Why Do Long Term Disability Carriers Require You to Apply for Social Security Disability Benefits?

If you have a long term disability policy, look closely at the policy to see whether there is a provision that requires you to apply for Social Security Disability benefits. Disability insurance is intended to replace part of your income and it is not intended that you will receive 100% of your pre-disability income from all sources including Social Security Disability.

One of the reasons that all long term disability policies require an off set for Social Security Disability benefits, is to prevent you from getting 100% or more of your pre-disability earnings. However, the real reason is that the Social Security Disability offset allows employers and employees to purchase affordable group long term disability benefits. According to the American Council Life Insurers, estimates show that without offsets the premiums for group disability insurance would be increased by at least 40% and even up to 100%.

Need More Help With Your Long Term Disability Benefits?

Quite frankly, long term disability attorney Nancy Cavey rather not see a Social Security Disability offset in any policy, even if it means increased premiums. Would that mean that fewer people would have group insurance benefits? Probably, but once a long term disability applicant understood the impact of the Social Security Disability offset, they would understand that why it is wiser to pay an increased premium than to have a reduction in the Social Security Disability benefits. Unfortunately, Social Security Disability offsets will rob many policy holders of their peace of mind who that they purchased a long term disability policy to provide them with income replacement. The reality is that it is only a replacement ratio of pre-disability income and Social Security will contribute to satisfy that replacement ratio.

Chronic Back Pain and Your Rights to Long Term Disability Benefits

Do you have chronic back pain on a daily basis? Doing the simplest of tasks around the house or at work can be difficult, painful and down right unbearable. Unfortunately, surgery may not relieve your back pain and despite physical therapy, injections and even surgery, you may still have chronic back pain.chronic back pain long term disability

According to the National Institute of Health, Americans spend over $50 billion every year to treat aching, sharp, burning, numbness and tingling back pain. If you have had those symptoms for more than six months, you have chronic back pain.

That chronic back pain can also cause fatigue, sleepiness, anger, anxiety and depression.

If you have chronic back pain and your physician has told you that you are unable to work, and you have purchased a private disability policy or have been provided long term disability coverage with your employer, you should contact a long term disability attorney who can explain to you the long term disability claim’s process and what you need to prove to be entitled to long term disability benefits.  Call Tampa Bay chronic back pain long term disability attorney Nancy Cavey today at 727.894.3188 for your free no obligation consultation.

Yellow Book Employees Are the Victims of CIGNA Disability Denials

Recently at the Law Offices of Nancy Cavey, we have seen a trend where Yellow Book employees who file a claim are being denied disability benefits. Why? It appears as if Yellow Book has changed long term disability carriers to CIGNA from Northwestern Mutual. Now that CIGNA doesn’t insure Yellow Book, it tempting to get rid of claims with the company. If you are a Yellow Book company who’s long term disability claim has suddenly been denied, you should contact disability attorney Nancy Cavey who can help Yellow Book employees throughout the United States get the disability benefits that they deserve.

Call today at 727.894.3188.

The Tie Between Diabetes and Heart Attacks and Your Rights to Long Term Disability Benefits

Did you know that you may qualify for long term disability benefits if you suffer from diabetes or have had a heart attack? If your physician has told you that you are unable to work, long term disability benefits can provide you with peace of mind when you are unable to work.Diabetes Long Term Disability

A report from Medline indicates that if you are a diabetic, your risk of having a heart attack can be connected to how long you suffer from diabetes. According to Medline, men who have Type 2 diabetes for longer than 17 years are twice as likely to suffer a heart attack as those who do not have the disease. The risks are even similar to those who have already had a heart attack in the past.

In fact, researchers found a significant increase in a chance that a man who had suffered from cardiovascular problems if they have had a disease for as little as eight years. Men who have a late onset diabetes averaging five years with disease had a 54% greater risk of suffering a heart attack or dying prematurely.

If your physician has diagnosed you with diabetes, you may have developed a number of other medical problems including heart disease.

