Winning Isn't Easy: Long-Term Disability ®

By Nancy L. Cavey

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Episodes: 223

Description

Nancy L. Cavey, a seasoned attorney with over forty years of experience, explains the complex world of filing for Long-Term Disability benefits. Filing for disability can be a confusing, life changing event, so with her deft expertise, Nancy will guide you through:

- The ins-and-outs of ERISA (the Employee Retirement Income Security Act), which governs group Long-Term Disability claims.

- Information regarding the process and lifespan of a claim, from the initial application to the request for hearing stages.

- Traps and tactics disability carriers (such as Unum, The Hartford, Lincoln, and MetLife) use to hinder or deny your claim, including independent medical evaluations, surveillance, and arbitrary and capricious arguments downplaying the nature of your disability.

- Insights, overviews, and claimant stories regarding disease-specific content (ranging from commonplace ailments such as workplace injuries or accidents, to difficult to diagnose illnesses such as fibromyalgia, multiple sclerosis, and POTS).

- Pertinent news happening in the disability world, and

- Much, much more.

Each episode of our podcast Winning Isn't Easy: Long-Term Disability ® will expose you to invaluable tips and tricks for surviving the disability claims process (a system that is often wrought with pressures and pitfalls designed to encourage you to give up the benefits you rightfully deserve). As the host, Nancy will often be joined by guest speakers who themselves are industry experts, ranging from lawyers specializing in related fields and doctors focusing on the diagnosis and treatment of specific diseases, to our associate attorney Krysti Monaco.

In her late teens, Nancy's father was diagnosed with leukemia. As someone who witnessed firsthand the devastating emotional and financial impact on both individual and family that being disabled and filing for benefits can have, Nancy is not just an attorney, but an empathetic presence who understands what you are going through.

Do not let disability insurance carriers rob you of your peace of mind. As a nationwide practice, The Law Office of Nancy L. Cavey may be able to help you get the disability benefits you deserve, regardless of where in the United States you reside. Remember - let Cavey Law be the bridge to your benefits.

Check out the links below to engage with us elsewhere:

