Frequently Asked Questions About Short And Long Term Di | LongTermDisabilityandERISAblog.com

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.

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FAQ: My Claim Has Been Denied, but I Can’t Find the Policy Language, What Should I Do?

There is not a uniform Long Term Disability policy in the United States. Every policy is different. Unfortunately, disability claim’s examiners will deny Long Term Disability claims and use the wrong policy information to justify its denial.

At Cavey and Barrett we always check the Long Term Disability plan against the denial letter.

You should always review your Long Term Disability claim denial letter and compare it against the language that is actually in the policy. Not always that the language quoted in the denial letter about what your policy says is, in fact what your policy really says!

At Cavey and Barrett, your Florida Long Term Disability denied lawyers, we verify if the Long Term Disability administrator has utilized the correct policy language in a claim’s denial. If you have any questions regarding your Long Term Disability policy language or your claim’s denial, contact Nancy Cavey.

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Your Long Term Disability carrier’s selective review of your medical evidence Cherry picking your medical records on your Florida denied disability benefits

Nancy Cavey, Long Term Disability denied attorney, often finds that Long Term Disability carriers have “cherry picked” medical records in justifying its claim’s denial. The claim’s administrator often doesn’t accurately and completely summarize your medical evidence but rather includes only portions of the medical records that supports their claim’s denial.

The 11th Circuit, which deals with Long Term Disability claims in Florida, Georgia and Alabama has recognized that the failure to renew relevant medical evidence in support of a claim is arbitrary and capricious and could be grounds for a claims reversal. Oliver v. Coca Cola Company, 497f3d.1181, 1199 (11th Circuit 2007).

If your medical records have been cherry picked and your Long Term Disability claim denied in Florida | St. Petersburg, contact Long Term Disability claim denial attorney, Nancy Cavey.