LongTermDisabilityandERISAblog.com

MS Awareness Week! Move It!

Nancy Cavey — Tue, 09 Mar 2010 14:16:52 +0000

March 8th through the 14th is MS Awareness Week! Help spread the word of trying to make the world MS free.

Multiple sclerosis (or MS) is a chronic, often disabling disease that attacks the central nervous system (CNS), which is made up of the brain, spinal cord, and optic nerves. Symptoms may be mild, such as numbness in the limbs, or severe, such as paralysis or loss of vision. The progress, severity, and specific symptoms of MS are unpredictable and vary from one person to another. Today, new treatments and advances in research are giving new hope to people affected by the disease.

A dedicated site for the Move It campaign can be found here. To help spread the word, this website also features downloads and images to help get the message across. It also features events to help promote the fight of MS like Walk MS , Bike MS and volunteer offers.

Important Fibromyalgia Information Online | Long Term Disability Claim for Fibromyalgia

Paul Revere and UNUM Provident Claim’s Denial Tactics | UNUM Long Term Disability Denied Attorney

Nancy Cavey — Thu, 04 Mar 2010 16:17:03 +0000

UNUM and Paul Revere have been found to have engaged in “conscious course of conduct firmly grounded established company policies that disregard the rights of insured’s,” Hangarter v. Provident Life An Accident Insurance Company, 373f.3d998, 1014 (9^th Circuit 2004).

A jury returned a punitive verdict at over $10 million against UNUM Provident and Paul Revere finding that Provident had used round table reviews involving claim’s personnel, medical staff, vocational staff, legal counsel and management personnel. These round table reviews were focused on high indemnity claims, all notes about who participated in the meeting, what was discussed and the basis for any decision were destroyed. UNUM and Provident tried cloak these round table discussion “with the attorney client privilege in order to insulate the claim’s decision basis from review”.

If you are UNUM Provident policyholder and your claim has been denied as a result of a round table review, you should consult Nancy Cavey, UNUM Provident Long Term Disability denied attorney who knows all about UNUM Provident’s tactics to deny the rightful claims of Long Term Disability policyholders. Contact Nancy Cavey Now or call us today at 727-894-3188 to discuss your claim.

Can I Get Both Workers’ Compensation and Short and Long Term Disability Benefits?

Nancy Cavey — Tue, 02 Mar 2010 15:22:21 +0000

Well, the real answer is that it depends! Many Short and Long Term Disability policies can provide for both the receipt of both Workers’ Compensation and disability benefits. Others will take a complete reduction of benefits, while others will pay a monthly minimum. How does this work?

To figure the amount of your monthly benefits for Long Term Disability benefits Nancy Cavey, Florida Long Term Disability and Workers Compensation attorney does the following:

1. Multiply your Long Term Disability basic monthly earnings by the benefit percentage shown in the policy.

2. Take the lesser of the amount: a) determined in step one, b) maximum monthly benefit shown in your policy.

3. Deduct any income benefits, which can include Workers Compensation benefits.

That’s confusing isn’t it?

Real numbers always help:

A $3,000 monthly wage, Long Term Disability benefits 60% or $1,800 per month, Workers Compensation benefits are $1,000 per month, Social Security benefits are $1,000 per month.

After your offset, you would be entitled to a minimum monthly payment which can be anywhere from $50 to $100 per month.

Is that worth pursuing? Yes! Because you potentially are entitled to Long Term Disability benefits.

It is important that you read your Short and Long Term Disability benefits and consult with a lawyer, such as Nancy Cavey, who handles Short and Long Term Disability, Workers Compensation and Social Security Disability claims. She can help you integrate all of these benefits and help you through the minefield of Workers Compensation, Short and Long Term Disability and Social Security Disability benefits.

Disability Claim’s Denied Video Surveillance | Don’t Let This Happen To You

Nancy Cavey — Tue, 02 Mar 2010 15:08:02 +0000

Video surveillance, under the right circumstances can provide an overwhelming reason for the Long Term Disability carrier to deny your Long Term Disability claim. It can also capture a mere snapshot in your life and fail to reveal the complete picture of your disability. Surveillance may show you at a family gathering but not show the resulting excruciating pain and misery you suffer.

If you claim that you have difficulties with walking, bending, carrying, and lifting, you are most certainly going to be the subject of surveillance.

Make sure that what you are recording on your Activities of Daily Living form is consistent with what you are telling your physician.

As I have emphasized in the past, if the Long Term Disability carrier calls to take your statement on the surveillance film on you, you should never give your statement without representation. If you suspect that you have been the subject of surveillance or the Long Term Disability carrier schedules a telephone conference or meeting with you, contact Long Term Disability benefits denied lawyer, Nancy Cavey.

Ms. Cavey, Florida’s Long Term Disability attorney has written the guide “Robbed of Your Peace of Mind” in order to help better prepare you for your Long Term Disability claims process. Be sure to get it today before you make a mistake that could caught on tape.

What is the Present Value of My Long Term Disability Benefits?

Nancy Cavey — Thu, 11 Feb 2010 18:12:12 +0000

I explain present value in several different ways. It can be considered that money today is worth more than the money we get tomorrow. In other words, if you get $10 today and invest it at a percentage for twenty years, it may yield $15.00, if you get $10 in fifteen years it’s still $10.00.

Would you prefer $10 today or $10 in fifteen years?

In evaluating Long Term Disability claims we will look at the total amount of benefits due over the life of the policy and then reduce it to present value. In other words, what is your policy worth today as opposed to over the life of your plan?

Another way to look at it is if you have won the $20 million jackpot and you want it now, you’d only get $6 million or you can get the entire $20 million by waiting and getting it over time. Present value is what that $20 million jackpot is worth today.

If you have questions about the value of your Long Term Disability case, contact ERISA disability attorney, Nancy Cavey, who handles ERISA Long Term Disability claims in the Southeastern United States including Florida, Georgia and Alabama.