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Welcome to Season 6, Episode 27 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into When Life Changes Fast: How to Protect Your Financial Future (With Guest Glen Golish).

Financial planning is often built on the expectation that income will remain steady over time. But when a disability, serious illness, or other unexpected life event disrupts that income, even carefully constructed financial plans can be put to the test. In this episode, attorney Nancy Cavey is joined by Glen Golish, LUTCF®, CFBS®, BSP, to examine how financial planning strategies should adapt when someone transitions from earning a paycheck to relying on Long-Term Disability benefits. Together, they explore financial gaps that can emerge during this transition, the role life insurance and long-term care planning can play in creating greater flexibility and security, and the costly decisions people often postpone until it's too late. This episode explores practical planning strategies and common pitfalls and offers valuable insights for anyone seeking to build a financial plan that can withstand life's uncertainties.

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

One - From Income Protection to Financial Strategy

Two - Tools for Financial Protection

Three - Avoiding Pitfalls and Planning Ahead

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 26 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into ERISA Disability Appeals: What the Insurance Company Hopes You Never Learn.

Claimants appealing the denial of Long-Term Disability benefits under ERISA feel overwhelmed by insurance companies that appear to control every aspect of the claims process. Yet, insurers are bound by federal regulations that govern how disability claims must be evaluated, and understanding those rules can make all the difference during an appeal. In this episode, attorney Nancy Cavey takes an in-depth look at the hidden mechanics of the ERISA disability appeals process by examining the tactics insurers commonly use to deny claims and the legal standards that can be used to challenge those decisions. Through the analysis of three recent federal court cases, she explains how claimants can identify insurer strategies, build stronger appeals, and better protect their rights while pursuing the disability benefits they deserve.

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

One - Title 29 of the Code of Federal Regulations, Section 2560.503-1

Two - Three Federal Court Cases That Exposed the Insurance Company Playbook

Three - Building Your ERISA Survival Playbook

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 25 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into Unum Exposed: The Tactics Behind Disability Claim Denials.

Claimants pursuing Long-Term Disability benefits face more than the burden of proving they cannot work, as they must also contend with insurers that aggressively scrutinize medical evidence, reinterpret policy provisions, and use procedural tactics to justify claim denials. In this episode, attorney Nancy Cavey examines how Unum evaluates disability claims by analyzing three recent federal court decisions that reveal common strategies used to challenge claims. By exploring these cases, she explains how claimants can anticipate insurer tactics, strengthen their evidence, prepare themselves, and protect their rights throughout the disability claims process.

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

One - Introduction to 29 CFR and Why It Is Important in ERISA Cases

Two - A Summary of Three Cases, the Games That Unum Tried to Play, and What the Courts Ruled

Three - What ERISA Policyholders Can Learn From These Three Cases

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 24 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into When Disability Claims Get Reassessed: Vocational Reviews, DIY Legal Traps, and the Hidden Risks in Building Your Own Case.

Disability claims are often complicated not because a claimant's medical condition improves, but because the standard used to evaluate disability shifts over time. As policies transition from "own occupation" to "any occupation" standards, insurers rely on vocational reviews, transferable skills analyses, labor market assessments, and other tools to argue that claimants remain capable of working despite ongoing functional limitations. At the same time, many claimants attempt to strengthen their claims by interpreting policy language, organizing evidence, or using AI-assisted research without recognizing how those efforts can affect the administrative record under ERISA. In this episode, attorney Nancy Cavey examines how disability claims are challenged during vocational reassessments, why the administrative record (not personal narrative) drives claim decisions, and how well-intentioned self-advocacy can unintentionally affect the outcome. Together, these insights demonstrate that ERISA disability claims are often determined less by how disability is experienced than by how it is documented and communicated through the framework insurers use to evaluate eligibility for Long-Term Disability benefits.

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

One - How Vocational Reviews Are Used to Terminate Disability Benefits

Two - The Hidden Risks of DIY Legal Strategy in Disability Claims

Three - Why Using AI for Your Disability Case Can Backfire Legally

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 23 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into The Burden of Proof: Inside Neurological Disability Claims.

Disability insurance claims involving neurological conditions are frequently misinterpreted as disputes solely over medical evidence, but the outcome often hinges on how symptoms are documented in medical records and how they are interpreted and evaluated under ERISA. Conditions such as migraines, Parkinson's disease, and trigeminal neuralgia can result in profound functional limitations while leaving little objective evidence on imaging or clinical testing, creating opportunities for insurers to challenge the severity of a claimant's disability. In this episode, attorney Nancy Cavey examines three disability cases that illustrate how carriers rely on treatment gaps, reports of improvement, normal diagnostic findings, and perceived inconsistencies in medical records to deny or terminate benefits. She discusses a chronic migraine claim upheld in federal court, strategies for documenting subjective Parkinson's symptoms, and a trigeminal neuralgia case in which a federal judge rejected an insurer's demand for objective proof of debilitating pain. Together, these cases demonstrate that medical records serve as both treatment histories and the foundation of ERISA disability claims, shaping how insurers and courts evaluate eligibility for Long-Term Disability benefits.

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

One - How to Avoid Having Your Chronic Migraine Long-Term Disability Claim Denied

Two - Tips on How to Document Dizziness, Vertigo, and Balance Problems in Your ERISA Parkinson’s Case

Three - Does Trigeminal Neuralgia Qualify as a Sickness or Injury Under a Cigna Disability Insurance Policy?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 22 of Winning Isn't Easy. In this episode, we'll dive into When the Body Breaks but the Policy Doesn’t Listen.

Disability insurance claims are often presented as questions of medical evidence, but the outcome frequently depends on something else entirely: how a person's limitations are defined, classified, and translated into policy language. The gap between experience and contractual definitions can become especially significant when insurers evaluate complex occupations, subjective symptoms, or functional impairments that do not fit neatly into standardized vocational categories. In this episode, attorney Nancy Cavey examines three disability cases that illustrate how these disputes arise and why occupational definitions often play a central role in claim decisions. She discusses the challenges faced by a river pilot with long COVID symptoms, the importance of "own occupation" language in disability policies, and the difficulties of assessing chronic pain and medication-related cognitive impairments within the framework of vocational analysis. Together, these issues demonstrate that disability claims are rarely determined by medical diagnoses alone. Instead, they reveal how medical evidence, occupational duties, vocational classifications, and legal standards intersect to shape disability determinations, and why understanding that process is critical when pursuing Long-Term Disability benefits.

