The Truth About Drug Resistant Hyper-Tension and Your Right to Long Term Disability Benefits

If you are suffering from drug hyper tension has resulted in you being unable to work, you may be entitled to long term disability benefits.

MSN health reports that those who have drug resistant hypertension may benefit from nerve block treatment that can help can your blood pressure back to normal. This study shows that 39% of the patients were able to go their blood pressure back to proper levels. We hope, at Cavey and Barrett, that there will be additional clinical trials to help those that have drug resistant hypertension. Hypertension Long Term Disability

If your physician has told you that you are unable to work as a result of drug resistant hypertension and your long term disability claim has been denied, Nancy Cavey, can help you get the long term disability benefits you rightly deserve, no matter where you live in the United States. Contact ERISA disability attorney today at 7278943188.


If You Don’t Protect Your Income Earning Ability By Getting Disability Insurance, You will Hate Yourself Later

What is your most valuable asset? No, it’s not your home or your car! It’s your earning power. What would you and your family do if you could no longer work?

Protecting your income earning ability should be a priority! Yes, a priority. Statistic show that that over 70% of working Americans have no disability coverage and 3 in 10 Americans will become disabled at some pointProtect Your Income Disability before they retire. In addition, 60% of all personal bankruptcy result from the inability to pay for medical expenses or the loss of a job.

Don’t overlook your need for disability insurance. Group disability insurance policies offer 50 to 60 percent of your income. Is that enough to maintain your lifestyle? Probably not. You should also understand that your group insurance benefits may be taxable and that there may be deductions from your disability benefits such as Social Security Disability benefits.

You should consider having group disability insurance coverage wrapped around an individual disability policy or, alternatively, purchasing an individual disability policy. Can it be expensive? Yes, it is, but the cost of the disability policy is just a small price to pay if you are disabled and unable to support your family. Don’t make the mistake of thinking that your Social Security Disability benefits will be sufficient to live on if you are unable to work. It takes 16 to 18 months to get a hearing in front of an Administrative Law Judge. Can you and your family live on that? I doubt it.

You should contact an individual disability agent to learn more about disability insurance. You can order your no obligation copy of Robbed of Your Peace Mind to learn about what disability terms you don’t want to see in any disability policy.

Learn How Easily Carriers Like UNUM Have Denied Mental Illness Claims

UNUM has been the subject of a national lawsuit as a result of it’s claims handlings which is ultimately settled. But unfortunately, UNUM continues to engage in questionable claims handling process.

Ilness Disability Claims

Ilness Disability Claims

Many UNUM policies have a provision that provides that the long term disability claims can be terminated under a mental nervous limitation. Most mental nervous limitations provide that benefits will be paid for two years at which time the benefits will be stopped.

While we understand that policy limitation, what happens if the UNUM policy holder has a herniated disc which causes depression or anxiety. Obviously it’s the physical condition that is causing these difficulties. UNUM has been using the mental nervous limitation to deny the payment of long term disability benefits after the conclusion of the two year mental limitation period. UNUM disability claims denied attorney Nancy Cavey, deplores UNUM use of the mental nervous limitation to deny the payment of disability benefits where UNUM policy holders have physical conditions like herniated discs causing depression or other psychological problems.

Nancy Cavey offers a free, consultation for any UNUM policyholder to learn more about their rights to disability benefits. Give us a call at 727-894-3188.


If You Have Been Diagnosed with Osteomyelitis You Should Immediately Apply for Osteomelitis Short and Long Term Disability Benefits

Osteomyelitis is an infection of the bone and symptoms include:osteomyelitis Long Term Disability

  • Fever and chills
  • Pain in the area of infection
  • Swelling over the area of the infection

If you have had any of these symptoms, you should immediately see a physician. Nancy Cavey, an osteomyelitis long term disability attorney, often sees cases of osteomyelitis caused by staphylococcus bacteria which is a germ commonly found on the skin or even the nose of healthy individuals.

