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

Nancy L. Cavey
  • 5.0 (4)
  • HOW TO
  • UPDATED WEEKLY

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. Long COVID and ERISA Disability: Avoiding Denials and Proving Your Claim

    1D AGO

    Long COVID and ERISA Disability: Avoiding Denials and Proving 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 9 of Winning Isn't Easy. In this episode, we'll dive into Long COVID and ERISA Disability: Avoiding Denials and Proving Your Claim. Long COVID ERISA disability claims are often decided by how insurance carriers evaluate medical evidence and functional limitations. Symptoms like fatigue, brain fog, and shortness of breath can be debilitating, but insurers frequently argue they lack sufficient objective proof. As a result, claims may be delayed or denied even when the condition clearly affects a person’s ability to work. Carriers don’t just look at the diagnosis. They analyze residual functional capacity, compare medical restrictions to the duties of the claimant’s occupation, and sometimes argue that those skills could transfer to other jobs. If medical records or functional assessments aren’t clearly documented, insurers may claim the evidence fails to meet policy requirements. In this episode, we break down three issues that commonly affect long COVID ERISA disability claims: mistakes that cause claims to fail, how pre-existing condition provisions can limit coverage, and why challenging denials with stronger medical evidence is often critical to protecting benefits. In this episode, we'll cover the following topics: One - How to Lose Your Long COVID ERISA Disability Insurance Claim Two - Court Upholds Unum Denial of Long COVID / POTS ERISA Disability Benefits Three - The Importance of Challenging Every Reason for a Long COVID ERISA Long-Term Disability Denial 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.

    24 min
  2. Pre-Existing Conditions and Cooperation Clauses: The Hidden Minefields in Long-Term Disability Policies

    MAR 10

    Pre-Existing Conditions and Cooperation Clauses: The Hidden Minefields in Long-Term Disability Policies

    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 8 of Winning Isn't Easy. In this episode, we'll dive into Pre-Existing Conditions and Cooperation Clauses: The Hidden Minefields in Long-Term Disability Policies. ERISA disability claims are often decided by the fine print most people never notice. Pre-existing condition clauses, cooperation requirements, and requests for financial documentation give insurance carriers multiple ways to delay, deny, or terminate benefits - even when the medical condition itself is clearly disabling. Insurers don’t just evaluate the diagnosis; they examine policy timelines, how well claimants respond to information requests, and whether every requirement in the policy has been followed. Small technical missteps can quietly become the basis for a denial. In this episode, we break down three common pressure points in ERISA disability claims. First, we look at how pre-existing condition provisions can shape outcomes, including situations involving conditions like multiple sclerosis. Next, we explain how cooperation clauses can trap claimants when insurers demand ongoing information or documentation. Finally, we discuss the financial records carriers may request - and how failing to provide them can put benefits at risk. By the end, you’ll understand why success under ERISA often depends not just on proving disability, but on carefully navigating the policy’s fine print. In this episode, we'll cover the following topics: One - Pre-Existing Conditions and ERISA Disability Claims Two - Cooperation Clauses and Claim Denials Three - Financial Documentation and Cooperation Requirements 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.

    24 min
  3. Fighting for Fairness: Navigating ERISA Disability Claims for Rare Disorders

    MAR 3

    Fighting for Fairness: Navigating ERISA Disability Claims for Rare Disorders

    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 7 of Winning Isn't Easy. In this episode, we'll dive into Fighting for Fairness: Navigating ERISA Disability Claims for Rare Disorders. Securing ERISA Long-Term Disability benefits with a rare medical condition often comes down to a hidden challenge: insurer misunderstanding. Disability carriers don’t just look at the diagnosis - they evaluate how clearly symptoms are documented, how doctors describe functional limits, and whether medical records explain why you can’t work. When a condition is rare or complex, gaps in understanding can quietly lead to delays or denials. In this episode, we break down how ERISA insurers evaluate rare disorders through three examples: Tracheobronchomalacia (TBM), Ehlers-Danlos Syndrome, and DiGeorge Syndrome. By the end, you’ll understand why success isn’t just about having a rare diagnosis - it’s about translating complex medical evidence into clear proof of disability under ERISA. In this episode, we'll cover the following topics: One - Getting Your ERISA Disability Insurance Benefits for Tracheobronchomalacia Two - Getting Your ERISA Disability Benefits for Ehlers-Danlos Syndrome Three - Getting Your ERISA Long-Term Disability Benefits for DiGeorge Syndrome 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.

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

    FEB 24

    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
  5. 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
  6. 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
  7. 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
  8. 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
See All (205)

5
out of 5
4 Ratings

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

Information

You Might Also Like