Winning Isn't Easy: Long-Term Disability ERISA Claims Nancy L. Cavey

Welcome to Season 4, Episode 12 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Getting Notice to the Disability Carrier." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the process of getting notice to the disability carrier. Starting out is often the most daunting step of any task, but it is one that has to be taken to achieve a goal or result; the same goes for filing for disability. The disability claims process is confusing, especially the introductory steps; what is expected from you, someone who might be combating new or worsening disability / life circumstances, can feel overwhelming. Today, host Nancy L. Cavey will give an overview of the first steps of a disability claim, and discuss how to avoid the many pitfalls that are built into the system.

In this episode, we'll cover the following topics:

1 - Giving Notice to the Disability Carrier
2 - Getting a Disability Claim Form
3 - Filing Your Proof of Loss Form
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.


Resources Mentioned In This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

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.

Welcome to Season 4, Episode 11 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Migraine." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses chronic headache and migraine claims. While commonplace, headaches and migraines can be severe enough to be disabling. Disability carriers will fight tooth and nail to prevent policyholders with migraines from receiving disability benefits. Because migraines are often subjective in terms of pain level and severity, can wax and wane regarding flare-ups, and do not often have objective diagnoses, carriers love to claim that they are not disabling. In this episode of Winning Isn't Easy, host Nancy L. Cavey walks through all the information you need to know regarding a migraine disability claim, and how to fight against these preconceived notions.

In this episode, we'll cover the following topics:

1 - Migraine 101
2 - Court Rejects Met Life’s Demand That Policyholder with Chronic Headaches Produce Objective Evidence of Disability 
3 - Migraine Long-Term Disability Insurance Claims and the Subjective Medical Evidence Trap
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.


Resources Mentioned In This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

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.

Welcome to Season 4, Episode 10 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Tools in the Disability Carrier's Claim Denial Toolbox" 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the various tools disability carriers will use to deny your claim. As you live your life during the process of your disability claim, disability carriers will use every trick in the book to attempt justifying a claim's denial. What you say in official documents, what you do in your day-to-day life, and even what you do or do not include in your medical records (down to minutia such as how terms are phrased or worded) can all be used against you. In this episode of Winning Isn't Easy, host Nancy L. Cavey walks through these traps in detail, giving examples of what not to due in the process of your disability claim.

In this episode, we'll cover the following topics:

1 - Don’t Have Regrets When You Talk with the Short- Or Long-Term Disability Insurance Carrier - How Your Words Can and Will Be Used against You
2 - One Court Rules That Disability Insurance Carriers Need to Think Twice before Using Four of Their Favorite Tools in Their Termination Toolbox  
3 - What You Say to the Disability Carrier Can Come Back and Bite You - Eleventh Circuit Rejects FCE Because of the Policyholder’s Reported Activity
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.


Resources Mentioned In This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

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.

Welcome to Season 4, Episode 9 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "UNUM Cases Throughout the United States." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses UNUM, one of the disability world's most prominent carriers. UNUM, much like its competitors, does not make it easy for disability policyholders to get the benefits they paid for, and deserve. In this episode of Winning Isn't Easy, host Nancy L. Cavey walks through a number of cases with variations in location and cause of disability, but one commonality - in each, the policyholder fought against UNUM. This episode will show you firsthand how vicious UNUM can be when it comes to protecting their bottom dollar. Even if you're not with UNUM, this episode will show you tactics that are commonplace amongst disability carriers when it comes to denying claims.

In this episode, we'll cover the following topics:

1 - Lack of a Diagnosis and Ability to Work in Other Medical Facilities Dooms Urgent Care Physician’s Claim for UNUM Disability Benefits Based on Multiple Chemical Sensitivity
2- Vertebral Compression Fracture and Wedging Claim Denial by UNUM Overturned by Federal Judge 
3 - UNUM’s Claim That Policyholder’s Back Pain Was Out of Proportion to the Evidence of Radiculopathy on Exam Reversed by Federal Judge
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.


Resources Mentioned In This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

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.

Welcome to Season 4, Episode 8 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Postural Orthostatic Tachycardia Syndrome". 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses Postural Orthostatic Tachycardia Syndrome, also known acronymically as POTS. POTS, as a disorder, can be incredibly hard to diagnose and treat, and, yet, can also be potentially disabling. Disability carriers hate claims based on unpredictable medical conditions such as POTS: if you have been diagnosed with POTS, you might find receiving disability to be an uphill battle. But don't fret - in this jam-packed episode, host Nancy L. Cavey discusses an overview of the disorder, and how you might succeed in your claim for POTS disability.

In this episode, we'll cover the following topics:

1 - How Disability Carriers Contest the Diagnosis of POTS  
2 - What Disability Insurance Carriers Don’t Understand about the Excessive Heart Rate Increase in POTS


3 - What Disability Insurance Carriers Don’t Understand about Neuropathic POTS, Hyperadrenergic POTS, Hypovolemic POTS, and Secondary POTS


4 - The David v. Goliath Story of Ms. Outward, an Electrical Engineer with POTS,  and


5 - The Subjective Medical Evidence Defense


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.


Resources Mentioned In This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

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.

Welcome to Season 4, Episode 7 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Regular Care of a Doctor". 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the importance of receiving the regular care of a doctor or medical specialist before, during, and after the course of your disability claim. Disability carriers will capitalize on any inconsistencies in order to deny a claim - one of their most common tactics is to hone in on the medical care a claimant / policyholder is or was receiving for their ailment. Host Nancy L. Cavey discusses how vital it is to make sure you are receiving medical care from a doctor or medical specialist who supports your claim.

In this episode, we'll cover the following topics:

1 - Regular Care of a Doctor
2 - The Consequences of Irregular Medical Care or No Medical Care


3 - Medical Authorization Issues


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.


Resources Mentioned In This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

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.