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 adequate proof of loss, and the importance of providing this information to the disability carrier. In the case of disability claims, adequate proof of loss entails making sure your disability or illness is severe or debilitating enough to qualify you for benefits (established through medical records, doctor's opinions, etc.). Join your host Nancy as she covers the basics you need to know about adequate proof of loss.

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 for 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 importance of knowing the content of your disability policy, especially before taking the drastic step of stopping work and applying for benefits. Do you have a disability policy? Have you read it front to back? Likely not. However, if you do intend to apply for disability, it is crucial that you fully understand the contents of your policy. Join your host Nancy as she walks through how to read and understand your policy.

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 for 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 some of the differences between Social Security Disability and Long-Term Disability. While they do share some similarities, and are often simultaneously pursued by disability applicants, there are key differences. Today, your host Nancy L. Cavey will focus on the standard of disability, and what disability really entails in SSD versus LTD.

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 for 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 definitions of common terms you will encounter in a Long-Term Disability policy, or during the course of a Long-Term Disability claim. While some of these terms are legalese, which will be translated by Nancy, others appear, at least on the surface, to be commonplace. However, some of these terms, such as "disability", have very specific and nuanced definitions which may not be exactly what you expect. Whether you're a policyholder or applicant, it is vital to do your vocabulary homework in order to make sure you understand what is in your policy, plan, or 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 for 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 last day worked, and how that date can impact a disability claim. You might not think something as minuscule as the exact date last worked would have an impact on a claim, but it can, in fact, be make or break for the claim's outcome. In fact, disability carriers will closely examine date last worked, as it can be a factor in whether claims are accepted or denied. Join your host, Nancy L. Cavey, as she walks through this important information in greater detail.

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 for 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 Long-Term Disability policy riders, and how they can personalize or enhance policies. Riders - optional provisions which can be added to a policy - allow for prospective policyholders to tailor a policy to their specific needs. While policy riders can add additional expenses, they can also ensure one has extra safety nets. Join your host, Nancy L. Cavey, as the walks through disability policy riders, how to add them to policies, and other relevant information you need to know.

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 for 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 Diabetes, and Long-Term Disability claims for Diabetes. As there are different levels of severity, onset triggers, and manifestations of Diabetes, receiving disability benefits for the condition is harder than one may assume. In today's episode, your host, Nancy L. Cavey, will give an overview of Diabetes / its symptoms, as well as how to attempt to receive the disability benefits you deserve if you are diabetic and have filed a disability claim because of the disorder.

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 for 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 mental / nervous condition limitations. Mental / nervous condition limitations are sneaky tricks often nestled within disability policies which give disability insurance carriers a secret weapon: the ability to reduce or limit benefits to just two years if a policyholder's medical condition is caused or contributed to by a mental / nervous condition. In today's episode, your host, Nancy L. Cavey, will discuss these policy limitations in depth, and overview how you may be able to combat or circumvent them.

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 for 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 Liberty Mutual, and the games and tricks this carrier plays in order to deny legitimate claims. Liberty Mutual, while it has a different name and history than other disability carriers, wears a similar cloak; seemingly caring on the surface, and happy to take your money, but, when it comes time to pay policyholders their rightful benefits, turns the game into one of denial. Learn all about Liberty Mutual and their claims handling from your host, Nancy L. Cavey.

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 Mutual of Omaha, and the games and tricks this carrier plays in order to deny legitimate claims. Mutual of Omaha, while it has a different name and history than other disability carriers, wears a similar cloak; seemingly caring on the surface, and happy to take your money, but, when it comes time to pay policyholders their rightful benefits, turns the game into one of denial. Learn all about Mutual of Omaha and their claims handling from your host, Nancy L. Cavey.

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.