Website - https://caveylaw.com/

YouTube - https://www.youtube.com/user/CaveyLaw


Episode Date
When Life Changes Fast: How to Protect Your Financial Future (With Guest Glen Golish)
Jul 28, 2026
ERISA Disability Appeals: What the Insurance Company Hopes You Never Learn
Jul 21, 2026
Unum Exposed: The Tactics Behind Disability Claim Denials
Jul 14, 2026
When Disability Claims Get Reassessed: Vocational Reviews, DIY Legal Traps, and the Hidden Risks in Building Your Own Case
Jul 07, 2026
The Burden of Proof: Inside Neurological Disability Claims
Jun 30, 2026
When the Body Breaks but the Policy Doesn’t Listen
Jun 23, 2026
Burns and Long-Term Disability
Jun 16, 2026
The Technical Rules That Decide ERISA Disability Claims
Jun 09, 2026
When Expertise Isn’t Enough: A Doctor’s Disability Journey With Long COVID (With Guest Dr. Zeest Khan)
Jun 02, 2026
How Claimants Accidentally Destroy Their Own Disability Cases
May 26, 2026
Why ChatGPT Can’t Get Your ERISA Disability Claim Right (and What Actually Works)
May 19, 2026
When Insurance Companies Get It Wrong (and Sometimes Lose)
May 12, 2026
Asking AI for Real, Honest, and Legally Accurate Answers About Filing an ERISA Disability Claim Is Asking for a Claim Denial
Apr 28, 2026
Own Occupation vs. Any Occupation: How Carriers Twist Your Job - and the Law - Against You
Apr 21, 2026
Understanding Aplastic Anemia and Its Impact on Long-Term Disability
Apr 14, 2026
How Disability Carriers Manufacture Reasons to Deny Claims
Apr 07, 2026
When Carriers Weaponize Diagnoses
Mar 31, 2026
Technicalities, Traps, and Missed Deadlines
Mar 24, 2026
Long COVID and ERISA Disability: Avoiding Denials and Proving Your Claim
Mar 17, 2026
Pre-Existing Conditions and Cooperation Clauses: The Hidden Minefields in Long-Term Disability Policies
Mar 10, 2026
Fighting for Fairness: Navigating ERISA Disability Claims for Rare Disorders
Mar 03, 2026
The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim
Feb 24, 2026
The Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims
Feb 17, 2026
Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim
Feb 10, 2026
ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment
Feb 03, 2026
Why Most Social Security Claims Matter to Your ERISA Disability Case
Jan 27, 2026
The Gold in Your Social Security File: How Disability Carriers Use It Against You
Jan 20, 2026
Living Well With POTS: A Conversation With Nutritionist and Advocate Jill Brook
Dec 16, 2025
Winning Disability Claims: Lessons From Denials, Appeals, and Carrier Games
Dec 09, 2025
When Policy Limits Collide - Navigating Mental Nervous and Musculoskeletal Conditions in Long-Term Disability Claims
Dec 02, 2025
Navigating ERISA Disability Claims While Incarcerated
Nov 25, 2025
Inside Disability Law: Insights and Lessons with Attorney Kate MacKinnon
Nov 18, 2025
Beyond the Surface: Understanding Soft Tissue Conditions and Disability Claims
Nov 11, 2025
Own Occupation vs Any Occupation: Breaking Down Disability Claim Stages
Nov 04, 2025
Frozen, Torn, or Unstable: Proving Shoulder Disability Claims
Oct 28, 2025
The Hidden Role of Job Skills in Winning (or Losing) Your ERISA Disability Claim
Oct 21, 2025
Breast Cancer and Disability - Understanding the Condition, Its Impact, and Your Claim
Oct 14, 2025
From Canes to Tech: Proving Disability with Assistive Devices
Oct 07, 2025
Disability Claims: Your Questions About the Medical Side, Answered
Sep 30, 2025
Disability Law, Explained: Tackling Your Most Pressing Questions
Sep 23, 2025
Getting Long-Term Disability Benefits for Stevens-Johnson Syndrome
Sep 09, 2025
When Your Disability Insurance Carrier Isn’t a Disability Specialist - What You Need to Know
Sep 02, 2025
Disability and Disputed Illnesses: Navigating Claims Without Full Medical Recognition
Aug 26, 2025
Vascular Malformations of the Brain
Aug 19, 2025
Understanding "Own Occupation" Benefits Under ERISA Disability Insurance
Aug 12, 2025
Short-Term Disability and Pregnancy: Understanding Your Rights and Benefits
Aug 05, 2025
Hidradenitis Suppurativa
Jul 29, 2025
Medical Residents and Disability Insurance
Jun 24, 2025
Living with a Voice Disorder: Sue Payne on Spasmodic Dysphonia, the Disability Process, and Finding New Purpose
Jun 17, 2025
Applying for a Disability Insurance Policy
Jun 10, 2025
Questions About Disability Insurance, Policies, and Claims
Jun 03, 2025
Understanding CPET Examinations with Guest Dr. Betsy Keller
May 27, 2025
