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

Nancy L. Cavey
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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

  1. The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim

    9H AGO

    The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 6, Episode 6 of Winning Isn't Easy. In this episode, we'll dive into The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim. Securing ERISA Long-Term Disability benefits often hinges on a hidden danger: the ongoing proof required to keep them. Insurers don’t just assess whether a condition exists - they look for signs of improvement, weigh treating physician opinions, and scrutinize everyday activities for evidence you can still work. Even minor changes in medical records, mixed messages from doctors, or routine daily tasks can quietly undermine a valid claim. In this episode, we break down how perceived improvement, physician dynamics, and lifestyle details are used to challenge continued eligibility. By the end, you’ll understand why maintaining LTD benefits isn’t just about proving disability once - it’s about consistently documenting functional limits and avoiding the traps that lead to termination. In this episode, we'll cover the following topics: One - When Improvement in Cardiac Function Can End Your Benefits Two - When Your Treating Physician’s Opinion Doesn’t Guarantee Your Claim Three - Daily Activities That Can Kill Your ERISA Disability Claim Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    23 min
  2. The Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims

    FEB 17

    The Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 6, Episode 5 of Winning Isn't Easy. In this episode, we'll dive into The Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims. Understanding how cognitive and reading challenges show up in real work settings can determine whether a disability claim is fairly evaluated or misunderstood. Too often, Long-Term Disability decisions focus on diagnoses alone, overlooking how processing speed, reading accuracy, memory, and mental fatigue affect day-to-day job performance. Insurers may recognize a condition exists while still concluding work is possible - without fully accounting for sustained cognitive demands. In this episode, we examine what functional limitation really looks like when cognitive challenges are involved. Our guest, Russell Van Brocklen, shares research-driven insights into how reading and processing difficulties affect productivity, accuracy, and endurance at work. We cover three areas: connecting cognitive science to disability claims, translating research into usable claim evidence, and practical takeaways for attorneys, clinicians, and claimants. By the end, you’ll see why cognitive limitations must be evaluated in real-world terms, and why linking science to functional impact is key to protecting Long-Term Disability benefits. In this episode, we'll cover the following topics: One - Background and Context: Bridging Research and Disability Claims Two - Translating Cognitive Science into Claim Evidence Three - Practical Insights for Attorneys, Clinicians, and Claimants Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    41 min
  3. Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim

    FEB 10

    Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 6, Episode 4 of Winning Isn't Easy. In this episode, we'll dive into Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim. Understanding how vocational evaluators fit into the ERISA disability process can be the difference between securing the Long-Term Disability benefits you paid for and having your claim unfairly denied. Disability carriers rely heavily on vocational experts, and their assessments often shape claim outcomes - sometimes in ways that don’t accurately reflect a claimant’s true functional abilities. Insurers don’t rely on medical records alone. They analyze residual functional capacity, past job duties, and whether your skills could transfer to other work. If your work history, limitations, or skills aren’t clearly documented, or if your occupation is misclassified, your claim can be delayed, reduced, or denied altogether. Vocational evaluations are especially decisive during the “own occupation” and “any occupation” phases of a claim. Small assumptions or errors in a VE report can have outsized consequences, making it critical to understand how these evaluations work and how they can be challenged. In this episode, we break the process down into three parts: what ERISA claimants need to know about vocational experts and transferable skills, why challenging the carrier’s VE is often essential, and how competing vocational opinions can protect your benefits. By the end, you’ll understand why winning an ERISA disability claim isn’t just about diagnosis - it’s about clearly presenting your functional limits and holding insurers’ experts accountable. In this episode, we'll cover the following topics: One - What Every ERISA Policy or Plan Holder Must Know About the Role of a Vocational Expert in Their Disability Insurance Claim Two - Why You Must Have an Experienced ERISA Disability Attorney Attack the Opinion of the Carrier’s “Liar-for-Hire” Vocational Evaluator in Your Appeal Three - The Hidden Battle of Experts - Your Vocational Evaluator vs. Theirs Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    28 min
  4. ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment