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

One - Rolling, Rolling Down the River - How the River Pilot With Long COVID Lost His Unum ERISA Disability Claim

Two - When Definitions Decide Disability - Why “Own Occupation” Is Often the Real Battleground

Three - Don’t Let a Disability Carrier or Plan Ignore How Long-Term Opioid Use and Side Effects Can Prevent You From Performing Your Own Occupation

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into Burns and Long-Term Disability.

Burn injuries are often viewed as acute medical events, but their effects can extend far beyond the initial incident. Depending on the depth and severity of the injury, burns can lead to lasting complications such as chronic pain, infection, scarring, contractures, and permanent functional limitations that affect a person's ability to work and perform everyday activities. In this episode, attorney Nancy Cavey examines how burn injuries are classified, how they are treated, and the long-term physical consequences they can produce. She discusses the medical progression of burn injuries, the challenges associated with recovery and rehabilitation, and the factors disability carriers consider when evaluating whether a burn-related condition has become a disabling impairment. Together, these issues illustrate how a burn injury can evolve from a temporary medical condition into a Long-Term Disability claim, and why understanding the medical and functional impact of burns is critical when pursuing disability benefits.

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

One - What Burns Are (Definition, Types, Causes)

Two - Symptoms, Complications, and Treatment

Three - Burns and Long-Term Disability Evaluation

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 20 of Winning Isn't Easy. In this episode, we'll dive into The Technical Rules That Decide ERISA Disability Claims.

ERISA disability claims are often decided not only by medical evidence, but by technical policy provisions that many claimants never realize will determine the outcome of their case. Terms that appear straightforward (such as “active employment,” “regular attendance” of a physician, or whether a condition is classified as an “injury” or a “sickness”) can significantly affect eligibility for benefits and how long those benefits will last. In this episode, attorney Nancy Cavey examines three real disability cases that illustrate how seemingly minor policy language can have life-changing consequences. She discusses a physician who unknowingly lost his disability coverage after reducing his work hours, an insurer’s attempt to deny benefits based on its interpretation of a treatment requirement, and a surgeon whose lifetime benefits hinged on the distinction between an accident and an injury. Together, these cases reveal how technical definitions and policy language can shape the outcome of ERISA disability claims, and why understanding these rules before making critical decisions is essential to protecting disability benefits.

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

One - The Danger of Reducing Your Hours

Two - What Does the Term “Regular Attendance” Mean in an ERISA Disability Claim and How Disability RMS Weaponized “Regular Attendance” to Deny a Valid Claim

Three - How the Difference Between the Terms Accident and Injury Can Impact How Long You Get Your ERISA 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into When Expertise Isn’t Enough: A Doctor’s Disability Journey With Long COVID (With Guest Dr. Zeest Khan).

Long COVID has challenged not only medicine, but also the disability insurance system. Insurers often characterize these claims as subjective, difficult to measure, or lacking definitive proof, leaving claimants to navigate a process that can struggle to account for fluctuating symptoms and complex limitations. In this episode, attorney Nancy Cavey speaks with Dr. Zeest Khan, an anesthesiologist whose own experience with long COVID forced her transition from doctor to patient. They discuss how that perspective reshaped her understanding of chronic illness, the realities of pursuing SSDI and Long-Term Disability benefits, the challenges posed by independent medical exams, and why long COVID continues to expose gaps in the way disability claims are evaluated.

Check out Dr. Khan's website here: https://longcovidmd.com/

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

One - From Physician to Patient: Identity, Illness, and a New Path

Two - Inside the Disability Maze: LTD, SSDI, and System Gaps

Three - Advocacy and Strategy: Navigating Claims with Long COVID

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 18 of Winning Isn't Easy. In this episode, we'll dive into How Claimants Accidentally Destroy Their Own Disability Cases.

Sometimes the biggest threat to an ERISA disability claim isn’t the insurance company - it’s the claimant. Missed treatment, inconsistent statements about daily activities, poor documentation, or even filing a lawsuit incorrectly can destroy an otherwise valid case. In this episode, we examine three real disability claims that unraveled because critical rules weren’t followed. We explore how gaps in medical care can violate a policy’s “regular care” requirement, how everyday activities like travel or golf can be used to undermine allegations of disabling pain, and how procedural mistakes in federal court can lead to dismissal before a case is ever heard. These cases show how insurers scrutinize not only medical conditions, but also credibility, consistency, and compliance with policy requirements. We also discuss why tactics such as careful documentation, ongoing treatment, and experienced legal guidance are often essential to protecting disability benefits under ERISA.

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

One - Why Not Getting Regular Medical Care or Following Treatment Recommendations Can Doom Your Disability Insurance Claim

Two - Golfing Dooms Chronic Low Back ERISA Disability Claim

Three - Abraham Lincoln Got It Right! Why Representing Yourself in an Insurance Disability Matter Is Never the Right Move

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into Why ChatGPT Can’t Get Your ERISA Disability Claim Right (and What Actually Works).

Let’s say you’re living with fibromyalgia, chronic fatigue syndrome, postural orthostatic tachycardia syndrome, multiple sclerosis, Parkinson’s disease, or recovering from a stroke, and the high-stakes, cognitively demanding job you once handled now feels out of reach. What should you do next? Stop working and file for ERISA disability benefits? Talk to an attorney? Or rely on generalized advice from online tools or AI? In this episode, we examine why one-size-fits-all answers (typically provided by AI) often miss the mark. Disability carriers don’t evaluate claims in the abstract, they scrutinize how your specific symptoms translate into functional limitations, especially when cognitive impairment is involved. Drawing on real cases, we break down how insurers assess these conditions, where claimants go wrong, and why incomplete or generic guidance can jeopardize otherwise valid claims. We also explore how an evidence-driven approach, backed by experienced legal guidance, can make the difference between approval and denial. If you’re navigating a complex disability claim tied to cognitive or neurological conditions, this episode offers a clearer view of what actually matters, and how to protect your benefits.

