Horror Story in Your Medical Records and How Your Claim for Long Term Disability Benefits May Be Denied

Nancy Cavey, believes that how you interact with your doctors in the disability claims process is key to getting the long term disability benefits you deserve.

Over the years, Nancy Cavey has read many long term disability medical records that just became horror stories. What does she mean? If, for example, you tell a doctor that you are “better” the long term disability carriers can seize on that innocent comment to show in fact that you are precluded. In fact, it’s probably nothing more you minimizing your symptoms when you are interacting with your doctor.

Nancy Cavey has written the go to guide The Smart Long Term Disability Consumer Guide For Preparing for Your Statement and Field Visit that every long term disability applicant should review, before applying for long term disability benefits. Why? You need to learn how to communication effectively with your physician and that includes accurately telling your physician what you symptoms are, what level of physical activity you are doing, and what problems you are having with activities of daily living such as bending, stooping, lifting.

If you tell your physician that you are feeling better, or that you are improving, that statement can be misleading. So misleading that the long term disability carrier will incorrectly interpret your condition as not severe enough to meet the definition of disability in your long term disability policy.

Don’t let your medical records destroy your long term disability claim! For a no obligation copy of The Smart Long Term Disability Consumer Guide For Preparing for Your Statement and Field Visit click here.

Your MetLife Long Term Disability Claim and Social Security Benefits | MetLife Disability Benefits Denied Lawyer

Hartford Insurance Company about MetLife Questions and AnswersMetLife has written an interesting article that has some basic overviews of Social Security questions and answers. While the information is helpful, you need to understand that MetLife requires you to apply for Social Security Disability benefits as part of your Long Term Disability claim. While they try to explain the benefits as to why you should apply for Social Security Disability benefits, they really don’t make is clear that your Long Term Disability benefits will be reduced by MetLife once you’ve received Social Security Disability benefits. They also recommend that you call MetLife to discuss hiring an attorney to represent you in the Social Security Disability case, be sure that they will refer you to an attorney or claims representative that has MetLife’s interests at heart and not yours!

At Cavey and Barrett we believe that you should have a private attorney represent you for your Social Security Disability and Long Term Disability case to make sure that your benefits are properly protected. To schedule a complementry consultation about your Long Term Disability claim, call us at 727-894-3188 today or fill out the form located HERE to be contacted as soon as possible.

Choosing The Right Disability Insurance Company | Florida Tampa Long Term Disability Insurance Attorney

The time to learn that you’ve picked the wrong disability insurance company isn’t when you’re sitting in a lawyer’s office. Unfortunately, there are many times I have to explain to my clients that they’ve picked the wrong disability insurance company.

There are many factors and variables that should be considered in picking out a disability insurance policy, which are discussed in Nancy Cavey’s book, Robbed of Your Peace of Mind, which is free of charge.

http://www.caveylaw.com/getDisabilitybook.cfm

This article focuses on choosing the right disability insurance company.

First, and foremost, you should purchase an individual disability policy which you pay for yourself with post-tax dollars.

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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FAQ – Are My Disability Benefits Subject to Taxation? | St. Pete Beach Long Term Disability Attorney

The basic answer to this question depends on how you paid for your policy. The general rule is that if you paid for your policy with pretax dollars, you are disability benefits are taxable.

Conversely, if your benefits were paid with after-tax dollars, then you’re disability benefits are not taxable.

So, if you pay or your employer pay for your disability policy as part of an employee benefit package, your disability benefits are taxable. You will probably be sent something from a disability insurance company to show the total amount of your benefits, which you will have to use in your tax-preparation.

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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FAQ – Will My Employer Help Me With My Disability Claim? | St. Petersburg Long Term Disability Attorney

Probably not!

Your employer may be self-funded for short term disability benefits. That means your employer is paying disability benefits out of its own pocket. Self funded employers normally will pay 13 to 26 weeks of short term disability benefits, and then turn your claim over to a long-term disability insurance company. If the monies coming out of their pocket, they may not be so anxious to pay you disability benefits. However, I have seen self-funded employers override the decision of short-term disability carrier and pay benefits out of their own assets.

Other employers have provided you with a short-term and/or long-term disability policy. If you are covered under the disability policy, the policy will be administered by the insurance company or by a third party administrator. Your employer is not involved in the claims handling or decision-making process.

Your employer provided you with a long-term and/or short term disability policy in the event you became unable to perform your job. Some employers will wash their hands of you since you are disposable. Some employers will give the disability insurance company incorrect information about your job duties or work performance in an effort to avoid claims for discrimination or other employment related claims. Other employers will try to have you quit on the wrong day thereby destroying your disability claim

The disability carrier will be asking you and your employer about your job. It is important that you get a copy of your job description and compare that description to what you actually did in your job. I always have my clients write out the description of their job duties and get a copy of the formal job description so we can compare the same.

It may be necessary to get a letter from your employer at some point regarding your inability to do your job or the difficulties that you had doing your job after you became disabled. Your employer may not be willing to give you such a letter but one of your co-employees might be able to do so. If and when you need such a letter will be up to you and your experienced disability attorney.

At the Law offices of Cavey and Barrett, we secure letters or affidavits from your employer or co-employees about the nature of your job, how you performed your job duties before you became disabled, how your job may of been changed as a result of your disability, and what problems you had performing your job after you became disabled. This information must be tailored to your specific circumstances.

If human resources is giving you a hard time, that may hurt your chances to get disability benefits and is yet, just another reason, why you need an experienced disability attorney to assist you in the disability claims process. If you would like to speak with an attorney, you can contact Nancy Cavey by clicking here or by calling 727.894.3188.

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