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.

The Dirty Little Secret about Nationwide ERISA Long Term Disabilty

Nancy Cavey, ERISA long term disability claim denied attorney who practices nationwide, is often asked what the disadvantages of a group long term disability policy are.Secrets about ERISA Disability Benefits

In a recent opinion Flag vs. Ali-Med, Inc., 10-10984-WGY (US District Mass 7310), a Massachusetts Federal Judge quoted an article by renowned author, Peter Stris, author of the “ERISA Remedies and Bad Faith”. Mr. Stris’ article on “ERISA Remedies and Bad Faith” quoted a long term disability insurance company executive’s memorandum who explained the dirty secret about ERISA “the advantages of ERISA [for the litigation defendant] are enormous. State law is prempted by federal law. There are no jury trials, there are no compensatory or punitive damages, the leaf is limited to the amount of benefit in question, and claims administrators may receive a deferential standard of review. The economic impact… from having [disability income insurance] polices covered by ERISA would be significant. As an example, [we] identified twelve claims situations where we settled for $7.8 million in the aggregate. If those twelve cases had been covered by ERISA, our reliability would have been between $0 and $.5 million.”

The dirty secret? Your employer will offer you a long term disability policy, that you think provides you with peace of mind, when, in fact, you should take time, investigate and buy your own individual disability insurance policy. Is it going to cost more? You bet!

But aren’t you aren’t you worth? The long term disability insurance executives honesty tells all doesn’t it?

Florida long term disability attorney, Nancy Cavey, hasn’t written the book Robbed of Your Peace of Mind which talks about the insurance company clauses that you don’t want to see in your long term disability policy.

For a free complimentary copy of her book, click here.

If your long term disability benefit claim has been denied, contact long term disability claim denied attorney Nancy Cavey before you file an appeal – Call 727-894-3188 today.

Lawyers and Their Disability Policies | Florida Disability Insurance Lawyers | Tampa Bay Long Term Disability and ERISA Lawyer

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UNUM Fourth Quarter 2008 Earnings and Florida Long Term Disability Claims Litigation Clearwater Tampa St. petersburg ERISA Disability Attorney

On February 4, 2009 there was a call with UNUM executives and a number of bank executives about UNUM’s  Fourth Quarter 2008 eanings.

There is a transcript of the call and page 12 of the 22 page transcript from Tom Watjen, President and CEO of UNUM, talks about the disability claims litigation. Watjen claims that UNUM has “worked hard to restore their reputation” and that “all of our people are very intent of being sure we take the actions to be sure that we won’t let those issues of the past… back in the business. And I fee very good about that.”

Sorry, but many UNUM long term policy holders and Cavey and Barrett, Florida long term disability lawyers, are finding that UNUM is back to its old tricks in denying valid long term disabillity/ERISA disability claims.

If you or a family member has been denied long term disability compensation benefits by UNUM or any other long term disability carrier, immediately contact Nancy Cavey, long term disability lawyer, so you can timely file an appeal.

If you have any questions, please give us a call at 727.894.3188 or contact us online by clicking here.

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Long-Term Disability Benefits and Financial Planning | Florida St. Petersburg Long Term Disabilty Attorney

At Cavey & Barrett we assist our Long-Term Disability/ERISA clients in dealing with the challenges they confront in the disability claims process.

These questions include: (1) What are my benefits when I’m going to start working? (2) How do I file for Social Security? (3) Should I COBRA my health coverage? (3) Do I have alternative sources of health-care? (4) How do I make the health insurance gap between my Medicare eligibility and the loss of my health-care?

For assistance with these questions and your long-term disability or Social Security Disability application or to order our free books on Social Security or Long term disabilty policies, contact Cavey & Barrett, your Social Security Disability and Long-term Disability attorneys in Tampa Bay.

If you have any questions, please give us a call at 727.894.3188 or contact us online by clicking here.

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Disability Insurance Myths | Tampa Bay Long Term Disability Lawyer

If you have any questions, please give us a call at 727.894.3188 or contact us online by clicking here.

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Financial Preplanning and Your Claim for Long Term Disability Benefits | Florida St. Petersburg Long Term Disability Lawyer

At Cavey and Barrett we want to remind you that your financial pre-planning did not begin and end with the purchase of a long-term disability policy. That was only the beginning!

You still have to make significant plans for your financial future. What do I mean?

If you suffer from a gradual onset disease like degenerative joint disease, Parkinson’s disease, Lou Gehrig’s disease, multiple sclerosis, or Alzheimer’s, the disease process will give you the time you need to make significant work and financial decisions.

There are a number of steps that you must take, sooner and not later, in financial pre-planning.

1. Learn about the disease and how it progresses over time.

It is important for you to understand how your disease will impact your ability to work, how it will progress over time, what your future medical needs are going to be, and when
you will become unable to work.

The answers to these questions will impact how long you will be able to work and maintain any group insurance coverage.

2. Look at your current financial condition and determine how it might change over time.

This step requires a critical look at your current financial condition and obligations.
What are your assets? Is there any disability coverage that would make the mortgage payment if you’re unable to work or disability policies that would make the payment on vehicles or for consumer debt? How much do you owe? Do you have a budget? How would that budget change if you become disabled? Can you get your finances under control in the time frame you have available to continue working? If not,
how were you going to meet those obligations?

Do you know how long it takes to get Social Security disability benefits? When would you be entitled to Medicare? Can you afford to Cobra your group insurance coverage? How long can you Cobra your group insurance? Is there going to be a gap in time between you running out of group health insurance coverage and becoming eligible for Medicare? Can you find alternative insurance?

3. Set financial goals.

These financial goals can be short-term or long-term. Do you have flexibility built in to these goals as your condition changes? How are you going to be able to live on a reduced income? How are you going to get medical treatment with reduced or limited medical benefits?

4. Obtaining assistance.

It is crucial that you understand what your long-term disability policy provides in the way of benefits, whether those benefits can be reduced by various offsets such as Social Security, how long you are entitled to benefits, and what limitations may exist on your coverage.

It is also crucial that you understand your rights to Social Security disability benefits and the amount of benefits you might be entitled to, including dependent benefits. Many states have a significant delay in getting a Social Security disability hearing. Your data eligibility for Medicare will depend on the date you become disabled for Social Security disability purposes.

It may be necessary for you to hire a long-term disability or Social Security disability Attorney and you can use this time to get answers to your questions. You may also have to consult with your insurance agent, tax advisor or financial planner.

5. Make flexible decisions.

As your disability progresses, your options will change, and you need to be prepared financially to address those changes. Having a game plan before your disability progresses gives you more control.  Unfortunately, your options can become significantly limited if you have failed to get advice before you become disabled. It’s not uncommon that these decisions become more typical as your disease progresses
and your ability to make those decisions comes compromised.

Financial pre-planning is a team effort, and one that should be done earlier and not later. Don’t place yourself in a situation where you have to struggle to make difficult financial decisions in a time of need.

You can learn what 7 tips for which Long Term Disability Policy Holders should apply.

Experienced long-term disability/ERISA and Social Security attorney Nancy Cavey can provide guidance to you in the financial preplanning required as a result of your disability.

If you have any questions, please give us a call at 727.894.3188 or contact us online by clicking here.

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