Takes Advantage of the Disabled
Description: Learn how disability Insurance Companies take advantage of the disabled by writing disability policies to limit the benefits and fail to assist in completing disability insurance claims. Long term disability insurance companies issue generic claim denials that lull the disabled into appealing without getting the assistance of an ERISA/long term disability attorney and use activities of daily living forms to put surveillance on the disabled. Nancy Cavey offers the book "Robbed of your Peace of Mind" to assist the disabled in avoiding mistakes in the ERISA/disability insurance process. - Will My Employer Help Me with My Long Term Disabiity or ERISA Claim?
Description: Your employer offered you a disability or ERISA disability policy to help you if you became disabled, but did not guarantee you a job if you became disabled. While you should cooperate with your employer in any return to work effort, you should get statements from your co-employees about those efforts. Be especially careful about changing your job to less demanding or one that pays less as you may be changing your own occupation resulting in reduced long term disability benefits. Your employer won't help you, you need to help yourself. - Are You Being Set Up for a Termination of Your Long Term Disabiility Benefits?
Description: Are your being set up for a termination of your long term disability benefits? Learn the games the long term disability/ERISA carrier have waiting for you and how to protect yourself. - Everything you need to know about Your Doctor's Role in Winning Your Long Term Disability/ERISA Claim
Description: What your doctor has to say about your diagnosis and your disability can make or break your case. You need to know what is in your medical records before you file a claim. This article helps you understand what the long term disability/ERISA insurance company is looking for in your medical records. This can make or break your claim.
Frequent Questions for Long Term Disability ERISA and Private Disability Insurance Claims:
- 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?
Videos about Long Term Disability ERISA and Private Disability Insurance Claims:
- Long Term Disability Mistake 1
- Long Term Disability Mistake 2
- Long Term Disability Mistake 4
- Long Term Disability Mistake 5
- Long Term Disability Mistake 6
- Long Term Disability Mistake 8
- Long Term Disability Mistake 9
- Long Term Disability Mistake 10
- Long Term Disability Mistake 11
- Long Term Disability Mistake 12
- Long Term Disability Mistake 13
- Long Term Disability Mistake 14
- Long Term Disability Mistake
- The 15 Long Term Disability Mistakes
- CaveyLaw, Long Term Disability Unfair Language 1
- CaveyLaw, Long Term Disability Unfair Language 2
- CaveyLaw - Long Term Disability Unfair Language 5
- CaveyLaw - Long Term Disability Traps and Tricks
- CaveyLaw - Long Term Disability WARNING
- CaveyLaw - LTD Peace of Mind
- CaveyLaw - You need Legal Help with Your LTD
- CaveyLaw - Long Term Disability Unfair Language 7
- CaveyLaw - Long Term Disability Unfair Language 6
- CaveyLaw - An Introduction to ERISA
- CaveyLaw - Long Term Disability Myths
- Robbed of Your Peace of Mind?
- Long Term Disability Peace of Mind
- CaveyLaw - Long Term Disability Unfair Language 5
Blog for Long Term Disability ERISA and Private Disability Insurance Claims
- Long Term Disability Insurance Benefits Denied Because of Transferable Skills | St. Petersburg Disability Insurance Lawyer
- Denied Long Term Disability Benefits Because of the Lack of Medical Treatment | Tampa Bay Disability Insurance Lawyer
- Federal Court Fines UNUM for Requiring LTD Receipents to File False Social Secuirty Disability Claims | Tampa Long Term Disability Attorney
- Has Your Claim for Long Term Disability Benefits Been Denied Because You "Did Not Put Forth Your Best Efforts In Psychological Testing?" | Florida Long Term Disability Lawyer
- The 2009 Economy and the Payment of Long Term Disability Benefits. | St. Petersburg Long Term Disability Lawyer
- What Is ERISA and Why Should I Care if I am a Long Term Disability Applicant? | Florida Long Term Disability Lawyer
- What Every Medical Professional Needs to Know about Disability Insurance Policies | Medical Professionals Disability Insurance Lawyer
- How Difficult is it to Get Long Term Disability Benefits? | Florida Disability Insurance Lawyer
- 7 Tips for Long Term Disability Policy Holders Before Applying for Benefits | Tampa Bay Disability Insurance Lawyer
- The 2009 Economy and UNUM's Payment of Long Term Disability Benefits | Florida Insurance Disability Lawyer
- How to Avoid the 23 Mistakes You Can Make When The Long Term Disability Carrier Wants to Take Your Statement | Florida Long Term Disability Attorney
- Financial Pre-Planning Doesn't End When You Buy Your Long Term Disability Policy | ERISA Disability Insurance Lawyer
- Will The Long Term Disability Carrier Spy on Me? | St. Petersburg Disability Insurance Lawyer
- Signing Long Term Disability/ERISA Medical Release Can Destroy Your Claim | Tampa Bay Long Term Disability Lawyer
- Even the British Know That ERISA is Broken! | St. Petersburg Disability Insurance Lawyer
- Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend Like Allsup? | Clearwater ERISA Disability Attorney
- UNUM's 2008 Profits Come at the Expense of Long-Term Disability Policy Holder's Piece of Mind | Clearwater ERISA Disability Attorney
- Shocking UNUM Reversal Rate of 41.7% | Tampa Disability Insurance Attorney
- Help! The Long Term Disability Adjuster Wants to Take My Statement or Come To My House | Florida ERISA Disability Insurance Attorney
- Protect Yourself from Surveillance By the Long Term Disability Carrier | Hillsborough and Pinellas County Disability Insurance Lawyer
- Has Hartford Targeted Your Long Term Disability Claim For Termination | Tampa Bay Disability Insurance Lawyer
- Cancer is Top Cause of UNUM's Disability Claims | Orlando Disability Insurance Attorney
- New York Insurance Commissioner Says UNUM is Complying with Claims Handling Agreement | Sarasota Disability Insurance Lawyer
- Must a Long Term Disability Carrier Give You Medical Reports They Rely on To Deny Your Claim? | Tampa St. Petersburg Disability Insurance Attorney
- What is ERISA and Why Should You Care? | Florida Disability Insurance Attorney
- Long Term Disability Carriers Clog Up The Social Secuirty System | Florida Disability Insurance Lawyer
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
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 Mistake 1
- Long Term Disability Mistake 2
- Long Term Disability Mistake 4
- Long Term Disability Mistake 5
- Long Term Disability Mistake 6
FAQs
Long Term Disability ERISA and Private Disability Insurance Claims
- 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?