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

One - When ChatGPT Gives You the Wrong Answer

Two - How Disability Carriers Really Evaluate Cognitive Impairment Claims

Three - The “Own Occupation” Trap and How to Win Your Case

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 16 of Winning Isn't Easy. In this episode, we'll dive into When Insurance Companies Get It Wrong (and Sometimes Lose).

Insurance companies often claim they’re just “following the plan” when denying disability benefits. But in many ERISA cases, the real dispute isn’t whether someone is disabled, it’s how the insurer interprets the evidence, which medical opinions it chooses to credit, and how far it will go to defend a denial once it’s made. From surveillance footage that captures only moments of activity to peer reviews that dismiss extensive medical records, disability carriers frequently rely on selective evidence and insurer-retained experts to justify cutting off benefits. In this episode, we examine three real cases where federal courts scrutinized those tactics. We explore how insurers used surveillance to terminate Long-Term Disability payments, rejected claims involving cognitive dysfunction and dysautonomia despite significant documentation, and relied on medical opinions built on assumptions that weren’t supported by the record. Along the way, we break down how ERISA’s deferential standard shapes these disputes, why courts sometimes find insurer decisions arbitrary or inconsistent, and what these rulings reveal about the strategies carriers use during claim reviews. If you’re pursuing Short- or Long-Term Disability benefits, this episode offers a closer look at how denial decisions are defended, and what can happen when a court concludes the insurer got it wrong.

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

One - How Physical Therapy Notes Prompted Surveillance and How Hartford Used Surveillance Against a Disability Policyholder Who Suffered Chronic Pain

Two - Cognitive Dysfunction, Fatigue, and Dysautonomic Symptoms as a Result of COVID Vaccination Results in Disability Benefit Litigation

Three - How Appalachian Regional Health Care Wrongfully Denied a Disability Retirement Claim and What One Federal Judge Had to Say

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 6, Episode 15 of Winning Isn't Easy. In this episode, we'll dive into Asking AI for Real, Honest, and Legally Accurate Answers About Filing an ERISA Disability Claim Is Asking for a Claim Denial.

What if the guidance you rely on for your disability claim isn’t just incomplete - but actively leading you toward a denial? When it comes to ERISA disability claims, generic answers, even those that sound confident and informed, can overlook critical nuances that determine whether your claim is approved or rejected. From misunderstandings about policy language to oversimplified advice about when to stop working or how to document limitations, relying on AI-generated guidance can create gaps that insurers are quick to exploit. In this episode, we unpack the risks of asking tools like ChatGPT for legal advice on ERISA claims, especially for individuals facing complex medical and vocational realities after events like a stroke. We explore why age, cognitive decline, and changing work capacity require individualized analysis, how disability carriers evaluate these factors, and why seemingly reasonable assumptions can backfire during a claim review. You’ll hear how real claimants have relied on AI for answers, only to discover that critical details were missed, misinterpreted, or oversimplified. If you’re considering filing for Short- or Long-Term Disability benefits, this episode explains why personalized legal guidance still matters - and how relying on the wrong source of information could ultimately decide the outcome of your claim.

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

One - The Dangerous Illusion of AI Legal Guidance

Two - When AI Gets It Wrong - and Why That Matters

Three - The Only Question That Matters - What Changed?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 14 of Winning Isn't Easy. In this episode, we'll dive into Own Occupation vs. Any Occupation: How Carriers Twist Your Job - and the Law - Against You.

What if your disability claim is denied not because you can work - but because the insurer redefined what your job actually is? By shifting your role from specialist to generalist, or from medium duty to sedentary, carriers can deny valid ERISA disability claims while insisting they followed the policy. In ERISA cases, the definition of your occupation often matters more than your diagnosis. Insurers don’t just assess disability - they decide what job you’re supposedly unable to perform, and that decision is often tilted in their favor. In this episode, we break down how disability carriers misclassify occupations, rely on outdated job descriptions, and use tools like the Dictionary of Occupational Titles to justify denials. We examine how these tactics play out in real claims, why distinctions like light versus medium duty can determine outcomes, and how courts respond when insurers push too far. If you’re navigating a disability claim, this episode explains why “own occupation” may not mean what you think - and how that distinction can decide whether benefits are approved or denied.

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

One - Is Your Disability Insurance Carrier or Plan Playing the Misclassification-Of-Occupation Game in Denying Your ERISA Disability Insurance Benefits?

Two - In an ERISA Case, Can a Disability Carrier Legally Use the Dictionary of Occupational Titles to Determine Your Occupation?

Three - Bench Trial or No Bench Trial in an ERISA Disability Case

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 13 of Winning Isn't Easy. In this episode, we'll dive into Understanding Aplastic Anemia and Its Impact on Long-Term Disability.

Aplastic anemia is a rare but serious condition that can profoundly affect your ability to work. It’s not just an abnormal lab result - when the bone marrow fails to produce enough blood cells, fatigue, infections, bleeding risks, and cognitive difficulties can quickly interfere with daily functioning. In the context of a Long-Term Disability claim, these symptoms can create complex questions about work capacity, treatment, and medical documentation. In this episode, we break down what aplastic anemia is, how it develops, and why it matters for disability claims. We then examine the symptoms and functional limitations that often impact work, from severe fatigue to concentration challenges. Finally, we explore complications, treatments, and how these factors shape the disability claim process. If you or someone you care about is navigating aplastic anemia and a disability claim, this episode explains how the medical realities of the condition intersect with the documentation and strategy needed to support disability benefits.

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

One - What Is Aplastic Anemia?

Two - Aplastic Anemia Symptoms and Their Link to Disability

Three - Aplastic Anemia’s Complications, Treatment, and Their Link to Disability

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 12 of Winning Isn't Easy. In this episode, we'll dive into How Disability Carriers Manufacture Reasons to Deny Claims.

