Winning Isn't Easy: Long-Term Disability ®
Nancy L. Cavey, a seasoned attorney with over forty 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: Long-Term Disability ® 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 the 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
Welcome to Season 6, Episode 33 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into Defined Out of Disability: How Insurers Rewrite Occupation, Time, and Duty to Deny Claims.
Disability claims aren’t always denied by saying “no.” Sometimes, the outcome changes when an insurer ...
Welcome to Season 6, Episode 32 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into Before the Disability Case Even Starts: The Hidden Gatekeeping Tools Carriers Use to Deny ERISA Claims.
Before a judge looks at your medical records, your disability claim may already be in trouble - in ERISA ca...
Welcome to Season 6, Episode 31 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into Prove It or Lose It: How Objective Evidence and Occupational Definitions Decide ERISA Disability Cases.
You can be in real pain, under real medical care, and still lose your disability claim because you can&rsqu...
Welcome to Season 6, Episode 30 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into What Every Attorney Needs to Know Before They Stop Working (and File a Disability Claim).
You don’t lose disability benefits when you stop working - you can lose them before that, in how you describe your ...
Welcome to Season 6, Episode 29 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into Occupational Duties and the Hidden Standards of Disability Claims.
You can have a serious medical condition and still lose your disability claim. In ERISA cases, it’s not just about whether you’re di...
Welcome to Season 6, Episode 28 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into The Hartford Playbook: Surveillance, IMEs, and Claim Terminations.
Disability benefits are a financial safety net when an illness or injury prevents someone from working. But even after a claim has been approved...
Welcome to Season 6, Episode 27 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into When Life Changes Fast: How to Protect Your Financial Future (With Guest Glen Golish).
Financial planning is often built on the expectation that income will remain steady over time. But when a disability, seriou...
Welcome to Season 6, Episode 26 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into ERISA Disability Appeals: What the Insurance Company Hopes You Never Learn.
Claimants appealing the denial of Long-Term Disability benefits under ERISA feel overwhelmed by insurance companies that appear to cont...
Welcome to Season 6, Episode 25 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into Unum Exposed: The Tactics Behind Disability Claim Denials.
Claimants pursuing Long-Term Disability benefits face more than the burden of proving they cannot work, as they must also contend with insurers that agg...
Welcome to Season 6, Episode 24 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into When Disability Claims Get Reassessed: Vocational Reviews, DIY Legal Traps, and the Hidden Risks in Building Your Own Case.
Disability claims are often complicated not because a claimant's medical condition impr...
Welcome to Season 6, Episode 23 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into The Burden of Proof: Inside Neurological Disability Claims.
Disability insurance claims involving neurological conditions are frequently misinterpreted as disputes solely over medical evidence, but the outcome o...
Welcome to Season 6, Episode 22 of Winning Isn't Easy. In this episode, we'll dive into When the Body Breaks but the Policy Doesn’t Listen.
Disability insurance claims are often presented as questions of medical evidence, but the outcome frequently depends on something else entirely: how a person's limitations are d...
Welcome to Season 6, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into Burns and Long-Term Disability.
Burn injuries are often viewed as acute medical events, but their effects can extend far beyond the initial incident. Depending on the depth and severity of the injury, burns can lead to lasting complica...
Welcome to Season 6, Episode 20 of Winning Isn't Easy. In this episode, we'll dive into The Technical Rules That Decide ERISA Disability Claims.
ERISA disability claims are often decided not only by medical evidence, but by technical policy provisions that many claimants never realize will determine the outcome of their c...
Welcome to Season 6, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into When Expertise Isn’t Enough: A Doctor’s Disability Journey With Long COVID (With Guest Dr. Zeest Khan).
Long COVID has challenged not only medicine, but also the disability insurance system. Insurers often characterize thes...
Welcome to Season 6, Episode 18 of Winning Isn't Easy. In this episode, we'll dive into How Claimants Accidentally Destroy Their Own Disability Cases.
Sometimes the biggest threat to an ERISA disability claim isn’t the insurance company - it’s the claimant. Missed treatment, inconsistent statements about daily...
Welcome to Season 6, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into Why ChatGPT Can’t Get Your ERISA Disability Claim Right (and What Actually Works).
Let’s say you’re living with fibromyalgia, chronic fatigue syndrome, postural orthostatic tachycardia syndrome, multiple sclerosis, Pa...
Welcome to Season 6, Episode 16 of Winning Isn't Easy. In this episode, we'll dive into When Insurance Companies Get It Wrong (and Sometimes Lose).
Insurance companies often claim they’re just “following the plan” when denying disability benefits. But in many ERISA cases, the real dispute isn’t whe...
Welcome to Season 6, Episode 15 of Winning Isn't Easy. In this episode, we'll dive into Asking AI for Real, Honest, and Legally Accurate Answers About Filing an ERISA Disability Claim Is Asking for a Claim Denial.
What if the guidance you rely on for your disability claim isn’t just incomplete - but actively leading...
Welcome to Season 6, Episode 14 of Winning Isn't Easy. In this episode, we'll dive into Own Occupation vs. Any Occupation: How Carriers Twist Your Job - and the Law - Against You.
What if your disability claim is denied not because you can work - but because the insurer redefined what your job actually is? By shifting you...
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