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 4, Episode 41 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "More on UNUM, P4." 

For another 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 UNUM denial tactics and failures. 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 -  Is UNUM Legally Required to Tell You about Medical Evidence in Any Denial or Termination Letter?

2 - Combating and Attacking Common UNUM Failures to Win Your Benefits

3 - Is the Federal Court’s Job in Reviewing an ERISA Disability Insurance Claim to Weigh the Evidence, or Determine if There Is a Reasonable Basis for a Claim 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.


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.

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 4, Episode 40 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Diseases."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores diseases in a general sense, and how they relate to disability claims. While Winning Isn't Easy has explored of a number of diseases in disease-specific episodes, we've never dedicated an episode to the topic as a whole. In this episode, Nancy L. Cavey will be walking through the major components of a disability claim, describing how diseases interact with each via example, including how to get benefits for a disease, what carriers don't understand about diseases, and how carriers will wrongfully deny claims for diseases.

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

1 - What Every ERISA Disability Policyholder or Plan Beneficiary Must Know about Getting Disability Benefits for Graves’ Disease

2 - Extra Flexible Joints, Chronic Pain, and Stretchy Skin – What ERISA Disability Carriers Don’t Get about Ehlers-Danlos Syndrome

3 - Reliance Standard Wrongfully Denies Claim of Nurse Anesthetist with Lyme Disease and Breast Cancer

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.

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 4, Episode 39 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disorders Impacting Brain Health, P2."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores disorders impacting brain health, and how they operate within an ERISA disability claim. Brain-related disorders can significantly impact an individual's ability to work and lead a fulfilling life. Understanding how to navigate ERISA (Employee Retirement Income Security Act) disability claims involving these conditions is paramount. Our last episode on this topic focused on generalized brain health disorders. Today, however, Nancy will walk through some more specified examples of illnesses impacting the brain, giving specific information for each condition. Stay tuned to learn all about disability claims for brain-related medical issues.

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

1 - The Impact of Gaps in Treatment in Your Traumatic Brain Injury ERISA Disability Claim

2 - Bradykinesia and Your ERISA Long-Term Disability Claim

3 - Parkinson's Disease Secondary to Solvent Exposure and Your Disability Insurance Claim

4 - Cognitive Problems and Your Thyroid ERISA Disability Insurance 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.

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 4, Episode 38 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Traps in Activity of Daily Living (ADL) Forms."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores the various traps buried throughout the infamous Activity of Daily Living form that claimants can fall into. The Activity of Daily Living (ADL) form is a form that claimants will be asked to complete at interval times during the course of their claim. While the purpose of the form is to establish your daily activities, it can also be used as a tool by disability carriers to deny, or terminate, a claim. Some questions covered in the ADL form are designed to be leading, ambiguous, or confusing. Today, your host, Nancy L. Cavey, will walk through some of the common pitfalls that can be found in this disability denial tool. 

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

1 -  How Should I Answer the Question “What Keeps You from Working?”

2 - How Should I Answer the Question “How Bad Is Your Pain?”

3 - Tips for How to Answer the Question “What Do You Do on a Typical Day?” on a Disability Carrier or Plan’s Activity of Daily Living Form

4 - When I Apply for My ERISA Disability Benefits, Why Do They Ask Me What I Do around the House?

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.

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 4, Episode 37 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Back and Neck Disorders."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores various back and neck disorders, including Cervical Dystonia, Lumbar Radiculopathy, and Spinal Stenosis. Back and neck disorders are commonplace in the disability world - unfortunately, many of them have elements of subjective pain, which carriers love to latch onto as a reason to justify claims denials. Host Nancy L. Cavey will also discuss tests and procedures carriers expect claimants complaining of back or neck disorders to undergo, and how they can either medically bolster a claim against accusations of subjectivity, or, on the other hand, be used against a policyholder.

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

1 -  Cervical Dystonia and Your ERISA Long-Term Disability Claim

2 - Does Your Long-Term Disability Insurance Carrier Expect You to Undergo the MILD Procedure for Spinal Stenosis?

3 - Back Pain Caused by Lumbar Radiculopathy - A Somatic System Disorder That Justifies Prudential’s Termination of Long-Term Disability Benefits?

