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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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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Many times Nancy Cavey, Florida disability denied lawyer, often sees Long Term Disability carriers deny Fibromyalgia claims without having a physical examination.

Many Long Term Disability policies give the carrier the right to have you examined by a physician of your choice. More often than not, Long Term Disability carriers deny you disability without having that examination. When that occurs in Fibromyalgia cases, Nancy Cavey always reminds the Long Term Disability carrier that the evaluation of Fibromyalgia requires personal examination, in a case with Bellsouth Telecommunications, Inc., 89f3D775(758-59) (11^th Circuit 1996).

We also remind the Long Term Disability carrier that “evaluating disability without personal examination of the individual… is medical sophistry at best” Spencer O/B/O Spencer v. Hecker 765f2D1090 (1094) (11^th Circuit 1985).

More often than not the Long Term Disability carrier will use a peer reviewed doctor to review your medical records. Nancy Cavey, Long Term Disability denied lawyer often finds that these peer reviewed physicians will arbitrarily conclude that our clients symptoms are “out of proportion of physical findings.” That’s a credibility determination, reaching such a conclusion without the benefit of physical examination to support that finding is not evident of a deliberate or prudent decision and making.

Although independent exams are not required, they are, in my opinion significant in cases where a plan administrator is operating under a conflict of interest or rejects the treating physicians opinion. Hughes v. Prudential Life Insurance Company, 2005wl8399245 (W.D3VA, April 12 2005).

At Cavey and Barrett, we always argue that the failure to get an independent medical examination in align with peer reviewed doctors is a significant factor and raises questions about the inaccuracy of the benefits denial and grounds for claims reversal.

If your Long Term Disability claim has been denied, your symptoms “out of the proportions of the physical findings,” contact Nancy Cavey, your Long Term Disability denied expert.

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