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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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  • 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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Tag Archives: Long Term Disability

Heart Health and a Fiber Rich Diet

Did you know that heart disease can be a life threatening condition? According to the Science Blog, young and middle age adults who consume a fiber rich diet can significantly lower their risk of heart disease. Adults between theFiber Rich Heart Disease ages of 50-59 who made fiber a regular part of their diet were found to have a lowered lifetime risk of heart disease in comparison to those who have a low fiber diet. The lifetime reduction in the risk for heart disease is an important finding.

Because heart disease is so wide spread in the United States, your physician may have told you that you are unable to work. Long term disability benefits might be available to you if you have purchased a disability plan from a private insurer or have coverage through and employer. Unfortunately, long term disability carriers don’t make it easy for those disabled because of cardiac disease to get the benefits that they deserve. If you want to learn more about your eligibility for long term disability benefits as a result of a cardiac disease, contact Nancy Cavey. If you have been denied your long term disability benefits because of cardiac disease, 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.

Repayment of Your Long Term Disability Overpayment

When you applied for long-term disability benefits, your carrier may have referred you to a company like ALLSUP to help you get your Social Security disability benefits.  They also will ask you to do a direct deposit of any Social Security disability benefits to your bank account.  But, guess what?  The authorized  agreement that you sign will allow for a one-time electronic withdrawal from your account.  The money is then forwarded to the disability carrier.  But, of course, that assumes that the calculation of any overpayment is correct.

While many long-term disability policies do require repayment of long-term disability benefits as a result of the receipt of Social Security benefits, mistakes can be made in the calculation of those benefits.

Nancy Cavey, long-term disability overpayment attorney, suggests that you don’t use a company like ALLSUP to help you with your Social Security disability claim because it is not uncommon for conditions to be developed, such as mental conditions that will allow the carrier to suspend your benefits after two years, despite the fact that you might have other medical conditions.  And, worse yet, you are giving them the power to withdraw from your bank account the receipt of any Social Security disability benefits.

You owe it to yourself to make sure that any alleged overpayment that is calculated is in fact correct.  The carrier will suggest to you that they will reduce your benefits by the receipt of any overpayment until it is recouped.  While they certainly have the right to do so, you want to make sure that you only pay what is actually due and owing.

Long-term disability carriers don’t make it easy to get your long-term disability benefits, and if your long-term disability claim has been denied, contact Nancy Cavey today. She can help you get the benefits you deserve no matter where you live in the United States.

Gene Therapies Trained to Kill Cancer

In a bold new experiment at the University of Pennsylvania, doctors removed a billion of William Ludwig’s T-Cells. T-Cells are white blood cells that fight viruses and tumors. The T-Cells were given new genes that were programmed to attack his cancer. The altered cells were then dripped back into Mr. Ludwig’s veins and, after a few weeks, his leukemia was gone.Leukemia Disability Claim Attorney

According to an article in the New York Times: Science Times there was “no trace of it anywhere, no leukemic cells in his blood or bone marrow, no more bulging lymph nodes on his CT scans.” This treatment was described recently in the New England Journal of Medicine and Science Translational Medicine. It may be a significant turn in a long struggle to develop effective gene therapies against cancers and the HIV-1 virus that causes AIDS.

If your leukemia has prevented you from working for a long period of time or you are in treatment, you may be entitled to receive long term disability benefits if you have purchased a disability plan through a private insurer or have coverage through an employer.

Unfortunately, long term disability carriers don’t make it easy for those with leukemia or HIV to get the disability benefits that they deserve. We, at Cavey and Barrett, applaud the bold experiment at the University of Pennsylvania run by Dr. Carl June.

If you are fighting your long term disability carrier while you are fighting your leukemia, Nancy Cavey, can help you cut through the red tape and help you fight for your benefits no matter where you live in the United States. Nancy’s father, who died of leukemia, had a USFGI disability policy, she knows first hand what it is like for a leukemia sufferer to tackle the long term disability claims process.

Call today at 727.894.3188.

**Cite: The Science Times: New York Times, Tuesday, September 13, 2011. Article by Denise Grady**

Cardiac Implant Infection Increase

According to the Journal of American Cardiology, the incidence of infections in implantable cardiac devices has tripled since 1993.

If you had an infection after a cardiac implant that results in you being disabled, you may be entitled to long term disability benefits if you purchased a disability policy from a private insurer or have coverage through an employer.

The Journal of the American College of Cardiology report, indicated that the reasons for the increase in infections after a cardiac implant aren’t clear, but “a recipient’s agent current health may be a factor”August 30, 2011Heart Infection Long Term Disability Journal of the American College of Cardiology.

Consulting with a long term disability attorney should be your next step if your doctor has told you that you are no longer able to work as a result of an infection following the implant of a cardiac device.

Unfortunately, long term disability carriers don’t make it easy for the disabled to access to the benefits that they have paid for and rely on in their time of need. If you suffer from a heart infection and you have been denied your long term disability benefits. Long Term Disability 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.

You can learn more about your rights to long term disability benefits by getting a copy of Robbed of Your Peace of Mind. You can contact Nancy Cavey today at 727-894-3188 to learn more about your rights to long term disability benefits.

18,000 New HIV Cases in the United States

If you are unable to work as a result of HIV, you may qualify to receive long term disability benefits if you have purchased a disability plan from a private insurer who had coverage through an employer.

The Center for Disease Control and Prevention recently reported in a three year campaign intended to expand HIV testing and get people in to treatment, revealed more than 18,000 adults who were new to learn that they were infected.

According to Kevin Fenton, Director of CDC AIDS Prevention Center “an estimated 240,000 Americans- a fifth of the nearly 1.2 million living with HIV- don’t know that they are infected”.