    FEB 3

    ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 6, Episode 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment. ERISA disability claims often raise more questions than answers, and the way those questions are resolved can directly determine whether benefits are approved, delayed, or denied. Claimants are frequently left wondering how their past work is evaluated, what really changes when a claim moves from an “own occupation” standard to an “any occupation” standard, and how skills, limitations, or even outside benefits like unemployment factor into the carrier’s decision-making. While these issues may seem secondary, insurers rely on them heavily to assess whether you meet the policy’s definition of disability. In this episode, we unpack the most common questions that come up in ERISA disability claims. We explain how carriers analyze your work history, what they look for when assessing transferable skills, and how physical and mental restrictions are weighed against potential occupations. We also discuss how vocational evidence, functional assessments, and medical documentation are used together, and why gaps, inconsistencies, or vague information can undermine an otherwise valid claim. Additionally, we break down how other benefits and activities can intersect with your ERISA claim and influence how insurers interpret your ability to work. By the end of the episode, you’ll have a clearer understanding of how ERISA carriers evaluate employability, why certain questions are asked during the claims process, and what evidence matters most. More importantly, you’ll learn how understanding these issues can help you better position your claim, avoid common pitfalls, and protect your Long-Term Disability benefits. In this episode, we'll cover the following topics: One - The Dictionary of Occupational Titles and Your ERISA Claim Two - Sedentary Work and Why It Matters Three - Unemployment Compensation and ERISA Disability Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    31 min
  5. Why Most Social Security Claims Matter to Your ERISA Disability Case

    JAN 27

    Why Most Social Security Claims Matter to Your ERISA Disability Case

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 6, Episode 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of Why Most Social Security Claims Matter to Your ERISA Disability Case. Most people don’t realize how much their Social Security disability claim can shape the outcome of an ERISA Long-Term Disability case. While these are technically separate systems, ERISA carriers rely heavily on what’s contained in your Social Security file to decide whether to pay benefits, reduce them, or deny them outright. Insurers aren’t just looking at a diagnosis - they scrutinize medical records, treatment history, work background, daily activities, and the statements you made throughout the Social Security process, all with an eye toward consistency. In this episode, we break down why Social Security evidence plays such a critical role in ERISA disability claims. We explain what carriers look for in your initial application and reconsideration filings, identify the key documents within your Social Security file that insurers focus on most, and show how consultative exams, vocational opinions, or missing information can be used against you. We also discuss why timing matters - from when a claim is filed to how denials, approvals, and appeals can impact an ERISA review. By the end of the episode, you’ll understand that securing your Long-Term Disability benefits isn’t just about proving you’re disabled - it’s about documentation, alignment, and knowing exactly how insurers evaluate your Social Security record. In this episode, we'll cover the following topics: One - What ERISA Carriers Look for in Your Initial or Reconsideration Social Security Claim Two - Congratulations, You Won Your Social Security Case! Now What? Three - How ERISA Carriers Use a Favorable Social Security Decision to Deny or Terminate Benefits Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    32 min
  6. The Gold in Your Social Security File: How Disability Carriers Use It Against You

    JAN 20

    The Gold in Your Social Security File: How Disability Carriers Use It Against You

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 6, Episode 1 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of The Gold in Your Social Security File: How Disability Carriers Use It Against You. Most people assume Social Security Disability and ERISA Long-Term Disability benefits operate independently. While they are separate systems, what happens in one can significantly affect the other. Insurers don’t focus solely on diagnosis - they closely examine medical records, treatment history, daily activities, and statements made to Social Security to decide whether a claim meets the policy’s definition of disability. In this episode, we examine how Social Security intersects with ERISA disability claims. We explain why carriers seek access to your Social Security file, what key evidence it contains, and how inconsistencies, consultative exams, or vocational opinions can be used to reduce, deny, or terminate benefits. We also discuss why timing matters, from SSDI approval to ongoing reviews and appeals. By the end of the episode, you’ll understand that protecting your disability benefits isn’t just about your medical condition - it’s about strategy, documentation, and timing. In this episode, we'll cover the following topics: One - Setting the Stage: Why Your Disability Carrier Wants Your Social Security File Two - Inside the File: What Medical Material Can Lead to an ERISA Denial Three - Timing Is Everything: The Four Times Your Carrier Wants Your Social Security File Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    34 min
  7. Living Well With POTS: A Conversation With Nutritionist and Advocate Jill Brook