Imagine qualifying for Long-Term Disability benefits, only to have your insurer cite a vacation, a college class, or a game of pickleball as proof you can still work. Surveillance footage, social media posts, and selective medical reviews can quickly become the basis for a denial you never saw coming. ERISA disability claims often turn less on diagnoses or surgeries and more on how insurers interpret daily activities, medical records, and how “stable” a condition appears on paper. Routine moments of normal life can be reframed as evidence of employability, while peer reviews, surveillance, and insurer-friendly standards of review are used to justify terminating benefits. In this episode, we explore how everyday activities are weaponized against claimants, how medical stability is reinterpreted to argue work capacity, and why courts sometimes uphold these denials despite serious medical conditions. If you’re navigating - or trying to protect - an ERISA disability claim, this episode explains why careful documentation, precision, and strategy can make all the difference.

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

One - Can Taking an African Safari, Attending College Classes, and Playing Pickleball Destroy Your ERISA Long-Term Disability Claim?

Two - How a Hartford ERISA Disability Claim for Rheumatoid Arthritis and Spine Surgery Played Out at the Any Occupation Stage of the Claim

Three - Is Discovery Allowed in an ERISA Disability Claim When the Carrier or Plan Has Created Reasons to Deny Your 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 11 of Winning Isn't Easy. In this episode, we'll dive into When Carriers Weaponize Diagnoses.

ERISA disability claims often hinge on technical definitions that determine whether benefits continue or disappear. Insurance carriers frequently focus less on whether someone is truly unable to work and more on how a diagnosis, treatment provider, or policy term can be interpreted to limit coverage. Neurological conditions may be reclassified as mental illnesses to trigger stricter benefit caps, treating physicians can be discounted if they do not meet narrow policy definitions, and critical evidence - such as medication side effects that make working unsafe - may be minimized or ignored. Even financial definitions buried in policy language, like how “earnings” are calculated, can drastically change the outcome of a claim and sometimes lead to massive repayment demands. In this episode, we examine three issues that frequently shape ERISA disability disputes: how insurers use diagnostic classifications to impose mental-illness limitations, how policy definitions of acceptable medical providers and “time-relevant” evidence can be used to dismiss supporting documentation, and how technical income calculations can trigger benefit reductions or overpayment claims. If you’re navigating an ERISA disability claim, this episode explains why understanding the policy language and legal framework can be just as critical as proving the medical reality of your disability.

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

One - Functional Neurological Disorders and Your ERISA Disability Case

Two - Must a Disability Carrier or Plan Take Into Consideration the Sedating Effects of Medication in Deciding if You Are Entitled to Your ERISA Disability Benefits?

Three - The Earnings Definition Can Make All the Difference in How Much You Get in Your Long-Term Disability Benefits

Four - How Courts View Unum’s Game of Rejecting Evidence Submitted as Part of an Appeal as Not Being Time-Relevant

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 10 of Winning Isn't Easy. In this episode, we'll dive into Technicalities, Traps, and Missed Deadlines.

ERISA disability claims are governed by strict rules that can determine whether benefits are approved or denied. Filing deadlines, notice requirements, and appeal procedures often give insurance carriers leverage to delay or reject claims, even when a condition clearly prevents someone from working. Insurers don’t just evaluate medical evidence. They closely examine whether claimants complied with policy terms, including timely notice and proper filing of STD and LTD claims. Missing a deadline or failing to follow procedures can jeopardize benefits entirely. In this episode, we break down three key issues that frequently impact ERISA disability claims: how improper claim filing and notice failures can block benefits, how mental incapacity and delayed notice affect claim timing, and why pre-litigation attorney fees are often not covered even when a denial is wrongful.

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

One - If You Are on Short-Term Disability, What Notice Must You Give to Your ERISA Disability Carrier That You Want to File for Long-Term Disability Benefits?

Two - Written Notice of a Disability Claim at Issue in Provident Brain Cancer Case

Three - Does My ERISA Disability Carrier or Plan Have to Pay Pre-Litigation Attorney Fees?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 9 of Winning Isn't Easy. In this episode, we'll dive into Long COVID and ERISA Disability: Avoiding Denials and Proving Your Claim.

Long COVID ERISA disability claims are often decided by how insurance carriers evaluate medical evidence and functional limitations. Symptoms like fatigue, brain fog, and shortness of breath can be debilitating, but insurers frequently argue they lack sufficient objective proof. As a result, claims may be delayed or denied even when the condition clearly affects a person’s ability to work. Carriers don’t just look at the diagnosis. They analyze residual functional capacity, compare medical restrictions to the duties of the claimant’s occupation, and sometimes argue that those skills could transfer to other jobs. If medical records or functional assessments aren’t clearly documented, insurers may claim the evidence fails to meet policy requirements. In this episode, we break down three issues that commonly affect long COVID ERISA disability claims: mistakes that cause claims to fail, how pre-existing condition provisions can limit coverage, and why challenging denials with stronger medical evidence is often critical to protecting benefits.

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

One - How to Lose Your Long COVID ERISA Disability Insurance Claim

Two - Court Upholds Unum Denial of Long COVID / POTS ERISA Disability Benefits

Three - The Importance of Challenging Every Reason for a Long COVID ERISA Long-Term Disability 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 8 of Winning Isn't Easy. In this episode, we'll dive into Pre-Existing Conditions and Cooperation Clauses: The Hidden Minefields in Long-Term Disability Policies.

ERISA disability claims are often decided by the fine print most people never notice. Pre-existing condition clauses, cooperation requirements, and requests for financial documentation give insurance carriers multiple ways to delay, deny, or terminate benefits - even when the medical condition itself is clearly disabling. Insurers don’t just evaluate the diagnosis; they examine policy timelines, how well claimants respond to information requests, and whether every requirement in the policy has been followed. Small technical missteps can quietly become the basis for a denial. In this episode, we break down three common pressure points in ERISA disability claims. First, we look at how pre-existing condition provisions can shape outcomes, including situations involving conditions like multiple sclerosis. Next, we explain how cooperation clauses can trap claimants when insurers demand ongoing information or documentation. Finally, we discuss the financial records carriers may request - and how failing to provide them can put benefits at risk. By the end, you’ll understand why success under ERISA often depends not just on proving disability, but on carefully navigating the policy’s fine print.

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

One - Pre-Existing Conditions and ERISA Disability Claims

Two - Cooperation Clauses and Claim Denials

Three - Financial Documentation and Cooperation Requirements

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 7 of Winning Isn't Easy. In this episode, we'll dive into Fighting for Fairness: Navigating ERISA Disability Claims for Rare Disorders.