4 - Why a Positive Waddell Sign In Your Physical Examination Can Be Used by an ERISA Disability Carrier or Plan to Deny Your ERISA Disability Back 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.

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 4, Episode 36 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "ERISA Regulations, P2."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores more ERISA regulations. Specifically, she'll cover the disclosures disability carriers are required to make to you in a claim denial or termination letter. Despite ERISA regulations, carriers still often make mistakes or create tenuous reasons for justifying their actions in denial or termination letters, as they do in all parts of a claim. Today, your host, Nancy L. Cavey, will further discuss some of the many mistakes carriers make in handling claims, and how you can be aware of them.

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

1 -  What Disclosures Must an ERISA Disability Carrier or Plan Make in a Denial or Termination of Benefits Letter?

2 - What Are the Common Mistakes That ERISA Disability Carriers or Plans Make in a Denial or Termination of Benefits Letter?

3 - What Mistakes Are Made Regarding the Description of Additional Material and Information That the Carrier or Plan Thinks Is Necessary to Perfect Your Claim?

4 - Are There More Mistakes That Disability Carriers or Plans Make When They Deny or Terminate Your ERISA Disability Benefits?

5 - Why ERISA Carrier or Plan Explanations of the Medical, Scientific, or Clinical Judgment They Used Applies to Your Medical Condition Is Often Bull, and What You Must Do about It

6 - Using the Carrier or Plan’s Specific Internal Rules, Guidelines, Protocols, Standards, or Other Similar Criteria They Relied upon in Denying or Terminating Benefits to Overcome Your Claim 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.


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 Season 4, Episode 35 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "More on Multiple Sclerosis, P4."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, continues to explore the intricacies of ERISA (Employee Retirement Income Security Act) disability claims, today with a specific focus on Multiple Sclerosis (MS). Nancy will leverage her extensive expertise in disability law to provide valuable insights and guidance for individuals and their representatives who are navigating the complexities of ERISA disability claims linked to Multiple Sclerosis.  

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

1 -  What Your Disability Carrier or Plan Doesn’t Understand about the Stages of Multiple Sclerosis, and What Multiple Sclerosis Can Do to Your Body

2 - Predicting Long-Term Disability in Multiple Sclerosis with the Use of MRI Biomarkers, and Two Implications of Biomarkers on Your ERISA Disability Claim

3 - How AT&T Justified the Disability Claim Denial of a Multiple Sclerosis Patient’s Subjective Pain

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.

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 4, Episode 34 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Return to Work and Disability Duration Guidelines."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses return to work and disability duration guidelines. During the course of a disability claim, carriers may attempt to contact a policyholder or claimant regarding possible return to work dates. It is vital to understand how to handle these propositions, and how they may impact a claim. Host Nancy L. Cavey will also discuss carrier's secret disability duration guidelines.

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

1 -  Disability Insurance Companies Return to Work Guidelines, and What You Need to Know about Their Call to You about a Return to Work

2 - Your Claim Has Lasted Way Too Long, and How Do ERISA Disability Carriers or Plans Use a Comorbid Claim Guideline if I Have Multiple Medical Conditions?

3 - Cigna Improperly Using Disability Guidelines in Denying a 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.

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 4, Episode 33 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Vestibular Disorders."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses vestibular disorders, which are disorders impacting the vestibular system (responsible for balance). Join Nancy as she covers the basics of vestibular disorders, and walks through three in particular: dizziness, Meniere's Disease, and benign paroxysmal positional vertigo (known as BPPV). Even if you don't have a vestibular disorder, this episode will provide valuable insight into how disability carriers react to and handle claims based on subjective complaints.

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

1 -  What You Need to Know about How Disability Carriers View Vestibular Disorder Disability Claims

2 - What Are the 21 Things Your Doctor Should Address in Your Medical Records in Your ERISA Disability Claim for Dizziness?

3 - What Medical Testing Will a Disability Carrier Expect in My Meniere’s Disease Long-Term Disability Claim?

4 - Benign Paroxysmal Positional Vertigo (BPPV) and an ERISA Disability Insurance 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.

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 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.