Has Your Long Term Disability Claim Been Denied When the Carrier Used the Wrong Expert for Your Medical Condition?

Long Term Disability carriers will routinely have a Long Term Disability claim reviewed by a panel of hired gun medical reviewers. We see these same reviewers time and time again.

One of the most common mistakes Long Term disability carriers make is to use the wrong medical expert for the medical condition that is being claimed. Now that sounds dumb doesn’t it?

The Florida federal regulations, which governs ERISA claim’s handling requires that the Long Term Disability carrier consult with a health care professional that has “appropriate training and experience in the field of medicine involved in the medical judgment,” 29 c.f.r. section 2560.503-1 (h)(iii).

Unfortunately, it’s not uncommon for Long Term Disability carrier’s who are evaluating Fibromyalgia or chronic fatigue cases to use physicians who have no expertise in those areas.

Nancy Cavey, Florida Long Term Disability Denied lawyer, checks the medical and professional background of any health care professional used by the Long Term Disability carrier in a claim’s denial to ensure that the carrier, in fact, used the right expert for your medical condition.

If you believe that the Long Term Disability carrier has denied your claim by using the wrong expert for your medical condition immediately contact Tampa Bay Long Term Disability Attorney Nancy Cavey.

I am Getting Long Term Disability Benefits and Social Security Benefits: What is Taxable?

At Cavey and Barrett we see this issue all the time and, quite frankly, there doesn’t seem to be a uniform approach to this issue among Long Term Disability carriers.

If you have to use all or part of your Social Security back payment to reimburse a Long Term Disability carrier, there is special tax relief available under section 1341 of the Attorney of Revenue Code. Nancy Cavey, an experience Long Term Disability attorney, suggests that you see IRS publication 525.

If a repayment to the Long Term Disability carrier is under $3,000, you will get a deduction on your current tax return. However, for repayments over $3,000, the tax payer can choose either the reduction or tax break for the excess tax paid in the prior year.

Unfortunately, we see Long Term Disability carriers issuing 1099’s that cause “phantom” taxable income. Sometimes it takes months to get this issue resolved with the Long Term Disability carrier.

Nancy Cavey, an experienced Long Term Disability attorney can answer your basic questions regarding the taxability of your Long Term Disability benefits.

Picking The Right Long Term Disability Denied Insurance Claim Lawyer in Florida

When I was in Junior High School my Father who was co-owner of an insurance brokerage business in Baltimore, became disabled. He filled out his own disability insurance claim form and, every month, would take disability forms to his treating physicians to complete. I remember that my mother worried each month that my father’s treating doctors wouldn’t fill out the form or that the carrier wouldn’t pay the disability benefits.

 While the Long Term Disability carrier did pay my family disability benefits that were due, things have changed since the seventies.

 In today’s world, disabled individuals around the United States need legal representation in the disability claim’s process.

Mistakes can be made in completing your disability application by picking the wrong date of disability or not accurately explaining your disabling conditions. Disability adjusters or nurses will call you noting every word that you say and record statements that will be used against you at a later date.

Long Term Disability carriers will have you fill out activities of daily living forms, not because they are interested in your physical abilities but rather, to compare what you report on those activities of daily living forms to what your doctors report in your medical records. Disability carriers aggressively use surveillance in an effort to track you by showing that you are not telling the truth about your physical activities.

Nancy Cavey can assist you in the disability claim’s application process, teach you how to fill out activities of daily living forms and how to manage a disability claim’s process for maximum success.

Nancy Cavey has a staff of disability claim’s professionals who assist you in the disability claims and denial application process.

With a lifetime of practical experience, as the daughter of a disabled individual, and as a lawyer who has been practicing in the disability field since 1980, Nancy Cavey pursues all aspects of a disability claim and brings it to a resolution at the earliest possible date.

Clients around the United States have relied on Nancy Cavey to assist them in their disability claim. Ms. Cavey prides herself on managing and pursuing each claim on an individual basis and finding the right solution for your case. If you need to talk to Nancy Cavey today, call 727-897-9117 now!

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