    12/16/2025

    Living Well With POTS: A Conversation With Nutritionist and Advocate Jill Brook

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 5, Episode 43 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Living Well With POTS: A Conversation With Nutritionist and Advocate Jill Brook." Most people hear POTS or dysautonomia and assume they’re rare, poorly understood conditions with few treatment options. For patients living with them, however, the reality is far more complex - and deeply shaped by lived experience, nutrition, and daily management. In this episode, we examine POTS and dysautonomia through the lens of nutrition. Our guest is Jill Brook, MA, a nutritionist, researcher, and long-time advocate in the dysautonomia community. After a 17-year delay in receiving her own diagnosis, Jill transformed that experience into a mission to improve awareness and care. She is co-founder of PatientsCount.org, a former nutrition consultant to Dysautonomia Clinic, and host of The POTScast. We begin with Jill’s personal journey into the POTS community and the lessons learned from years of missed diagnosis. We then explore how nutrition (often overlooked) can play a meaningful role in managing symptoms. Finally, we discuss practical strategies for living well with POTS, from navigating healthcare systems to adapting daily routines. By the end of the episode, you’ll have a clearer understanding of POTS and dysautonomia - and why experience, nutrition, and thoughtful management are essential to better care. In this episode, we'll cover the following topics: One - Understanding POTS and Jill’s Journey Two - Nutrition and Managing POTS Three - Strategies for Living Well with POTS Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    33 min
  8. Winning Disability Claims: Lessons From Denials, Appeals, and Carrier Games

    12/09/2025

    Winning Disability Claims: Lessons From Denials, Appeals, and Carrier Games

    Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 5, Episode 42 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Winning Disability Claims: Lessons From Denials, Appeals, and Carrier Games." Most workers assume an ERISA disability claim is straightforward - that if a medical condition keeps you from working, your insurer will pay. But under ERISA, benefits hinge on far more than a diagnosis. Carriers scrutinize the timing of your disability, gaps in treatment, the clarity of your medical records, and even your daily activities. A missing form, vague progress note, or inconsistent timeline can trigger a denial or termination, even when the disability is obvious. ERISA also hides procedural traps. Many policies require continuous proof of disability, and insurers police deadlines and documentation aggressively. Some even reshape the narrative - manipulating the onset date, treating routine activities as evidence of work capacity, or using minor lapses in care to cut off benefits. In this episode, we break down how these claims really unfold. We start with a case where Short-Term Disability was denied right before Long-Term Disability was set to begin - and the key steps to take before filing suit. Then we examine a physical therapy assistant with serious spinal injuries whose disability benefits were terminated, and how she reversed the decision by strengthening her medical evidence. Finally, we look at how carriers like MetLife play games with disability dates, and what you can do to stay ahead. By the end, you’ll see that winning an ERISA disability claim requires more than medical proof - it takes timing, documentation, and strategy to protect the benefits you rely on. In this episode, we'll cover the following topics: One - Short-Term Disability Benefits Denied One Week Before the Benefits Switched to Long-Term Disability – Ten Things to Do Before Filing a Lawsuit Two - Physical Therapy Assistant Wins Reliance Standard Disability Claim After Termination of Benefits Three - Moving the Goal Line and the Games That Disability Carriers Like MetLife Play With the Date of Disability Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it. Listen to Our Sister Podcast: We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/ Resources Mentioned in This Episode: LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits FREE CONSULT LINK: https://caveylaw.com/contact-us/ Need Help Today?: Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast. Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve. Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

    31 min
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About

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

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