Yellow Book Employees Are the Victims of CIGNA Disability Denials

Recently at the Law Offices of Nancy Cavey, we have seen a trend where Yellow Book employees who file a claim are being denied disability benefits. Why? It appears as if Yellow Book has changed long term disability carriers to CIGNA from Northwestern Mutual. Now that CIGNA doesn’t insure Yellow Book, it tempting to get rid of claims with the company. If you are a Yellow Book company who’s long term disability claim has suddenly been denied, you should contact disability attorney Nancy Cavey who can help Yellow Book employees throughout the United States get the disability benefits that they deserve.

Call today at 727.894.3188.

The Tie Between Diabetes and Heart Attacks and Your Rights to Long Term Disability Benefits

Did you know that you may qualify for long term disability benefits if you suffer from diabetes or have had a heart attack? If your physician has told you that you are unable to work, long term disability benefits can provide you with peace of mind when you are unable to work.Diabetes Long Term Disability

A report from Medline indicates that if you are a diabetic, your risk of having a heart attack can be connected to how long you suffer from diabetes. According to Medline, men who have Type 2 diabetes for longer than 17 years are twice as likely to suffer a heart attack as those who do not have the disease. The risks are even similar to those who have already had a heart attack in the past.

In fact, researchers found a significant increase in a chance that a man who had suffered from cardiovascular problems if they have had a disease for as little as eight years. Men who have a late onset diabetes averaging five years with disease had a 54% greater risk of suffering a heart attack or dying prematurely.

If your physician has diagnosed you with diabetes, you may have developed a number of other medical problems including heart disease.

You should consult with a long term disability attorney to determine if you are eligible for long term disability benefits because the long term disability carriers do not make it easy for those that are disabled as a result of heart disease or diabetes to get the benefits that they deserve. If 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.

Celiac Disease and Your Rights to Long Term Disability Benefits

If you have purchased an individual group long term disability benefits and have been diagnosed with celiac disease that causes you to be unable to work, you may be entitled to long term disability benefits. Did you knowCeliac Disease Long Term Disability that the common symptoms of celiac disease are:

  1. Abdominal cramping and bloating
  2. Abdominal distention
  3. Acidosis
  4. Back pain
  5. Constipation
  6. Decreased ability to clot blood
  7. Muscle cramping in the hands or legs
  8. Night blindness
  9. Diarrhea
  10. Energy loss
  11. Fatigue
  12. Weakness
  13. Weight loss

Your long term disability carrier isn’t going to make it easy for you to get your disability benefits. To learn more about your rights to long term disability benefits by ordering a free, no obligation copy Robbed Of Your Peace of Mind.  Fill out the form to the right of this page to get your free book.

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.

If You Don’t Plan For Possible Disability by Purchasing Long Term Disability Policy, You Will Hate Yourself Later

Do you know that, according to an article “Are You Counting On Savings When Disabled?” ( that:Disability Policies

  1. “Deaths due to heart disease, cancer and strokes have denied while disabilities disability cause by these conditions have sky rocketed.
  1. That a 35 year old has a 48% chance of having at least one disabling incident lasting longer that three months before reaching age 65.
  1. That 1 in 5 under that age of 65 will disabled for a year or longer.
  1. A 45 year-old experiencing a disability that lasts one year has a 70% chance that it will last at least one more year and that the same person has a 62% chance that it will last five years or longer.”

Unfortunately, only 9% of Americans have individual disability policies to protect their ability to work an earn income.

Many of us, think nothing about insuring our houses against fires, tornados, earthquakes or other catastrophic events. Unfortunately, many us don’t think about insuring ourselves.

If you are relying on savings, you may not have enough money to get you through an elimination period or even a claim denial.

At Cavey and Barrett, we suggest that you have a long term disability policy. You can get those from your employer, which typically cover 60% of your salary. Unfortunately, there are several disadvantages to employer sponsored programs including taxability and the fact that they are covered under the ERISA law.

Nancy Cavey, an individual disability policy denied attorney, suggests that the wiser course is to purchase an individual policy through an agent. Yes, of course, it will be more expensive than a group policy, but you are insuring yourself. Aren’t you, your family and your future earning capacity worth it?

For more information about the terms your do not want to see in your long term disability policy, you can order a free no obligation copy of the book Robbed of Your Peace of Mind on the right side of this page.

If you don’t Understand the Difference Between Short Term and Long Term Policy, You’ll Hate Yourself Later When You Are Unable to Work

Your employer may offer you both a short term and long term disability policy, what are they? What should you choose?Short and Long Term Disability

Short term disability policy normally pay 70-80% of your income for periods generally up to 6 months.

Long Term Disability policies will pay you 40-60% of your income and potentially can pay you benefits up to retirement so long as you meet the definition of disability.

Did you know that over 50% of all mortgage foreclosures and 20% of all personal bankruptcy in 2001 were caused by disability? You need to protect your income and your family’s well being.

If you have a choice, Pinellas and Hillsborough County certain long term disability attorney Nancy Cavey suggests that you get both short and long term disability coverage to protect your income.

If you have questions about which policy is right for you, you can order Nancy Cavey’s free no obligation book, Robbed of Your Peace of Mind. In this book it explains everything you need to know about your short term or long term disability claim.  If you have other questions, call us today at 727-894-3188.

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.

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