Securing ERISA Long-Term Disability benefits with a rare medical condition often comes down to a hidden challenge: insurer misunderstanding. Disability carriers don’t just look at the diagnosis - they evaluate how clearly symptoms are documented, how doctors describe functional limits, and whether medical records explain why you can’t work. When a condition is rare or complex, gaps in understanding can quietly lead to delays or denials. In this episode, we break down how ERISA insurers evaluate rare disorders through three examples: Tracheobronchomalacia (TBM), Ehlers-Danlos Syndrome, and DiGeorge Syndrome. By the end, you’ll understand why success isn’t just about having a rare diagnosis - it’s about translating complex medical evidence into clear proof of disability under ERISA.

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

One - Getting Your ERISA Disability Insurance Benefits for Tracheobronchomalacia

Two - Getting Your ERISA Disability Benefits for Ehlers-Danlos Syndrome

Three - Getting Your ERISA Long-Term Disability Benefits for DiGeorge Syndrome

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 6 of Winning Isn't Easy. In this episode, we'll dive into The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim.

Securing ERISA Long-Term Disability benefits often hinges on a hidden danger: the ongoing proof required to keep them. Insurers don’t just assess whether a condition exists - they look for signs of improvement, weigh treating physician opinions, and scrutinize everyday activities for evidence you can still work. Even minor changes in medical records, mixed messages from doctors, or routine daily tasks can quietly undermine a valid claim. In this episode, we break down how perceived improvement, physician dynamics, and lifestyle details are used to challenge continued eligibility. By the end, you’ll understand why maintaining LTD benefits isn’t just about proving disability once - it’s about consistently documenting functional limits and avoiding the traps that lead to termination.

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

One - When Improvement in Cardiac Function Can End Your Benefits

Two - When Your Treating Physician’s Opinion Doesn’t Guarantee Your Claim

Three - Daily Activities That Can Kill Your ERISA Disability 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 5 of Winning Isn't Easy. In this episode, we'll dive into The Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims.

Understanding how cognitive and reading challenges show up in real work settings can determine whether a disability claim is fairly evaluated or misunderstood. Too often, Long-Term Disability decisions focus on diagnoses alone, overlooking how processing speed, reading accuracy, memory, and mental fatigue affect day-to-day job performance. Insurers may recognize a condition exists while still concluding work is possible - without fully accounting for sustained cognitive demands. In this episode, we examine what functional limitation really looks like when cognitive challenges are involved. Our guest, Russell Van Brocklen, shares research-driven insights into how reading and processing difficulties affect productivity, accuracy, and endurance at work. We cover three areas: connecting cognitive science to disability claims, translating research into usable claim evidence, and practical takeaways for attorneys, clinicians, and claimants. By the end, you’ll see why cognitive limitations must be evaluated in real-world terms, and why linking science to functional impact is key to protecting Long-Term Disability benefits.

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

One - Background and Context: Bridging Research and Disability Claims

Two - Translating Cognitive Science into Claim Evidence

Three - Practical Insights for Attorneys, Clinicians, and Claimants

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 4 of Winning Isn't Easy. In this episode, we'll dive into Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim.

Understanding how vocational evaluators fit into the ERISA disability process can be the difference between securing the Long-Term Disability benefits you paid for and having your claim unfairly denied. Disability carriers rely heavily on vocational experts, and their assessments often shape claim outcomes - sometimes in ways that don’t accurately reflect a claimant’s true functional abilities. Insurers don’t rely on medical records alone. They analyze residual functional capacity, past job duties, and whether your skills could transfer to other work. If your work history, limitations, or skills aren’t clearly documented, or if your occupation is misclassified, your claim can be delayed, reduced, or denied altogether. Vocational evaluations are especially decisive during the “own occupation” and “any occupation” phases of a claim. Small assumptions or errors in a VE report can have outsized consequences, making it critical to understand how these evaluations work and how they can be challenged. In this episode, we break the process down into three parts: what ERISA claimants need to know about vocational experts and transferable skills, why challenging the carrier’s VE is often essential, and how competing vocational opinions can protect your benefits. By the end, you’ll understand why winning an ERISA disability claim isn’t just about diagnosis - it’s about clearly presenting your functional limits and holding insurers’ experts accountable.

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

One - What Every ERISA Policy or Plan Holder Must Know About the Role of a Vocational Expert in Their Disability Insurance Claim

Two - Why You Must Have an Experienced ERISA Disability Attorney Attack the Opinion of the Carrier’s “Liar-for-Hire” Vocational Evaluator in Your Appeal

Three - The Hidden Battle of Experts - Your Vocational Evaluator vs. Theirs

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment.

ERISA disability claims often raise more questions than answers, and the way those questions are resolved can directly determine whether benefits are approved, delayed, or denied. Claimants are frequently left wondering how their past work is evaluated, what really changes when a claim moves from an “own occupation” standard to an “any occupation” standard, and how skills, limitations, or even outside benefits like unemployment factor into the carrier’s decision-making. While these issues may seem secondary, insurers rely on them heavily to assess whether you meet the policy’s definition of disability. In this episode, we unpack the most common questions that come up in ERISA disability claims. We explain how carriers analyze your work history, what they look for when assessing transferable skills, and how physical and mental restrictions are weighed against potential occupations. We also discuss how vocational evidence, functional assessments, and medical documentation are used together, and why gaps, inconsistencies, or vague information can undermine an otherwise valid claim. Additionally, we break down how other benefits and activities can intersect with your ERISA claim and influence how insurers interpret your ability to work. By the end of the episode, you’ll have a clearer understanding of how ERISA carriers evaluate employability, why certain questions are asked during the claims process, and what evidence matters most. More importantly, you’ll learn how understanding these issues can help you better position your claim, avoid common pitfalls, and protect your Long-Term Disability benefits.

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

One - The Dictionary of Occupational Titles and Your ERISA Claim

Two - Sedentary Work and Why It Matters

Three - Unemployment Compensation and ERISA Disability

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of Why Most Social Security Claims Matter to Your ERISA Disability Case.

