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 14 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Tips and Tricks When Filing Your ERISA Disability Claim." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses some tips and tricks anyone suffering from a disability needs to follow when they decide to file an ERISA disability claim. Filing a claim for ERISA disability benefits can be confusing and frustrating; you might feel as though you're ready to throw in the towel. Don't! Disability carriers are not in the business of paying out benefits, and they purposefully make the process as miserable as possible in the hopes of deterring deserving claimants.  In this insightful episode of Winning Isn't Easy, host Nancy L. Cavey will walk through some strategies for counteracting whatever the disability carrier might throw at you as you attempt to navigate your disability claim.

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

1 - Giving up before You Even Start - Walking Away from Your Disability Benefits by Never Filing a Disability Claim

2 - Don’t Let the ERISA Disability Application Discourage You and Make You Give up Your Disability Claim

3 - Do You Need to Sign the Releases That the ERISA Disability Carrier Demands?

4 - Why Just Filling out Your ERISA Disability Application as Fast as You Can Is Like Rushing through Your Homework

5 - Do I Have to Tell My ERISA Disability Insurance Company about All of My Medical Problems if I Am Claiming ERISA Disability Benefits?

6 - Why You Must Review Your Application for Disability Insurance before You File Your 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 13 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "An Overview of Social Security Disability, P1." 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses an overview of, and answers general questions relating to, Social Security Disability. While the process of applying for Long-Term or Short-Term Disability might share similarities with the process of applying for Social Security Disability, the two are not the same and, in fact, have different procedures, different expectations, and different pitfalls to be aware of. It is important to understand these differences, especially as you might be expected to apply for both during the course of your disability. In this episode, host Nancy L. Cavey walks through some of the most important highlights of the Social Security Disability claims process.

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

1 - General Social Security Questions, P1

2 - General Social Security Questions, P2

3 - General Social Security Questions, P3

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 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.

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 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.

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 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.

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 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.

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 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.

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 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.

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 6 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Determining the Worth of a Long-Term Disability Claim". 

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses how the value of a Long-Term Disability claim is determined. The answer to this question - one of the most frequently asked - is comprised of many moving parts and complexities. One might think it is as simple as multiplying the gross amount of your monthly benefits times the number of months of benefit eligibility, but it isn't. To demonstrate, host Nancy L. Cavey will discuss the factors that impact a Long-Term Disability claim's worth.

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

1 - How Much Is My Long-Term Disability Claim Worth?

2 - How the Date You Became Disabled Impacts How Much Your Long-Term Disability Claim Is Worth

3 - What Is a Settlement or Buyout of Your Long-Term Disability Policy or Plan 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.

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 5 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Full and Fair Review - Statutory Obligation".

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses ERISA's saving grace - a claim regulation stating that any denied policyholder or plan beneficiary must be given the right to a full and fair review during the claim examination process. Regardless of a policyholder's purported right to a full and fair review, disability carriers will often toe the line of acceptability regarding what constitutes said full and fair review - to demonstrate, host Nancy L. Cavey will walk through a number of case examples.

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

1 – What Does A “Full and Fair Review”  Mean to a Denied ERISA Disability Claim

2 – Second Time around on A Disability Claim, and How One Federal Judge Threw the Book At A Disability Benefit Claim Administrator Who Missed Deadlines, Edited and Changed Their Doctor’s Reports, and Failed to Produce Request Plan Documents

3 – You’ve Got to Exhaust Your Administrative Remedies by Filing Appeals in Your ERISA Disability Claim, and Why You Can Blow up Your Case if You Don’t

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.