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

Welcome to Season 4, Episode 32 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of " The Horrible Impact That a Workers’ Compensation Claim Settlement and Separation Agreement Can Have on Your Long-Term Disability Claim - Plus, What You Should Do if Your Employer Demands That You Sign a Severance Agreement." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the horrible impact that Workers' Compensation claim settlements, and / or separation agreements, can have on a Long-Term Disability claim. Did you know that disability benefits are often subject to offsets, directly related to other settlements or funds accrued from claims? If not, any disability policyholder or prospective disability applicant needs to be aware that benefits can be offset by receipt of other claims, including Workers' Compensation. In today's episode, Nancy L Cavey will walk through some of these situations, and further discuss separation / severance agreements that may also impact disability claims.

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

1 -  Do You Have a Financial Incentive to Sign a Severance Agreement or Release if You Are Eligible for or Are Getting ERISA Disability Benefits?

2 - What You Must Know about the Quirky Terms of Employment, Separation Agreements, and Elimination Periods in an ERISA Disability Insurance Claim

3 - How an Employment Severance Agreement Can Destroy Your Disability Claim if You Are Not Careful

4 - Negotiating a Separation Agreement with Your Employer without Jeopardizing Your Long-Term Disability Claim

5 - Why Your Employer Might Not Be Willing to Negotiating a Separation Agreement with You to Protect Your Long Term Disability 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.


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 31 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "More UNUM Cases Throughout the United States." 

For a second iteration, 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 -  UNUM’s Termination of a Long-Term Disability Claim Paid for Twelve Years on the Basis That the Chronic Migraine Policyholder Was at Maximum Medical Improvement Is Overturned by Court

2 - UNUM Told to Pay $20,000 per Month in LTD Benefits to a Disabled Mergers and Acquisitions Attorney

3 - UNUM Called Out by Court for Using Nurse Consultant Rather than a Qualified Healthcare Professional

4 - Policyholder Triumphs in MS-Related Cognitive Impairment Disability Claim against UNUM

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 30 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "More on Chronic Fatigue and COVID." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses more about Chronic Fatigue and COVID, how they interact with one another, and with other medical conditions, and their surge in the disability claims world. While we now live alongside COVID, and are no longer in a pandemic, COVID is still wreaking havoc in the disability world. With the onset of this new and ever-changing condition, disability lawyers are seeing disability policyholders suffering from illnesses which have no preexisting disability guidelines. Join Nancy as she discusses more about Chronic Fatigue, COVID, and what you need to know if you are suffering from either, and are seeking disability. 

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

1 -  The Infamous Dr. Scott Norris, and How Disability Carriers like UNUM Deny Legitimate COVID Claims

2 - How Can You Use the Social Security Administration Regulations on How to Evaluate a Chronic Fatigue Syndrome or COVID Claim in Your ERISA LTD Claim?

3 - How Research into the Mechanisms Causing ME/CFS and Long-COVID Can Help You Get the Medical Treatment Your ERISA Disability Plan or Policy Requires  

4 - Federal Court Rules That the Claims Process for a Policyholder with Fibromyalgia, Multiple Arthralgias, and Small Fiber Neuropathy Should Not Be a Guessing Game for a Disabled Policyholder Whose Policy Has a Non-Verifiable Impairment Payment Limitation of 24 Months

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 29 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Intersection of SSDI and ERISA, P2 - Vocational Evaluation." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the intersection of SSDI and ERISA claims. While SSDI and ERISA are completely different things, they do share some similarities in process, and are often intertwined in the course of applying for disability. Often, when you're applying for one, you are required to apply for the other. That is why it is vital to be knowledgeable regarding both. In the second part of this multi-part series, your host Nancy L. Cavey will be diving into the specifics of the vocational evaluations applicants will undergo.

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

1 -  The Vocational Denial Toolbox

2 - The Game Played at the Any Occupation Stage

3 - How to Attack the Common Mistakes Made at the Own Occupation Stage of an ERISA Case

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 28 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Sedgwick." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses everything you need to know about a disability carrier named Sedgwick. Are you insured by, or do you have a disability policy through Sedgwick? Well, today is your day - Nancy will be covering Sedgwick's denial tactics (including their use of in-house medical evaluators), walking through some of their more infamous cases, and more. Even if you're not insured through Sedgwick, this episode will provide valuable insights into the general workings of disability carriers - information you will want to know if and when you are fighting for your disability benefits.

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

1 -  Should You Find out if You Must Be Paid Out Your Short-Term Disability Benefits before You File a Claim for Long-Term Disability Benefits?