Most people don’t realize how much their Social Security disability claim can shape the outcome of an ERISA Long-Term Disability case. While these are technically separate systems, ERISA carriers rely heavily on what’s contained in your Social Security file to decide whether to pay benefits, reduce them, or deny them outright. Insurers aren’t just looking at a diagnosis - they scrutinize medical records, treatment history, work background, daily activities, and the statements you made throughout the Social Security process, all with an eye toward consistency. In this episode, we break down why Social Security evidence plays such a critical role in ERISA disability claims. We explain what carriers look for in your initial application and reconsideration filings, identify the key documents within your Social Security file that insurers focus on most, and show how consultative exams, vocational opinions, or missing information can be used against you. We also discuss why timing matters - from when a claim is filed to how denials, approvals, and appeals can impact an ERISA review. By the end of the episode, you’ll understand that securing your Long-Term Disability benefits isn’t just about proving you’re disabled - it’s about documentation, alignment, and knowing exactly how insurers evaluate your Social Security record.

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

One - What ERISA Carriers Look for in Your Initial or Reconsideration Social Security Claim

Two - Congratulations, You Won Your Social Security Case! Now What?

Three - How ERISA Carriers Use a Favorable Social Security Decision to Deny or Terminate 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 6, Episode 1 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of The Gold in Your Social Security File: How Disability Carriers Use It Against You.

Most people assume Social Security Disability and ERISA Long-Term Disability benefits operate independently. While they are separate systems, what happens in one can significantly affect the other. Insurers don’t focus solely on diagnosis - they closely examine medical records, treatment history, daily activities, and statements made to Social Security to decide whether a claim meets the policy’s definition of disability. In this episode, we examine how Social Security intersects with ERISA disability claims. We explain why carriers seek access to your Social Security file, what key evidence it contains, and how inconsistencies, consultative exams, or vocational opinions can be used to reduce, deny, or terminate benefits. We also discuss why timing matters, from SSDI approval to ongoing reviews and appeals. By the end of the episode, you’ll understand that protecting your disability benefits isn’t just about your medical condition - it’s about strategy, documentation, and timing.

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

One - Setting the Stage: Why Your Disability Carrier Wants Your Social Security File

Two - Inside the File: What Medical Material Can Lead to an ERISA Denial

Three - Timing Is Everything: The Four Times Your Carrier Wants Your Social Security File

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 43 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Living Well With POTS: A Conversation With Nutritionist and Advocate Jill Brook."

Most people hear POTS or dysautonomia and assume they’re rare, poorly understood conditions with few treatment options. For patients living with them, however, the reality is far more complex - and deeply shaped by lived experience, nutrition, and daily management. In this episode, we examine POTS and dysautonomia through the lens of nutrition. Our guest is Jill Brook, MA, a nutritionist, researcher, and long-time advocate in the dysautonomia community. After a 17-year delay in receiving her own diagnosis, Jill transformed that experience into a mission to improve awareness and care. She is co-founder of PatientsCount.org, a former nutrition consultant to Dysautonomia Clinic, and host of The POTScast. We begin with Jill’s personal journey into the POTS community and the lessons learned from years of missed diagnosis. We then explore how nutrition (often overlooked) can play a meaningful role in managing symptoms. Finally, we discuss practical strategies for living well with POTS, from navigating healthcare systems to adapting daily routines. By the end of the episode, you’ll have a clearer understanding of POTS and dysautonomia - and why experience, nutrition, and thoughtful management are essential to better care.

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

One - Understanding POTS and Jill’s Journey

Two - Nutrition and Managing POTS

Three - Strategies for Living Well with POTS

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 42 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Winning Disability Claims: Lessons From Denials, Appeals, and Carrier Games."

Most workers assume an ERISA disability claim is straightforward - that if a medical condition keeps you from working, your insurer will pay. But under ERISA, benefits hinge on far more than a diagnosis. Carriers scrutinize the timing of your disability, gaps in treatment, the clarity of your medical records, and even your daily activities. A missing form, vague progress note, or inconsistent timeline can trigger a denial or termination, even when the disability is obvious. ERISA also hides procedural traps. Many policies require continuous proof of disability, and insurers police deadlines and documentation aggressively. Some even reshape the narrative - manipulating the onset date, treating routine activities as evidence of work capacity, or using minor lapses in care to cut off benefits. In this episode, we break down how these claims really unfold. We start with a case where Short-Term Disability was denied right before Long-Term Disability was set to begin - and the key steps to take before filing suit. Then we examine a physical therapy assistant with serious spinal injuries whose disability benefits were terminated, and how she reversed the decision by strengthening her medical evidence. Finally, we look at how carriers like MetLife play games with disability dates, and what you can do to stay ahead. By the end, you’ll see that winning an ERISA disability claim requires more than medical proof - it takes timing, documentation, and strategy to protect the benefits you rely on.

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

One - Short-Term Disability Benefits Denied One Week Before the Benefits Switched to Long-Term Disability – Ten Things to Do Before Filing a Lawsuit

Two - Physical Therapy Assistant Wins Reliance Standard Disability Claim After Termination of Benefits

Three - Moving the Goal Line and the Games That Disability Carriers Like MetLife Play With the Date of Disability

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 41 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "When Policy Limits Collide - Navigating Mental Nervous and Musculoskeletal Conditions in Long-Term Disability Claims."

Most people think a Long-Term Disability claim is decided by the diagnosis alone - that if you’re struggling with a mental health condition, chronic pain, or cognitive impairment, your insurer should simply recognize it. But LTD claims hinge on far more than the condition itself. Carriers scrutinize how your symptoms affect daily functioning, the consistency of your treatment, and how your providers document limitations. Even then, many claims get funneled into restrictive policy clauses that quietly cap benefits at two years. In this episode, we break down the medical side of LTD claims involving mental nervous and musculoskeletal limitations - an area full of misconceptions and insurer tactics that can derail legitimate claims. We start with caregiving responsibilities and daily activities, and how routine tasks can be used to undermine a mental nervous claim. Then we explore the blurry divide between physical and psychological impairments, using post-concussive syndrome to show how insurers reclassify conditions to fit benefit caps. Finally, we examine musculoskeletal limitations and how vague policy language lets carriers argue that chronic pain, spine conditions, or soft-tissue injuries don’t qualify for ongoing benefits. By the end, you’ll see why navigating these claims requires more than treatment - it demands precise documentation, strategic communication, and a clear understanding of how insurers evaluate evidence. This episode gives you the tools to protect your benefits and anticipate the carrier’s playbook.

