Has Your Long Term Disability Claim Been Denied When the Carrier Used the Wrong Expert for Your Medical Condition?

Long Term Disability carriers will routinely have a Long Term Disability claim reviewed by a panel of hired gun medical reviewers. We see these same reviewers time and time again.

One of the most common mistakes Long Term disability carriers make is to use the wrong medical expert for the medical condition that is being claimed. Now that sounds dumb doesn’t it?

The Florida federal regulations, which governs ERISA claim’s handling requires that the Long Term Disability carrier consult with a health care professional that has “appropriate training and experience in the field of medicine involved in the medical judgment,” 29 c.f.r. section 2560.503-1 (h)(iii).

Unfortunately, it’s not uncommon for Long Term Disability carrier’s who are evaluating Fibromyalgia or chronic fatigue cases to use physicians who have no expertise in those areas.

Nancy Cavey, Florida Long Term Disability Denied lawyer, checks the medical and professional background of any health care professional used by the Long Term Disability carrier in a claim’s denial to ensure that the carrier, in fact, used the right expert for your medical condition.

If you believe that the Long Term Disability carrier has denied your claim by using the wrong expert for your medical condition immediately contact Tampa Bay Long Term Disability Attorney Nancy Cavey.

Picking The Right Long Term Disability Denied Insurance Claim Lawyer in Florida

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!

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.

Workers Compensation Benefits and ERISA Long Term Disability Benefits

If you have been involved in a Workers Compensation claim in Florida, you may also be entitled to Long Term Disability benefits if you purchased this policy through your employer.

There is an opportunity to apply for additional compensation benefits.

If you have been involved in a work place accident, Nancy Cavey, experienced Long Term Disability attorney, suggests that you get a copy of your Short Term and Long Term Disability policy. It is crucial to integrate the claims for Short Term Disability and your Workers Compensation benefits. More often than not, employers are self insured for Short Term Disability benefits and it is important that you claim those benefits timely and appeal any denial. If you don’t, then you may not be eligible for Long Term Disability benefits. The interaction of short term, long term and Workers Compensation benefits can be confusing, it is important that you protect your benefits by consulting with a experienced Workers Compensation and disability insurance attorney such as Nancy Cavey, who has practiced Workers’ Compensation law and disability law for over 25 years.

If you have any questions feel free to contact us at 727-894-3188 or www.caveylaw.com.

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


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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