Winning Isn't Easy: Long-Term Disability ERISA Claims

Winning Isn't Easy: Long-Term Disability ERISA Claims

Nancy L. Cavey, a seasoned attorney with over thirty-nine years of experience, explains the complex world of filing for Long-Term Disability benefits. Filing for disability can be a confusing, life changing event, so with her deft expertise, Nancy will guide you through: - The ins-and-outs of ERISA (the Employee Retirement Income Security Act), which governs group Long-Term Disability Claims. - Information regarding the process and lifespan of a claim, from the initial application to the request for hearing stages. - Traps and tactics disability carriers (such as UNUM, The Hartford, Lincoln, and MetLife) use to hinder or deny your claim, including independent medical evaluations, surveillance, and arbitrary and capricious arguments downplaying the nature of your disability. - Insights, overviews, and claimant stories regarding disease-specific content (ranging from commonplace ailments such as workplace injuries or accidents, to difficult to diagnose illnesses such as Fibromyalgia, Multiple Sclerosis, and POTS). - Pertinent news happening in the disability world, and - Much, much more. Each episode of our podcast Winning Isn't Easy will expose you to invaluable tips and tricks for surviving the disability claims process (a system that is often wrought with pressures and pitfalls designed to encourage you to give up the benefits you rightfully deserve). As host, Nancy will often be joined by guest speakers who themselves are industry experts, ranging from lawyers specializing in related fields and doctors focusing on the diagnosis and treatment of specific diseases, to our associate attorney Krysti Monaco. In her late teens, Nancy's father was diagnosed with leukemia. As someone who witnessed firsthand the devastating emotional and financial impact on both individual and family that being disabled and filing for benefits can have, Nancy is not just an attorney, but an empathetic presence who understands what you are going through. Do not let disability insurance carriers rob you of your peace of mind. As a nationwide practice, The Law Office of Nancy L. Cavey may be able to help you get the disability benefits you deserve, regardless of where in the United States you reside. Remember - let Cavey Law be the bridge to your benefits. Check out the links below to engage with us elsewhere: Website - https://caveylaw.com/ YouTube - https://www.youtube.com/user/CaveyLaw

Episodes

September 23, 2025 19 mins

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Welcome to Season 5, Episode 31 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability Law, Explained: Tackling Your Most Pressing Questions."

Most people assume disability insurance and ERISA benefits will protect them when they can’t work. But the reality is ofte...

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Welcome to Season 5, Episode 30 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Getting Long-Term Disability Benefits for Stevens-Johnson Syndrome."

Most people expect Long-Term Disability insurance to step in when illness or injury prevents them from working. But for ...

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Welcome to Season 5, Episode 29 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "When Your Disability Insurance Carrier Isn’t a Disability Specialist - What You Need to Know."

Most people buy disability insurance trusting the name on the policy. If a major insurer sells...

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Welcome to Season 5, Episode 28 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability and Disputed Illnesses: Navigating Claims Without Full Medical Recognition."

Some medical conditions cause symptoms so real and severe that they disrupt daily life, yet remain di...

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August 19, 2025 20 mins

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Welcome to Season 5, Episode 27 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Vascular Malformations of the Brain."

Vascular malformations of the brain may be rare - but when they strike, the effects can be devastating. These defects in the brain’s blood vessels can ...

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Welcome to Season 5, Episode 26 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding "Own Occupation" Benefits Under ERISA Disability Insurance."

“Own Occupation” and “Any Occupation” might sound like simple terms - but in the world of Long-Term Disa...

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Welcome to Season 5, Episode 25 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Short-Term Disability and Pregnancy: Understanding Your Rights and Benefits."

Pregnancy and Short-Term Disability don’t always go hand in hand - at least not the way they should. In today’s...

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July 29, 2025 27 mins

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Welcome to Season 5, Episode 24 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Hidradenitis Suppurativa."

Think hidradenitis suppurativa is just a skin condition? Think again. In today’s episode, disability law expert Nancy L. Cavey takes us deep into the realities of...

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Welcome to Season 5, Episode 23 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Medical Residents and Disability Insurance."

Think disability insurance can wait? Think again. In today’s episode, disability law expert Nancy L. Cavey breaks down one of the most important...

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Welcome to Season 5, Episode 22 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Living with a Voice Disorder: Sue Payne on Spasmodic Dysphonia, the Disability Process, and Finding New Purpose."

Thinking your voice doesn’t matter? Think again. In this powerful episode, ...

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Welcome to Season 5, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Applying for a Disability Insurance Policy."

Thinking about applying for disability insurance? Before you check a box or sign on the dotted line, join disability law expert Nancy L. Cavey f...

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Welcome to Season 5, Episode 20 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Questions About Disability Insurance, Policies, and Claims."

What do you really need to know about disability insurance, policies, and claims – before, during, and after you file? In this e...

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Welcome to Season 5, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding CPET Examinations with Guest Dr. Betsy Keller."

What if one test could offer the hard proof patients with ME/CFS, Long COVID, and fibromyalgia have been waiting for? Join disa...

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Welcome to Season 5, Episode 18 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Should Your Workers’ Compensation Records Be Part of Your ERISA Disability Carrier’s File."

What seems like a routine paperwork decision could quietly sabotage your ERISA Long-Term Disabili...

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Welcome to Season 5, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Medical Treatment and Your Long-Term Disability Claim."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for a revealing conversation about three critical - an...

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Welcome to Season 5, Episode 16 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Navigating Claims With Charcot-Marie-Tooth Disease (CMT)."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an eye-opening discussion on a frequently misun...

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Welcome to Season 5, Episode 15 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Allsup, and Filing Concurrent Social Security Disability and Long-Term Disability Claims."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an eye-opening ...

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Welcome to Season 5, Episode 14 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Physical Therapists and Their Disability Claims."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the unique challenges physic...

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Welcome to Season 5, Episode 13 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding Policy and Plan Language and Terminology."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the critical role tha...

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Welcome to Season 5, Episode 12 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability in the Modern World, Advocacy, and More with Guest Hollis Peirce."

Join attorney Nancy L. Cavey, a leading expert in disability claims, and special guest Hollis Peirce ...

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