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

One - How Taking Care of Your Spouse Can Destroy Your Mental Nervous Disability Claim

Two - When Physical Injuries Get Reclassified as Mental Disorders

Three - The Hidden Risk of the Musculoskeletal Disorder Limitation

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 40 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Navigating ERISA Disability Claims While Incarcerated."

Most people assume ERISA disability benefits work the way they should: if you’re disabled and can’t work, your insurer will keep paying. But incarceration complicates everything. Insurers don’t just review your diagnosis - they scrutinize your medical records, treatment history, and whether you’re meeting every requirement for ongoing proof of disability. Missed documentation can lead to suspended or terminated benefits. In this episode, we break down the realities of managing ERISA disability benefits while incarcerated - a process full of misconceptions, unique hurdles, and insurer tactics many policyholders never expect. We start with a Minnesota farm worker whose benefits were cut off in prison, then examine a wheelchair-bound policyholder whose claim was wrongfully denied by MetLife after incarceration. These cases show how insurers interpret policy language, evaluate evidence, and where claims often derail. Finally, we turn to practical strategies: how to maintain medical documentation from inside a facility, communicate with insurers, and work with attorneys to protect your benefits before, during, and after incarceration. You’ll learn that preserving ERISA disability benefits isn’t just about your condition - it’s about documentation, communication, and strategy. Let’s dive in.

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

One - Imprisoned Minnesota Farm Worker’s Symetra Benefits Terminated

Two - Wheelchair-Bound Policyholder Wrongfully Denied by MetLife

Three - Protecting Your ERISA Disability Benefits While Incarcerated

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

View Details

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 5, Episode 39 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Inside Disability Law: Insights and Lessons with Attorney Kate MacKinnon."

Most disability applicants think the claims process should be simple: you’re sick, you can’t work, and benefits should follow. But ERISA disability claims are full of misconceptions, hidden pitfalls, and insurance company tactics that can turn a legitimate claim into a long fight. In this episode of Winning Isn’t Easy, we’re joined by attorney Kate MacKinnon, a recently retired ERISA and individual disability lawyer who spent her career guiding policyholders through denials, appeals, and settlements. Drawing on decades of experience, Kate breaks down the realities every applicant needs to understand. We explore what led Kate to disability law and use her journey to reveal the misunderstandings that often hurt applicants - like the biggest myths about filing a claim, the confusion around appeals, and why many people unintentionally weaken their case by going at it alone. You’ll also learn practical strategies: how cases are valued, why and how they settle, what to look for in a disability attorney, and the most common mistakes people make managing claims or appeals themselves. Kate shares guidance on working effectively with attorneys to strengthen a case from the start. As she reflects on her career, she offers clear wisdom for applicants facing uncertainty. You’ll walk away with an honest roadmap to the claims and appeals process - and the insight to avoid costly missteps. Winning isn’t easy, but understanding what’s ahead can make all the difference.

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

One - Kate’s Path to Disability Law and Common Disability Misconceptions

Two - Disability Strategies and the Value of Working With Attorneys

Three - Other Wisdom and Kate’s Reflections on Her Career

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 38 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Beyond the Surface: Understanding Soft Tissue Conditions and Disability Claims."

Most people think proving a soft tissue injury should be simple - pain is pain, right? But in Long-Term Disability claims, carriers see it differently. Conditions like chronic back strains, tendonitis, or shoulder injuries often don’t appear on MRIs or X-rays, and insurers are quick to assume they’ll heal on their own. That assumption can turn a legitimate medical issue into an uphill battle for benefits. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey unpacks why soft tissue claims are some of the most misunderstood - and most denied - in disability law. You’ll learn how carriers evaluate these “invisible” injuries, what they look for in your medical records, and how they use recovery timelines and vague evidence to deny claims. Nancy walks through what you need to know: how soft tissue disorders actually affect the body, how insurers assess your functional capacity, and why detailed documentation - from therapy notes to functional assessments - can make or break your case. You’ll also learn how working closely with your doctor and attorney can strengthen your claim and ensure your records clearly show how pain limits your ability to work. By the end, you’ll understand why soft tissue claims require more than a diagnosis - they demand strategy, persistence, and proof that connects your pain to your work limitations. Winning Isn’t Easy, but with the right evidence and approach, you can turn a “soft” tissue claim into a strong case for the benefits you deserve.

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

One - What Are Soft Tissue Disorders?

Two - How Long-Term Disability Carriers View Claims for Soft Tissue Conditions

Three - What Medical Treatment Does a Long-Term Disability Carrier Expect?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 37 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Own Occupation vs Any Occupation: Breaking Down Disability Claim Stages."

Most people think that winning an ERISA disability claim comes down to proving you’re sick or injured enough to stop working. But that’s only half the battle. The real fight often happens on the work side of your claim - where insurance carriers dissect your job duties, analyze your skills, and argue that you can still perform “other work,” even if you can’t do your old job. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey breaks down how carriers use vocational analysis to deny claims - and what you can do to stay one step ahead. You’ll learn how insurers evaluate your own occupation versus any occupation, and why these two stages can dramatically change the outcome of your case. Nancy walks through the eight key questions carriers ask, from assessing your residual functional capacity and physical strength to determining how your skills might “transfer” to other jobs. You’ll also discover how labor market surveys, transferable skills assessments, and vague job descriptions can be used to distort your work history - and how to push back with detailed, accurate evidence. By the end, you’ll understand why your medical records alone aren’t enough, and how clear documentation of your job duties, limitations, and vocational profile can make or break your claim. When it comes to ERISA disability claims, knowing how your work is evaluated is just as important as knowing your diagnosis. Because when carriers twist the definition of “work,” you need to be ready to defend the truth. Winning Isn’t Easy, but with insight, preparation, and the right strategy, you can protect your benefits and your future.

