Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking more about Myalgic Encephalomyelitis / Chronic Fatigue Syndrome (aka ME / CFS) and Fibromyalgia. Additionally, we'll be discussing how disability insurance carriers will use and misuse "limited disability period" clauses in policies, especially to target "subjective" medical conditions.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.    

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the many disabling conditions that disability insurance carriers broadly classify as "shoulder problems", how the carrier will classify (or misclassify) your injuries or conditions in a way that benefits them the most, and other issues you may have regarding your Long-Term Disability policy coverage.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.    

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the crossroads between ERISA Disability and Life Insurance claims. We'll cover their similarities, differences, and instances in which they cross paths. Specifically, we'll be covering three topics:

1 - Can You Sue a Fiduciary Who Failed to Properly Enroll Your Spouse in an ERISA Life Insurance Plan?

2 - Is Speeding a Crime That Can Result in a Life Insurance Claim Being Denied?

3 - Can a Life Insurance Company Deny Payment of Benefits Based on Alleged Contaminated Blood Alcohol Testing?

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.     

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about UNUM's past claims handling, and how it can inform you of tactics they will continue to use in future claims. Disability carriers such as UNUM tend to stick to a script; they'll use whatever tricks in their arsenal to attempt denying claims, no matter how many times they are called out for it. Today, we'll discuss what some of these tactics entail.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.     

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about disability insurance carriers, and their tendency to cherry-pick claims for reasons to issue a denial. Regardless of your carrier, disability, the severity of your disability, or the legitimacy of your claim, carriers will scour every bit of information available to them to find any morsel that will allow them to justify issuing a denial. In today's episode, we'll explore this topic further, so you can be armed to combat these sly tactics.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.      

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking more about ME / CFS and Fibromyalgia; these two disorders are ripe for discussion, as they are prime examples of illnesses which are often lacking objectivity (which carriers hate). This reality makes them both hard to diagnose, and hard to win disability claims with. Today, we'll be discussing how these diseases interact with what is called "the elimination period" in disability policies, and the lengths carriers go to to deny these types of claims.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.      

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about jobs / occupations, and how disability carriers determine them. Ones' job or occupation is a vital factor in the fabric of a disability claim, and carriers will determine policyholder jobs or occupations based on select criteria. Today, we'll cover how job status, situational factors, and more, all play a part in this process.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.       

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about jobs / occupations, and how disability carriers determine them. Ones' job or occupation is a vital factor in the fabric of a disability claim, and carriers will determine policyholder jobs or occupations based on select criteria. Today, we'll cover how social media, criminal background checks, and unemployment, all play a part in this process.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.    

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the initial application stage of a Long-Term Disability claim. Specifically, we will be discussing the three approaches that disability carriers will employ when assessing these initial applications, most with the goal of denying the claim outright. Let's explore!

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.    

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.

Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about UNUM and their claims denial tactics. UNUM, much the same as other disability carriers, tries to sway the tide of a disability claim in their favor by finding any justification for denying a claim. Today, your host, Nancy L. Cavey, will cover some of UNUM's favorite tactics for wrongfully denying a disability claim.

Winning Isn't Easy is a podcast dedicated to exploring the complexities of the Employee Retirement Income Security Act (ERISA) Long-Term Disability world. Each episode, we delve into the challenges and triumphs of navigating this intricate landscape and bring to light the key issues affecting disabled individuals seeking benefits under ERISA. Get ready to listen in on a captivating listen as we uncover the truth behind Winning Isn't Easy.


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.