2 - Can an ERISA Claim Administrator like Sedgwick Get Away with a Denial Based on a Non-Specialty IME in an RSD Claim?

3 - Court Slams Sedgwick’s Use of the Infamous Dr. Gratton in Overturning Wrongful ERISA Disability Claim Denial

4 - What Happens When the Workers’ Compensation Records Are Considered, but Sedgwick Selectively Removes Portions of the Workers’ Compensation Records from Your File When Your Claim Is Denied or Terminated?

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 27 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Intersection of SSDI and ERISA, P1 - The Vocational Games That Are Played in an ERISA Case." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the intersection of SSDI and ERISA claims. While SSDI and ERISA are completely different things, they do share some similarities in process, and are often intertwined in the course of applying for disability. Often, when you're applying for one, you are required to apply for the other. That is why it is vital to be knowledgeable regarding both. In the first part of this multi-part series, your host Nancy L. Cavey will be diving into the specifics of the vocational games that carriers will play in ERISA claims, and how that correlates with the process of SSDI.

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

1 -  The ERISA Golden Rule

2 - Step 4 Overview

3 - Step 5 Overview

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 26 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Comparing and Contrasting Medical Tips in ERISA and Social Security Disability." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the various medical tips that apply to ERISA disability claims, and Social Security disability claims. One might think that the approach to treating and documenting medical conditions, and how they factor into claims, would be the same for any disability case. However, that isn't necessarily the case. While there may be comparable similarities, there are also contrasting medical tips to be aware of in ERISA disability claims, versus Social Security disability claims. Your host, Nancy L. Cavey, will walk through these tips.

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

1 - Comparing and Contrasting Your Obligation to Get Medical Treatment in an ERISA Disability Claim and a Social Security Disability Claim

2 - What Are the Five Things You Must Do That Will Help You Stay On Claim and Be Paid in Your ERISA Disability Claim?

3 - What Are the Five Factors That Must Be Met before Social Security Must Give Your Treating Doctor’s Opinions Controlling Weight in Your Social Security 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.


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 25 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "ERISA Disability Claims - What Celebrities Can Teach You." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses what the disability cases of certain celebrities can teach you about the ERISA disability claims process. Celebrities; they're just like us. We might view celebrities or social influencers as being invincible, which simply isn't true. While they might be able to afford better medical care than the average man, celebrities are not impervious to illness or accidents; just see Lady Gaga discussing her struggles with migraines in Nurtec advertisements. In this episode of Winning Isn't Easy, Nancy L. Cavey will explore three celebrities and their illnesses to give you, the listener, an insight into claiming disability.

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

1 -  What You Can Learn from Keala Settle, and Getting Your ERISA Disability Benefits for Moyamoya Disease

2 - What You Can Learn from Jimmy Buffett, and Getting Your ERISA Disability Benefits for Merkel Cell Carcinoma

3 - What You Can Learn from Natalie Merchant, and Getting Your ERISA Disability Benefits for Spinal Degeneration with OPLL  

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 24 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Mental Illness and the Mental Nervous Condition Limitation."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses mental illnesses, and how they interact with disability claims. Disability carriers hate claims based on subjective conditions; unfortunately, most mental illnesses will fall into that category. Unsurprisingly, disability carriers are unashamed to continue upholding outdated societal traditions of downplaying the existence, severity, and disabling capabilities of mental illnesses. Most disability policies, regardless of carrier, will even include a clause called the "mental nervous condition limitation" which often states that any disability claim even partially contributed to by mental nervous conditions is subject to benefits for only two years. Today, your host, Nancy L. Cavey, will provide valuable insights into how to navigate mental illness disability claims, and combat the mental nervous condition limitation.

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

1 -  Understanding Mental Illness and the Mental Nervous Condition Limitation

2 - Mental Illness Claims and Getting the Benefits You Deserve

3 - An Overview of Disability Claims for Depression

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 23 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Hot Topics in Short-Term Disability and Long-Term Disability, P3." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses hot topics in both Short and Long-Term Disability. While these topics, stories, and anecdotes are important regarding the world of disability, they weren't necessarily long enough for their own dedicated episodes. That is why, today, we've decided to bundle a few together in order to provide insight over a broad spectrum. Today, your host, Nancy L. Cavey, will provide valuable insights into the workings of the disability claims process.

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

1 - Does My Disability Insurance Carrier Have to Approve My Long-Term Disability Claim if They Have Approved My Short-Term Disability Claim?

2 - Do You Make Too Much Money to File a Claim for Residual Long-Term Disability Benefits?

3 - Don’t Mess with a Disability Carrier and Fail to Tell Them about Work Activity – A Tale of How One Attorney Destroyed His Case

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.