Should Your Workers’ Compensation Records Be Part of Your ERISA Disability Carrier’s File
May 20, 2025
Medical Treatment and Your Long-Term Disability Claim
May 13, 2025
Navigating Claims With Charcot-Marie-Tooth Disease (CMT)
May 06, 2025
Allsup, and Filing Concurrent Social Security Disability and Long-Term Disability Claims
Apr 29, 2025
Physical Therapists and Their Disability Claims
Apr 22, 2025
Understanding Policy and Plan Language and Terminology
Apr 15, 2025
Disability in the Modern World, Advocacy, and More with Guest Hollis Peirce
Apr 08, 2025
Exploring Various Occupations, and How Their Performer’s Claims Were Denied or Terminated
Apr 01, 2025
Conditions That Might Be Subject to Term Limitations or Exclusions – Understanding Them, and Why
Mar 25, 2025
Denial and Termination Games That Carriers Play
Mar 18, 2025
The Interplay Between Physical and Mental Disabilities in An ERISA Disability Claim
Mar 11, 2025
The Importance of Nurse Consultants in Long-Term Disability Claims with Shannon Fenimore
Mar 04, 2025
What Every ERISA Policyholder or Plan Beneficiary Must Know About How the Carrier or Plan Uses Their Nurse Reviewer, Paper Medical Reviews, or Independent Medical Examinations To Create Reasons for the Denial or Termination of Your Disability Claim
Feb 25, 2025
How Long COVID and Other Social Security Disability Residual Functional Capacity Forms Can Help You Win Your ERISA Disability Insurance Claim
Feb 18, 2025
An Update on Long COVID Long-Term Disability Claims
Feb 11, 2025
Insights Into Life with a Disability with Ken Kunken
Feb 04, 2025
More on Sedgwick, P2
Jan 28, 2025
Long-Term Care Health Benefits and Your Disability Insurance Policy
Jan 21, 2025
What You Need to Know About Functional Capacity Evaluations in Your Long-Term Disability Claim
Dec 17, 2024
The Ten Common Mistakes You Can Make in Your Initial Application for ERISA Disability Benefits
Dec 10, 2024
Interstitial Cystitis
Dec 03, 2024
More on UNUM, P4
Nov 26, 2024
Diseases - What You Must Know About Getting Benefits for Them, What Carriers Don’t Understand about Them, and How Carriers Will Wrongfully Deny Claims for Them
Nov 19, 2024
Disorders Impacting Brain Health, P2
Nov 12, 2024
Traps in Activity of Daily Living (ADL) Forms
Nov 05, 2024
Back and Neck Disorders
Oct 29, 2024
ERISA Regulations, P2 - What Disclosures Must ERISA Disability Carriers or Plans Make to You in a Denial or Termination Letter, and More
Oct 22, 2024
More on Multiple Sclerosis, P4
Oct 15, 2024
Return to Work and Disability Duration Guidelines
Oct 08, 2024
Vestibular Disorders - Dizziness, Meniere's Disease, and Benign Paroxysmal Positional Vertigo
Oct 01, 2024
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
Sep 24, 2024
More UNUM Cases Throughout the United States
Sep 17, 2024
More on Chronic Fatigue and COVID
Sep 10, 2024
The Intersection of SSDI and ERISA, P2 - Vocational Evaluation
Sep 03, 2024
Sedgwick - Everything You Need to Know about This Disability Carrier
Aug 27, 2024
The Intersection of SSDI and ERISA, P1 - The Vocational Games That Are Played in an ERISA Case
Aug 20, 2024
Comparing and Contrasting Medical Tips in ERISA and Social Security Disability
Aug 13, 2024
ERISA Disability Claims - What Celebrities Can Teach You
Aug 06, 2024
Mental Illness and the Mental Nervous Condition Limitation
Jul 30, 2024
Hot Topics in Short-Term Disability and Long-Term Disability, P3
Jul 23, 2024
Field Form Mistakes, P4 - The Mistakes Made during a Field Interview That Can Ruin Your Long-Term Disability Claim
Jul 16, 2024
More on Parkinson's Disease - Exploring Parkinson's Disability Claims Further
Jul 09, 2024
Field Form Mistakes, P3 - The Mistakes Made during a Field Interview That Can Ruin Your Long-Term Disability Claim
Jul 02, 2024
Brain Injury - What You Need to Know Regarding Traumatic Brain Injuries and Disability
Jun 25, 2024
The Interaction between You, Your Doctor, and the Disability Carrier in Your ERISA Claim
Jun 11, 2024
Having a Life When You Are Collecting Long-Term Disability - Plus, More on Surveillance
Jun 04, 2024
Lincoln - Exploring and Dissecting Lincoln Financial's History and Handling of Claims
May 28, 2024
An Overview of Social Security Disability, P2 - More on What You Need to Know about the Social Security Disability Claims Process
May 21, 2024
Tips and Tricks When Filing Your ERISA Disability Claim - Insider Secrets Regarding the ERISA Disability Claims Process
May 14, 2024