You should consult with a long term disability attorney to determine if you are eligible for long term disability benefits because the long term disability carriers do not make it easy for those that are disabled as a result of heart disease or diabetes to get the benefits that they deserve. If you have been denied your long term disability benefits, Nancy Cavey can help you cut through the red tape and fight for your benefits no matter where you live in the United States.

Alzheimer’s Disease May Be Held at Bay with Insulin

If Alzheimer’s has resulted in your disability or that of a family member, you may be entitled to receive long term disability benefits if you have purchased a disability policy from a private insurer or have coverage through an employer.

A study published in the Archives of Neurology has found preliminary evidence that squirted insulin deep into the nose where it travels to the brain may hold early Alzheimer’s disease at bay. New York Times Gina KalapaAlzheimers Disease Long Term Disability September 13, 2011.

According to Dr. Susan Kraft, who is the Director of the Memory Disorder Clinic at the Veterans Affair Puget Sound Health Care System, brain cells need insulin. Diabetes and even untreated high blood pressure are associated with an increased Alzheimer’s and each of these conditions causes the body to make too little insulin. Scientists have reasoned that the more insulin can be put into the brain’s of people diagnosed with Alzheimer’s, their memories ability to function might improve.

Scientist will continue to study how a spray of insulin deep into the nose using Kurv technology will result in a long term memory improvement.

Need a Alzheimers Disease Disability Lawyer At Your Side?

Consulting with a long term disability attorney should be the next step if you or a family member have been diagnosed with Alzheimer’s or degenerative brain disease. Unfortunately, long term disability carriers don’t make it easy for those disabled by Alzheimer’s to get the long term disability benefits that have provided many in their family peace of mind. If Alzheimer’s or degenerative brain disease 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 benefits no matter where you live in the United States. Contact Alzheimer’s disability attorney Nancy Cavey today at 7278943188.

Brain Aneurisms and Your Rights to Long Term Disability Benefits

If you purchased a long term disability policy from a private insurer or an employer, you may be entitled to disability benefits if you have been diagnosed with an aneurism. What is an aneurism, I like to think of it as a bulge in a balloon. The bulge exists in the balloon because the balloon is thin along the wall. Much like a balloon, an aneurism is inflated blood flow part in the artery that has been created because of the weakness in the artery wall. Did you know that you can have aneurism in your heart, brain and in your stomach?

Common aneurisms include aneurisms of the heart and major branches of your heart.

A ruptured brain aneurism can result in double vision, speech problems and even cognitive issues. The physical impact of an aneurism can be devastating and an inability to maintain concentration, to speak clearly, to concentrate, to follow instructions may be enough for you to be successful in your long term disability claim.

If you suffered from aneurism of the aorta or a brain aneurism, you should apply for long term disability benefits. Remember however, that your long term disability carrier will not make it easy for you to get the benefits that you paid for. If you suffer from an aneurism that makes it impossible for you to work and you have been denied long term disability benefits, aneurism disability attorney Nancy Cavey will help you cut through the red tape and fight for your benefits no matter where you live in the United States.

Celiac Disease and Your Rights to Long Term Disability Benefits

If you have purchased an individual group long term disability benefits and have been diagnosed with celiac disease that causes you to be unable to work, you may be entitled to long term disability benefits. Did you knowCeliac Disease Long Term Disability that the common symptoms of celiac disease are:

  1. Abdominal cramping and bloating
  2. Abdominal distention
  3. Acidosis
  4. Back pain
  5. Constipation
  6. Decreased ability to clot blood
  7. Muscle cramping in the hands or legs
  8. Night blindness
  9. Diarrhea
  10. Energy loss
  11. Fatigue
  12. Weakness
  13. Weight loss

Your long term disability carrier isn’t going to make it easy for you to get your disability benefits. To learn more about your rights to long term disability benefits by ordering a free, no obligation copy Robbed Of Your Peace of Mind.  Fill out the form to the right of this page to get your free book.

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