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  • Long Term Disability Guide

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

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    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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    Your Rights To Social Security Disability Benefits - Your Guide to Getting Benefits Now

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Tag Archives: Long Term Disability benefits

What Does it Take to Collect Your Long Term Disability Benefits?

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Long term disability attorney Nancy Cavey knows that disability carriers are notorious for delaying, denying and challenging your right to disability benefits. It takes persistence, experience and team work to get your long term disability benefits.

From the moment that you file your disability claim, your carrier is looking for a reason to deny your Collecting Long Term Disability Benefitsdisability benefits. One of the strategies that they employ is to use a disability guideline from a predetermined statistical duration after which you should be able to “return to work”. One of the leading guides long term disability carriers use is giving statistical guidelines.

Long term disability attorney Nancy Cavey knows that this is a common disability insurance company tactic and has first hand knowledge of the internal claims handling process of every major disability insurance company in the United States.

This knowledge allows her to identify any potential weaknesses in your disability claim and help you obtain the evidence necessary to show your ongoing entitlement to long term disability benefits.

Building your claim will require support by your physician to document that you have an objective basis for the diagnosis, and objective restrictions and limitations that prevent you from working in your occupation or any occupation.

It is essential that a trained physician document your medical records.

Medical records will not only reflect the actual problems that you have, but adequately explain your symptoms. So, if for example, you have arthritis, you should explain to the doctor at every appointment the limitations you have as a result of arthritis including your symptoms such as pain, stiffness, swelling and fatigue. You may even have emotional issues like anxiety or depression or difficulty sleeping which causes fatigue.

Your medical records should reflect the actual problems that you have as a result of your arthritis and the physical problems that you have. This should be done at every visit and ensure that your doctor properly documents your medical records with your disabling conditions.

Most doctors don’t have the time to generate detailed medical records and insurance companies will cherry pick your records for reasons to deny your claim based on insufficient support in your medical records.

That’s why long term disability attorney Nancy Cavey thinks that it is important that you give your doctor a detailed history that he can place in your chart. Additionally, she can review your records and work with you and your treating physician to make sure that that there is appropriate medical documentation to support your claim.

Don’t go it alone, contact long term disability attorney Nancy Cavey for assistance with your disability application.

Long term disability carriers don’t make it easy to get the long term disability benefits that you paid for. If your long term disability claim has been delayed or denied, Nancy Cavey can help you regardless of where you live in the United States.

Call her today and schedule a complimentary 30 minute long term disability evaluation to determine your rights to long term disability benefits under your policy.

Does Your Long Term Disability Denial List Alternative Jobs that You Allegedly Can Perform?

You purchased your long term disability policy to provide you benefits when you are unable to work. Unfortunately, many long term disability carriers don’t make it easy for those who are disabled to get the benefits that they deserve.

One of the favorite ways that long term disability carriers will deny claims is to list alternative jobs that you can reportedly do despite your restrictions and limitation. Unfortunately, many long term disability carriers fail to actually consider what the material duties of the hypothetical jobs are. So, for example, if the hypothetical job requires you to interact with customers or fellow employees and you have significant hearing loss, that denial doesn’t make any sense!

Don’t let a long term disability carrier wrongfully deny your benefits by listing alternative jobs that you reportedly could perform.

If your long term disability claim has wrongfully been denied because of a list of alternative jobs that the long term disability carrier magically thinks that you are able to perform contact long term disability denied attorney Nancy Cavey who can help you get the benefits that you deserve regardless of where you live in the United States.

Struggling with Cardiovascular Disease

Has your doctor diagnosed you with cardiovascular disease? You may be eligible to receive long term disability benefits if you have purchased a group disability plan from a private insurer or have coverage through your employer.

According to a report from Medline Plus, middle aged adults in the United States should start meeting the American Heart Association’s Heart Health Goals of:

1. Maintaining a healthy weight and diet;
2. Being physically active;
3. Not smoking;
4. Having adequate blood sugar levels;
5. Having adequate cholesterol levels;
6. Having good blood pressure.

The study shows that just one out of every 2,000 middle aged adults in the United States are meeting those goals.

If you are unable to work as a result of cardiovascular disease, you should consult with a cardiac long term disability attorney. Unfortunately, long term disability carriers do not make it easy for the disabled to get the benefits that they deserve. If your cardiovascular condition makes it impossible for you to work and you have been denied your long term disability benefits, Nancy Cavey can help you cut through the red tape and fight for your disability benefits no matter where you live in the United States. Give us a call today to discuss your benefits.