An Overview of Social Security Disability, P1 - What You Need to Know about the Social Security Disability Claims Process
May 07, 2024
Getting Notice to the Disability Carrier - Understanding the Beginning Steps of a Disability Claim
Apr 30, 2024
Migraine - Covering What You Need to Know about This Common, Yet Disabling Medical Condition
Apr 09, 2024
Tools in the Disability Carrier's Claim Denial Toolbox - Be Aware of These Deadly Pitfalls
Apr 02, 2024
UNUM Cases Throughout the United States - Exploring and Dissecting UNUM's Handling of Disability Claims
Mar 26, 2024
Postural Orthostatic Tachycardia Syndrome - Investigating the Disabling Properties of POTS, and Breaking Down POTS Disability Claims
Mar 19, 2024
Regular Care of a Doctor - Understanding the Vitality of Medical Treatment in a Disability Claim
Mar 12, 2024
Determining the Worth of a Long-Term Disability Claim - What Factors into the Value of a Claim
Mar 05, 2024
Full and Fair Review / Statutory Obligation - A Denied Policyholder's Claim Lifeline
Feb 27, 2024
Multiple Sclerosis - An Overview of MS and Disability Claims
Feb 20, 2024
Surveillance - A Disability Carrier's Number One Tool
Feb 13, 2024
Offsets, Benefits, and IRAs - Understanding Their Impact on Your Long-Term Disability Claim
Jan 30, 2024
Medical Proof and Long-Term Disability Claims
Jan 23, 2024
Business Bankruptcy and Disability Policies - Chatting with Bankruptcy Attorney Kristina Feher
Dec 27, 2023
Neuropathic Disorders, and Disorders Causing Pain or Neuropathic Pain - P2
Dec 19, 2023
More on ERISA Disability Claims and Multiple Sclerosis
Dec 12, 2023
Neuropathic Disorders, and Disorders Causing Pain or Neuropathic Pain - P1
Dec 05, 2023
Moyamoya Disease - Exploring Moyamoya Disease and ERISA Disability Claims
Nov 28, 2023
Disorders Impacting Brain Health - An Overview of Brain Health and ERISA Disability Claims
Nov 24, 2023
More on UNUM Disability Claims - Dissecting the Claims Handling of Insurance Carrier UNUM
Nov 14, 2023
Answering Questions on ERISA ADL Forms - Tips and Tricks for Disability Forms
Nov 07, 2023
Doctors and Disability - How Doctors Can Destroy Their Disability Claim, Lose Their License, and Go to Jail by Doing Work as a Peer Review Doctor with Attorney Jonathan Rose
Oct 31, 2023
Your Obligation to Get Medical Care - Understanding Medical Expectations in an ERISA Disability Claim
Oct 24, 2023
Multiple Sclerosis Claims - Discussing MS Disability Claims with USF Health's Dr. Natalie Moreo
Oct 17, 2023
Timing Issues in ERISA Disability Claims
Oct 10, 2023
Communicating during Your ERISA Disability Claim
Oct 03, 2023
Medicare 101 - Plus, Open Enrollment Information with Hunter Walton
Sep 26, 2023
Disability Insurance Claim Tips Everyone Can Understand
Sep 19, 2023
Employment Issues and ERISA Claims
Sep 12, 2023
How Financial Planning Interacts with Disability Claims - Discussions with Financial Planner Greg Black
Sep 05, 2023
What You Need to Know about ERISA Regulations in Disability Claims
Aug 29, 2023
Exploring More on Multiple Sclerosis ERISA Disability Claims
Aug 22, 2023
Autonomic Dysfunction, POTS, ME/CFS, MCAS, and EDS - Your Eligibility for Social Security Disability Benefits
Aug 15, 2023
Rheumatoid Arthritis, Fibromyalgia, and Chronic Fatigue - Exploring ERISA Long-Term Disability Claims
Aug 08, 2023
Chiari Malformation and Chiari Malformation Disability Claims
Aug 01, 2023
Two Mistakes Your Doctor Can Make That Can Kill Your ERISA Claim
Jul 25, 2023
Cancer ERISA Disability Claims
Jul 18, 2023
More on United Mutual of Omaha - Insurance Carrier Spotlight
Jul 11, 2023
ERISA 510 Retaliation Claims
Jul 04, 2023
More on Lyme Disease and Epstein-Barr Virus
Jun 27, 2023
Gastrointestinal Diseases in Disability Claims
Jun 22, 2023
UNUM - Revisiting and Exploring UNUM's ERISA Disability Claims Handling
Jun 14, 2023
Hot Topics in Short-Term Disability and Long-Term Disability, P2
Jun 01, 2023
UNUM and ME / CFS Fibromyalgia Claims
Apr 27, 2023
Insurance Carrier Spotlight - MetLife Disability
Apr 18, 2023
Attorneys and Their Long-Term Disability Claims
Apr 04, 2023
Fibromyalgia and Subjective Medical Evidence Claims
Mar 28, 2023
The Sedentary Employment Game
Mar 23, 2023
Insurance Carrier Spotlight - The Hartford
Mar 14, 2023
Neuropsychological Testing and Brain Mapping - Understanding the Role of Cognitive Testing in Long-Term Disability Claims
Mar 08, 2023
Disability 101 - Plus, Having a Meaningful Dialogue with the Disability Carrier
Feb 28, 2023