This bacteria can enter the bone as a result of a severe fracture or puncture wound that gives infections a route to enter into your bone. Additionally, surgery to repair broken bones or even joint replacement surgery can accidentally result in osteomyelitis. If you have been diagnosed with osteomyelitis, you most likely will require surgery to remove parts of the infected bone that have died. You will have strong course of antibiotics which is delivered intravenously over six to eight weeks.

If your claim for short or long term disability benefits as a result of osteomyelitis has been denied, you should contact osteomyelitis long and short term disability attorney, Nancy Cavey, who practices throughout the state of Florida and the United States.

Don’t let your long term disability carrier rob your peace of mind if you have been diagnosed with osteomyelitis and later denied the pain for your short or long term disability benefits.

You Don’t Have to Be a Genius to Understand Mediation in a Long Term Disability Case

If your long term disability claim has been denied and you file a lawsuit in Federal Court will be required to attend a mediation.Mediation Genuis Long Term Disability

What is a mediation? The court will appoint or the parties will agree that a neutral third party, called a mediator, will bring the parties together in an effort to reach an agreement for settlement of claim for back benefits or even a settlement for your entire long term disability claim.

Remember, the mediator isn’t a judge and doesn’t have the authority to say that you win or lose, only you and the long term disability carrier can reach an agreement about settlement.

Don’t Be Surprised if Your Long Term Disability Benefits are Denied Soon After You Receive Social Security Disability Benefits

One of the most pervasive claims practices that I’ve seen in the course of my disability practice is long term disability carriers playing both sides! What do I mean? Many long term disability policies require that youSurprised by Long Term Disability Benefits apply for Social Security Disability benefits. And, if you don’t, they’ll reduce your long term disability benefits based on an estimate of what they think you would receive in Social Security Disability benefits.

It gets worse! Many disability policies have provisions that allow the disability insurance company to reduce or even eliminate disability benefits if you receive what’s called “other benefits”. Those can include Social Security Disability, workers’ compensation benefits, retirement benefits, even a 401k distribution.

More often than not, the long term disability carrier will suggest that you hire a company like Allsup which are paid by the long term disability carrier to assist you in getting your Social Security Disability benefits. And, guess what? As soon as you get those disability benefits the long term disability carrier will cry “overpayment” and allege that they have overpaid you benefits because you have received both long term and Social Security Disability benefits. What’s even more amazing is that the long term disability carrier will soon find a reason to deny any further disability benefits claiming that they have over paid you and they don’t owe you anything.

This situation happens more often then we’d like to see. Before you file a claim for disability benefits or before you retain the services of a Social Security representative recommended by the long term disability carrier, get a free no obligation consultation regarding your rights to long term disability benefits and the impact Social Security might have on those benefits. You can contact long term disability attorney, Nancy Cavey, for a free, no obligation thirty minute consultation. 727-894-3188.

If You Don’t Pursue Your Long Term Disability Claim for Multiple Sclerosis Now, You’ll Hate Yourself Later

In the United States there are over 400,000 people with MS and over 200 new cases are diagnosed each week. If you have a long term disability policy you should consider applying for long term disability benefits. MS is a chronic, often debilitating disease that can attack your brain, spinal cord, and optic nerves.

This can cause numbness in your limbs, fatigue, motor weakness, poor balance, heat sensitivity, pain, cognitive impairments, mood disorders and even paralysis or loss of vision.

Unfortunately, as many as 50% of people with MS are unable to work because of their disability. If you have been diagnosed as having MS and have a long term disability policy, you should consult a MS long term disability attorney to assist you with your long term disability application.

If you have applied for long term disability benefits because of disability caused by MS and/or complications and were denied, you should immediately consult with a reputable MS long term disability lawyer. Why? You will have 180 days from the date of your denial in which to appeal the denial of your MS long term disability claim. Regardless of how strong your physician supports your claim, you will need to the assistance of a qualified MS long term disability attorney to assist you in the claims and appeal process. If you don’t, you will hate yourself later when the time for the appeal of your denial has lapsed.

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