If you are unable to work as a result of HIV, you should consult with a long term disability attorney. Unfortunately, long term disability carriers don’t always make it easy for those with HIV to get the disability benefits that they deserve.

If it is impossible for you to work and you have been denied your 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. To learn more about your rights to long term disability benefits, you can order a copy of Nancy Cavey’s book Robbed of Your Peace of Mind. Call her at 7278943188.

Bladder Cancer Risk Increases for Smokers

If bladder cancer prevents you from working, you may qualify for long term disability benefits.

A new study, published in the Journal of American Medical Association reports that smokers have higher odds of developing bladder cancer. In fact, current smokers are “four times as likely to develop bladder cancer,Bladder Cancer Risk Smokers compared with people who have never smoked and former smokers have 2.2 times the risk”. Source Bladder Cancer New York Times article.

Researchers at the National Cancer Institute, speculate that the increased risk might be a reflection of the use of more toxic chemicals such as Beta Naphthalene, which is known to raise the risk of bladder cancer.

You should consult with a long term disability attorney if you become disabled as a result of bladder cancer.

If you have purchased a disability claim from a private insurer or have coverage through your employer, you may be eligible for long term disability benefits but remember, the long term disability carriers don’t make it easy for those disabled by bladder cancer to get the disability benefits that they deserve.

You can learn more about your rights to long term disability benefits by ordering Robbed of Your Peace of Mind. If you have been denied your long term disability benefits, Nancy Cavey can help you cut through the red tape and help you fight for your benefits no matter where you live in the United States, contact her today at 727-894-3188.

September 21st Was World Alzheimer’s Day

Every year on September 21st, the Alzheimer’s Associations around the world recognize World Alzheimer’s Day.

The Alzheimer disease is the most common type of dimension and a collective name for degenerative brain syndromes that can affect your memory, thinking, behavior and emotions.

If you have purchased an individual disability benefits policy, you may be entitled to long term disability benefits for Alzheimer’s. It’s important that you consult with a long term disability attorney to review yourAlzheimers Long Term Disability disability policy. Why? Many long term disability policies will have limits on the coverage that will include a two year limitation on psychiatric conditions diagnosed under the DSM-IV, which is a psychiatric manual. The symptoms of dementia can include:

  1. Loss of memory
  2. Difficulty finding the right words or understanding what people are saying
  3. Difficulty in performing previously routine tasks
  4. Personality or mood changes.

It’s important that you have neuropsychological testing to document the diagnosis of dementia and consider having repeat testing as the condition advances. It’s particularly true if your long term disability policy requires objective evidence of the diagnosis before it will even consider paying benefits. If you or a family member have been diagnosed with dementia, it’s important that you begin the claim’s process immediately and that your medical records are well documented. To learn more about your rights to long term disability benefits order your free, no obligation copy of Robbed of Your Peace of Mind.

 

September is Pain Awareness Month

According to a study by the Institute of Medicine, chronic pain affects more Americans than heart disease, cancer and diabetes combined. Over 116 million Americans suffer from chronic pain.

If you have purchased a private group disability policy you might be entitled to long term disability benefits if you suffer from chronic pain.

Nancy Cavey, Florida based long term disability attorney, explains that “pain is a major consideration in many long term disability claims”. It’s important that your medical records document that there is an objective reason that you have pain and how your pain impacts your ability to run, walk, see, understand, respond and deal with pain. Many times the long term disability carriers fail to consider the impact of pain and dysfunction in evaluating a long term disability claim, dismissing those complaints as being “subjective”. If your long term disability carrier has denied your claim because of “pain”, you need to consult with an experienced long term disability attorney who can show that your pain is objectively based, is causing restrictions and limitations and impacts your ability to perform your own occupation. Don’t let the long term disability carriers denial to cause you more pain!

How Asthma May Increase Your Risk of Diabetes and Heart Disease

Asthma Long Term Disability

You May be entitled to long term disability benefits if you suffer from asthma.

Have you read the recent report from Doctors’ Lounge? Having asthma may increase a persons chances of developing diabetes and heart disease. Researchers were stunned to find a connection between asthma, diabetes and heart disease. They are not sure of the connection and obviously further research is going to be required to learn more about this connection. But, the bottom line, is that if you suffer from asthma, diabetes or heart disease and your physician has told you that you are unable to work, you should apply for long term disability benefits if you purchased a disability plan.

Nancy Cavey, a Florida long term disability attorney can guide you on your entitlement to long term disability benefits, assisting you in filing a claim and assisting you in appealing your long term disability claim if you’ve been denied and need disability benefits.

Don’t let the long term disability carrier deny you benefits. You’ve paid for your policy because you want to provide your family with peace of mind. Asthma, diabetes and heart disease disability attorney Nancy Cavey can help you no matter where you live in Florida or the United States, contact her 7278943188.

If You Are a Floridian who suffers from diabetes, You might be Entitled to Long Term Disability Benefits

According to report from US News, the southeastern United States has the highest rate of diabetes. According to the Center for Disease Control and Prevention (CDC), parts of Florida have a high incidence of diabetes.

Unfortunately, if you’ve been diagnosed with diabetes, you may also suffer from complications such as tingling or numbness of your toes or hands or the loss of sensation in your extremities. You might have diabeticDiabetes Long Term Disability neuropathy or your diabetes may have impacted other organs.

Diabetes and it’s complications may have led your doctor to tell you that you are no longer able to work.

If you have purchased an individual or ERISA long term disability policy and your doctor has told you that you are unable to work, you should apply for your long term disability benefits. If your benefits are delayed or denied, diabetes disability attorney Nancy Cavey can help you cut through carrier delay and help you get the benefits that you deserve. It doesn’t matter what part of the state of Florida that you live in, contact disability attorney Nancy Cavey to learn more about your rights to your disability benefits.