Degenerative Conditions of the Shoulder and Knee - Interviewing Dr. David Braun
Feb 21, 2023
Insurance Carrier Spotlight - Reliance Standard
Feb 14, 2023
Hot Topics in Short-Term Disability and Long-Term Disability, P1
Feb 07, 2023
How to Hire an Attorney for ERISA Long-Term Disability Claims
Dec 20, 2022
Occupational Factors That Disability Insurance Carriers Consider When Applicants Apply for Disability – Exploring Verifiable Occupational Duties and Professional Licenses
Dec 14, 2022
How Social Security and Long-Term Disability Claims Interact
Dec 06, 2022
Understanding the Standard of Review - Why It Matters in Your ERISA Long-Term Disability Claim
Nov 29, 2022
More on ME / CFS and Fibromyalgia - Plus, How Carriers Misuse Policy Clauses
Nov 22, 2022
Long-Term Disability Claims Based on Shoulder Problems - Impingements, Torn Tendons / Rotator Cuffs, Bone Spurs, Bursitis, and Post-Surgical Musculoskeletal Disorders
Nov 15, 2022
The Crossroads Between ERISA Disability and Life Insurance Claims
Nov 08, 2022
UNUM’s past Claims Handling - How It Can Inform You of the Tactics They Will Continue to Use in the Future
Nov 01, 2022
How Disability Carriers Cherry-Pick Claims for Denial Justifications
Oct 18, 2022
More on ME / CFS and Fibromyalgia - Meeting the Onerous Elimination Period in Your Policy, and the Lengths Carriers Will Go to in Order to Deny Your Claim
Oct 04, 2022
Job Status, Situational Factors, and More - What Disability Carriers Do with These to Determine Your Occupation, and How That Can Impact Your Disability Case
Sep 22, 2022
Social Media, Criminal Background Checks, and Unemployment - What Disability Carriers Do with These to Determine Your Occupation, and How That Can Impact Your Disability Case
Sep 07, 2022
How Disability Carriers Evaluate Your Initial Application - Understanding the Three Approaches That Will Be Employed
Aug 30, 2022
UNUM and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know
Aug 23, 2022
Student Loan Update - How It Impacts Your Disability, with Special Guest Karen Cody-Hopkins
Aug 19, 2022
Aetna and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know
Aug 16, 2022
The Common and Disabling Symptoms of Multiple Sclerosis - What Carriers Are Looking for in Your Medical Records, and What They Will Overlook to Justify a Claims Denial
Aug 09, 2022
The Games Carriers Play with Your Social Security and Retirement Benefits
Aug 01, 2022
Misrepresentations on Your Disability Enrollment Forms - How They Can Destroy Your Disability Claim
Jul 26, 2022
More on Myalgic Encephalomyelitis / Chronic Fatigue Syndrome (ME / CFS) Disability Claims
Jul 19, 2022
What Every Attorney Needs to Know about Long-Term Disability Insurance - Plus, the Three Ways to Purchase a Disability Plan or Policy
Jul 12, 2022
Hearing Loss, Tinnitus, and Meniere’s Disease - How Disability Insurance Carriers View These Disability Claims
Jul 05, 2022
What Every Physician Needs to Know about Buying Long-Term Disability Insurance Policies - Plus, How This Applies at Any Stage of Their Career
Jun 28, 2022
Hot Topics - Disability Claims and Jobs (What You Need to Consider When You Are Thinking about Quitting Your Job and Applying for Disability, or When You Get a New Job)
Jun 21, 2022
What Small Business Owners Need to Know about Applying for Disability Insurance Benefits - Plus, What Not to Do after Winning Your Claim
Jun 14, 2022
Disability Claims for Nurses - The Disability Insurance Claims Processes Most Common in a Nurse’s Disability Claim
May 02, 2022
The Pitfalls of Social Media - Understanding the Impact of Social Media Use on an ERISA Long-Term Disability Claim
Mar 31, 2022
Functional Capacity Evaluations - The Impact They Can Have on Your Disability Claim
Jan 27, 2022
The Importance of Attending Physician Statement Forms - Understanding the Role of These Forms in Your Long-Term Disability Insurance Claim
Jan 10, 2022
United of Omaha and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know
Nov 15, 2021
Fibromyalgia and Your Long-Term Disability Claim
Nov 08, 2021
How Much Are You Going to Be Entitled To - Understanding Payment / Compensation When Filing a Claim for Long-Term Disability Benefits
Nov 01, 2021
MetLife and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know
Oct 25, 2021
Medical Records and Your Attending Physician Statement Forms - How the Contents of Your Medical Records, and Your Attending Physician Statement Forms, Can Be Used by the Disability Insurance Carrier to Deny Your Claim