I have been paid my long-term disability benefits for 10 years. Now they are denying my claim. Can I sue them?

 

Before suing a long-term disability carrier, it is advisable to exhaust your appeal rights that are available under the Employee Retirement Income Security Act, (ERISA).  If you purchased your group long-term disability policy through your employer, your case will be governed under the ERISA disability law which allows for a 180-day appeal period.

Nancy Cavey, ERISA long-term disability attorney, suggests that you get a copy of the long-term disability carrier’s file, including the adjusting notes, so you can see how they set your claim up for denial.  It is important that you retain an experienced ERISA disability attorney to perfect an appeal that addresses point by point, blow by blow, every ground the carrier has raised to wrongfully deny your long-term disability benefits.

They may have had you have an Independent Medical Evaluation, a Functional Capacity Evaluation, or taken your statement in an effort to find a reason to justify their claims denial.  There are specific strategies that can be employed to fight denial based on the carrier’s use of an Independent Medical Evaluation or vocational evaluation.

Many times long-term disability carriers will combine your statement with surveillance and try to trap you into admitting that you are capable of working or that you exaggerated your limitations.

Don’t be intimidated by the long-term disability carrier!

Once you have exhausted the 180-day appeal period, you may sue in Federal court if the long-term disability carrier has refused to reinstitute your benefits.

Many long-term disability carriers don’t make it easy to be civil to get the continued benefits you deserve.  If a severe medical condition makes it impossible for you to work, and the long-term disability carrier has now denied your benefits after many years of making payments, ERISA disability attorney Nancy Cavey can help cut through the red tape and fight for your benefits, no matter where you live in the United States.  Contact her today at 727-894-3188.

CERVICAL DYSTONIA AND YOUR RIGHTS TO LONG-TERM DISABILITY BENEFITS

Cervical dystonia, known as spasmodic torticollis, is characterized by neck muscles that contract involuntarily, causing abnormal movements in posture of the head and neck.  Spasms in the neck muscles or pinched nerves in your neck can result in pain and discomfort.  It can even spread into the shoulders.

One of the most effective treatments for cervical dystonia is Botox injections into the muscles, and oral medication.

Treatment can also involve selective denervation surgery and even deep brain stimulation surgery.

If your physician has told you that you are unable to work as a result of cervical dystonia, and you purchased a long-term disability policy from a private insurer or have coverage through an employer, you may be entitled to long-term disability benefits.  Unfortunately, long-term disability carriers don’t make it easy for a policyholder who has cervical dystonia to get the disability benefits they deserve.  If spasmodic torticollis has made it impossible for you to work and you have been denied your long-term disability benefits, ERISA attorney Nancy Cavey can help you cut through the red tape and fight for your benefits no matter where you live in the United States.

Contact her today at 727-894-3188.

Is The Clock Ticking On Your ERISA Long Term Disability Benefits?

The clock is ticking on your ERISA long-term disability case.  Getting your long-term disability benefits can be challenging.  If you have been diagnosed with a medical condition and have applied for and been denied your disability benefits, you need to understand that the clock is ticking.

Retirement Income Security Act – Most long-term disability policies offered by employers are governed under the Employee Retirement Income Security Act (ERISA).  If you have been denied long-term disability ERISA Long Term Disability Benefit Claimsbenefits, or your benefits were terminated, you will have 180 days to appeal the insurance company’s denial.  The appeal process is a crucial part of winning your disability claim.  Why?  If you have to file a lawsuit, a Federal judge will review the information in the long-term disability carrier’s file and what you submitted.

However, if you have never gotten the carrier’s file, including the adjusting notes, you have no clue what the real basis of the carrier’s denial was and how you can go about crafting a winning appeal.  Simply having your doctor say you are unable to work won’t cut it.

That’s why it is so crucial that you hire an experienced ERISA lawyer.  Not every lawyer has handled an ERISA disability case, so a family lawyer, criminal lawyer, or even a personal injury lawyer doesn’t have the experience necessary to understand the ERISA disability claims denial process.

Need A ERISA disability attorney?

If your medical condition makes it impossible for you to work and you have been denied your ERISA long-term disability benefits, Nancy Cavey, an ERISA disability attorney, can help you cut through the red tape and fight for your benefits no matter where you live in the United States.  You can learn more about the games long-term disability carriers play by ordering “Robbed of Your Peace of Mind?  Important Information on Long Term Disability Insurance Policies, the Claims Process, and How to Win Your Long Term Disability Benefits.”  You owe it to yourself and your family to understand the long-term disability claims process, ERISA disability denials, ERISA lawyer disability benefits denial.

