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 know 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.

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Osteomyelitis is an infection of the bone and symptoms include:

• 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.

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Do you know that, according to an article “Are You Counting On Savings When Disabled?” ( http://community-nasdaq.com/news/2010-08/areyoucountingonsaving) that:

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.

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

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.

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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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Nancy Cavey, a Pinellas and Hillsborough County long term disability attorney, often finds that medical records can be the key to getting your long term disability benefits. Unfortunately, many long term disability applicants fail to get a copy of their medical records before they file for long term disability benefits and that can be disastorous!

Nancy Cavey has four quick tips that you should remember in the long term disability claims application process:

1. Always remind your physician that you are applying for long term disability benefits and that they should provide the long term disability carrier with a copy of your medical records.
2. Remind your doctor however, that if the long term disability doctor or nurse calls asking questions about your claim, that you are not authorizing your physician to have any phone calls, but, rather, you want all correspondence to be in writing.
3. You want to make sure that your physician lets you know when they’ve been contacted by the long term disability carrier so that you can make sure that your physicians reports are accurate and fully reflect your symptoms and problems your are having with your ability to function.
4. Keep a journal about your condition and how it impacts your ability to function. That includes, bending, lifting, stooping and all the activities of daily living. Make sure that you keep a copy and give a copy to your doctor at every visit so that your medical records document how your medical condition impacts your daily functions and your inability to work.

If you have questions about the long term disability claims process, or your claim has been denied, contact Florida long term disability attorney claims denied attorney, Nancy Cavey , for a free consultation by calling us at 727-894-3188 or using the Contact page today.

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Long Term Disability policy premiums depend on your age, gender, health history and your occupation.

An important factor is the policy elimination period. This is the length of time you go without getting benefits. Sometimes people choosing a ninety-day period of time to go without benefits at the onset of their disability. When the time is up, the Long Term Disability carrier will start paying your benefits. The longer your elimination period, the cheaper your premium. I’ve seen elimination periods as long as a year and I would not encourage that.

I would suggest a ninety-day elimination period.

You also get to choose how long you will get paid benefits. Most companies will let you chose benefits that last between two, five years to age 65, 67 or for the rest of your life. Quite frankly, it’s very difficult to find a policy these days that will pay a medical professional for the rest of their life and more commonly these disability policies will pay through the age 62 or 65.

Regardless of the price tag, remember you are insuring you and your ability to work. As the breadwinner you have the obligation to yourself and your family to provide them with support even in a time of your disability. If you have any questions about the Long Term Disability process, contact us today so we can get you on the right track in your claim. 727-894-3188.

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