Oct 11, 2021
All about ME / CFS Claims - The Common Reasons These Disability Insurance Claims Get Denied, How the Carrier Reacts to These Claims, and How the Mishandling of These Claims Can Inform the Future of Long-Term COVID-19 Disability Claims
Oct 05, 2021
What You Need to Know as a Prudential Disability Insurance Policyholder
Sep 13, 2021
The Intersection of Long-Term Disability and Personal Finances - Taxability and Overpayments, with Special Guest Larry Weinstein
Aug 17, 2021
Filing for Bankruptcy as a Recipient of Disability Benefits - What Long-Term Disability Policyholders Need to Know
Aug 17, 2021
Field Form Mistakes, P2 - The Mistakes Made during a Field Interview That Can Ruin Your Long-Term Disability Claim
May 10, 2021
Field Form Mistakes, P1 - The Mistakes Made during a Field Interview That Can Ruin Your Long-Term Disability Claim
May 03, 2021
Parkinson's and Long-Term Disability Claims
Apr 19, 2021
What You Need to Know about ADL Forms - Understanding the Forms That the Disability Insurance Carrier Will Require You to Fill Out, and How They Can Be Used to Deny or Terminate Your Claim for Benefits
Mar 22, 2021
Attending Physician Statements - What an Attending Physician Statement Is, and How It Can Make or Break Your Case from the Start
Mar 08, 2021
The Intersections between Disability and Employment Law - Chatting with Special Guest Attorney Marcus Castillo
Feb 22, 2021
Work History Forms - What You Need to Know about the Work History Forms the Disability Carrier Sends You during the Application Process
Feb 15, 2021
Wills and Estate Planning - Why Those Living with Disability Should Consider Having a Will, and What You Should Know About Estate Planning, Featuring Estate Planning Attorney Autumn Hancock
Feb 08, 2021
What You Need to Know about the Long-Term Disability Application Process - The Work History Forms, and the Definition of Your Occupation
Feb 01, 2021
The Impact of Filing for Divorce on the Disability Insurance Benefits Process - Chatting with Special Guest, Attorney Kristina Feher
Jan 18, 2021
Adequate Proof of Loss - What You Need to Know about Providing Your Disability Insurance Carrier with Adequate Proof of Loss
Jan 11, 2021
Why You Need to Know What Is in Your Disability Policy - Knowing Your Policy before You Stop Working and Apply for Benefits
Jan 04, 2021
The Difference in the Standard of Disability between Social Security Disability Claims and Long-Term Disability Insurance Policies
Dec 28, 2020
The Importance of the Individual Definitions of Terms in an ERISA Long-Term Disability Insurance Policy
Dec 21, 2020
The Games That Disability Insurance Carriers Will Play Concerning the Last Day a Policyholder Was at Work When Trying to Avoid Paying Their Disability Benefits
Dec 15, 2020
What You Need to Know about Long-Term Disability Policy Riders - How They Can Enhance Your Policy
Dec 07, 2020
Diabetes - The Evaluation Process Disability Insurance Carriers Use in Every Diabetes Long-Term Disability Claim for Benefits
Nov 30, 2020
Mental / Nervous Policy Limitations - How Disability Insurance Carriers Will Use Mental / Nervous Policy Limitations to Limit the Payment of Benefits
Nov 23, 2020
Liberty Mutual - The Games Liberty Mutual Will Play When Trying to Deny a Long-Term Disability Policyholder’s Claim
Nov 16, 2020
Mutual of Omaha - What You Need to Know as a Mutual of Omaha Long-Term Disability Policyholder
Nov 09, 2020
Breast Cancer - What You Need to Know about How Disability Insurance Carriers Handle Breast Cancer Disability Claims
Nov 02, 2020
Elimination Periods - What an Elimination Period Is in a Long-Term Disability Insurance Policy, and How It Can Destroy Your Claim
Oct 26, 2020
How Disability Insurance Carriers Take Advantage of Their Policyholders and the Preexisting Condition Exclusion
Oct 19, 2020
How ERISA Offsets for Social Security Disability Benefits Can Destroy the Value of an ERISA Disability Policy
Oct 12, 2020
Offset Provisions - How Offset Provisions Can Ruin the Value of Your Long-Term Disability Claim
Oct 05, 2020
ERISA Welfare Benefits - The Seven Things Disability Policyholders Need to Know about ERISA Welfare Benefits
Sep 29, 2020
What to Do if Your Short-Term Disability Claim Has Been Denied before You’ve Been Paid
Sep 28, 2020
The Unwritten Truths about Short-Term Disability
Sep 21, 2020
The Differences between Group and IDI Policies
Sep 15, 2020
Beginning Isn't Easy
Aug 13, 2020