When Pain Makes You Unable to Work, We Show You How to Get Your Long Term Disability Benefits

Pain can be a monkey on your back that prevents you from working. You might have pain as a result of chronic migraines or a herniated disk that causes back or leg pain. There are an estimated 160 million sufferers of chronic pain in the United States according to the Institute of Medicine. If your doctor has told you that you are unable to work as a result of chronic pain, you may be entitled to long term disability benefits. You can learn all about the long term disability claims process and your rights to wage payments by ordering your free, no obligation copy of Robbed of Your Peace of Mind. The long term disability application and appeal process can be confusing and you need assistance.

Unable to Work and Looking For Long Term Disability Benefits?

Give us a call today. The consultation is free and information provided will help you decide if you have a claim or not.

If Chronic Migraines Make it Impossible for You to Work, We Can Explain Your Rights to Long Term Disability Benefits

If a chronic migraine situation results in disability, and you are enrolled in a group or individual long term disability policy, you may qualify to receive lost wages under the long term disability system. Did you know that the ratio of women to men suffering severe pains from migraines is two to one? It is important that you set realistic expectations with your doctor about treatment outcomes. There might not be a cure to your migraine headache andChronic Migraines Long Term Disability physicians will work with you to find the right treatment regimen that will make you more functional.

If your physician doesn’t think you are able to work because of migraine headaches, and you are enrolled in a group or individual long term disability policy, you should apply for long term disability benefits. Long term disability carriers do not make it easy for migraine sufferers to get long term disability benefits. If you have applied for long term disability benefits and have been denied migraine lost wage disability benefits, Attorney Nancy Cavey can help you cut through the red tape and fight for your benefits no matter where you live in the United States.

Get Help From Chronic Migraines – Long Term Disability Benefits

Give us a call today at 727-894-3188 to talk with a migraine disability lawyer who may be able to help you win your claim for disability benefits.

The Truth About Getting Long Term Disability Benefits for Prostate Cancer

If you are suffering from prostate cancer that has resulted in you being unable to work and your claim for long term disability benefits has been denied, you should consult with a prostate cancer long term disability attorney.

Many long term disability carriers will initially pay disability benefits for prostate cancer but, post-operatively, terminate their benefits on the basis that you are now able to return to work. Unfortunately, there can be many complications from prostate cancer and including problems with the side effects of radiation or medication. Those side effects alone can be the basis of continuing long term disability benefits.

Unfortunately, long term disability carriers don’t make it easy for their long term disability policy holders who have prostate cancer to get the benefits that they deserve.

If your oncologist has told you that you are unable to work as a result of prostate cancer and you have been denied your long term disability benefits, contact prostate cancer disability attorney Nancy Cavey to help you secure the benefits that you’ve purchased. It doesn’t matter where you live in the United States, disability attorney Nancy Cavey can be of assistance, you can contact her at 7278943188.

 

Insider Secrets About Long Term Disability Carriers Estimate Your Life Expectancy in Determining How Much to Offer You in a Buyout

If you’ve been receiving long term disability benefits during an any occupation period, a long term disability carrier might approach you about “buy out”. They are, in other words, offering to buy out your policy by offering you a lump sum of your benefits, reduced to the present value and based on your life expectancy.

Long term disability carriers have accuracies who do nothing but crunch numbers about a persons life expectancy.

These factors will include:

  1. Your family and medical history.
  2. Your blood pressure
  3. Age
  4. Weight
  5. Gender
  6. Diet
  7. Alcohol use
  8. Drug use
  9. Smoking use
  10. Medical condition
  11. The extent and nature of the treatment that you’ve receive for the medical treatment.
  12. The interaction of the drugs that you are taking
  13. National statistics on reduced mortality rates for people who have similar medical conditions.

 

If you’ve been offered a buy out of your long term disability benefits, you should consult Florida long term disability attorney Nancy Cavey who can help determine whether the buy out of your long term disability policy is in your best interest.

Unfortunately, long term disability carriers don’t make it easy for you to understand how they’ve calculated the value of your file and whether or not the buy out is in your best interest. Nancy Cavey, long term disability buy out attorney, is going to assist you no matter where you live in the United States.