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

One - The First Four Questions - Proving Disability at the Own Occupation Stage

Two - The Next Four Questions - Skills, Transferability, and the Labor Market

Three - The Any Occupation Stage - A Tougher Standard

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 36 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Frozen, Torn, or Unstable: Proving Shoulder Disability Claims."

Most people think that getting disability benefits for shoulder problems is as simple as showing medical proof - MRI results, surgical records, or doctor’s notes about your pain and limited motion. But when it comes to Long-Term Disability claims, that’s just the beginning. Insurance carriers often twist the facts, using your own records, treatment notes, or even your words against you to argue that you’re “better” or “should have recovered by now.” In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey breaks down what really happens when shoulder disorders collide with the claims process. You’ll learn how the shoulder actually works, and why even a “minor” injury can make it impossible to perform the essential duties of your job. Nancy covers the most common conditions that lead to claims, from rotator cuff tears and frozen shoulder to chronic instability and dislocations, and explains how insurers use tactics like “medical improvement” arguments, surveillance, and Activities of Daily Living forms to undermine your case. You’ll also hear practical advice on how to document your symptoms, treatment progress, and job limitations so your claim tells the full story - not the version your insurance company wants to tell. If your carrier says you’ve recovered, or insists you should be able to work through the pain, this episode shows you how to push back with medical evidence, clarity, and confidence. When it comes to shoulder disabilities, understanding your body, and your rights, can make all the difference. Winning Isn’t Easy, but with the right strategy, you can keep your claim strong and your benefits protected.

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

One - Understanding Shoulder Disorders, Anatomy, and the Claims Process

Two - Rotator Cuff Disorders and Long-Term Disability

Three - Frozen Shoulder and Long-Term Disability

Four - Shoulder Instability and Dislocation in Disability Claims

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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 qua

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Welcome to Season 5, Episode 35 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Hidden Role of Job Skills in Winning (or Losing) Your ERISA Disability Claim."

Most people think that winning a Long-Term Disability claim is all about proving you’re sick or injured, with medical records, doctor’s notes, or diagnostic tests. But in ERISA claims, that’s only half the story. What often makes or breaks your case isn’t just your health - it’s your job skills. Insurance companies know that every job leaves you with transferable abilities: skills, knowledge, and experience that could, in theory, be used in another line of work. And they use that to their advantage. By arguing that you can apply your past skills to a new occupation, carriers can deny or terminate benefits even when you clearly can’t return to your old job. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey explains how your work history and skill classification can shape the outcome of your claim. You’ll learn what “own occupation” really means, how insurers decide whether your work is skilled, semi-skilled, or unskilled, and how those labels can be twisted to fit their narrative. Nancy also discusses how vocational experts and work history forms are used, and sometimes misused, during the claims process, along with practical strategies to document your true job duties and protect your benefits. If your disability carrier says you can “do other work,” this episode shows you how to fight back with facts, clarity, and confidence. In disability law, understanding your skills isn’t just helpful - it’s essential. Winning Isn’t Easy, but with the right approach, you can make your story and your skills work for you.

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

One - The Own and Any Occupation Stages and Why Skills Matter

Two - How Carriers Classify Job Skills

Three - Work History, Vocational Experts, and Fighting Back

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 34 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Breast Cancer and Disability - Understanding the Condition, Its Impact, and Your Claim."

Most people assume that a breast cancer diagnosis automatically guarantees Long-Term Disability benefits, but in ERISA claims, it’s rarely that simple. Insurance companies often downplay symptoms, ignore treatment side effects, or misclassify your job duties to deny or terminate benefits. The truth is, even early-stage breast cancer can cause lasting physical and cognitive challenges that make full-time work impossible, and your paperwork must tell that story clearly. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey explains what it really takes to win a breast cancer Long-Term Disability claim. You’ll learn how insurers evaluate cancer-related claims, what evidence they find persuasive, and how to document limitations such as fatigue, pain, cognitive changes, and immune issues so your claim stands strong. We’ll also cover how your cancer stage, treatment plan, and occupation affect an insurer’s decision, and share a real-world case where benefits were cut off too soon and what it took to fight back. If you or someone you love is facing breast cancer while protecting your financial future, this episode offers the knowledge, strategy, and confidence to take control of your claim. Because in disability law, telling your story the right way isn’t just important - it’s essential. Winning Isn’t Easy, but with the right guidance, it can be done.

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

One - Breast Cancer and Its Symptoms

Two - How Breast Cancer Can Be Disabling

Three - Case Example – Lessons From the Kiersman Case

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 33 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "From Canes to Tech: Proving Disability with Assistive Devices."

Most people assume that using a cane, walker, or wheelchair automatically proves disability - but in ERISA claims, it’s rarely that simple. Insurance carriers don’t approve benefits just because you use an assistive device; they want to see why you need it, how it limits your daily function, and whether your medical records tell a consistent story. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey breaks down how assistive devices (like canes, braces, wheelchairs, and electric carts) can strengthen your Long-Term Disability claim when documented correctly. We’ll explore how to connect your device use to your medical conditions, what kind of documentation insurers actually find persuasive, and the common mistakes that can make even legitimate claims fall apart. What if your doctor prescribed a wheelchair, but the insurer still denies your claim? Does using a cane automatically mean you can’t perform sedentary work? How can you prove that your device isn’t just optional, but essential to your functioning? Nancy explains how to build the evidence trail insurers can’t ignore - linking your diagnosis, limitations, and assistive device into a clear, credible narrative. If you rely on an assistive device or wonder how it affects your eligibility for Long-Term Disability benefits, this episode will give you the clarity, strategy, and confidence to make your records work for you. Because in disability law, the story your paperwork tells can make all the difference - and Winning Isn’t Easy.

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

One - How Carriers View Assistive Devices

Two - Proving Medical Necessity

Three - How Specific Devices Affect Disability Claims

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 32 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability Claims: Your Questions About the Medical Side, Answered."

Most people assume proving disability is as simple as saying, “I can’t work.” But in ERISA claims, the medical side is where cases are often won - or lost. A diagnosis or doctor’s note isn’t enough. Carriers want detailed, consistent proof showing exactly how your conditions limit your ability to function. In this episode of Winning Isn’t Easy, we’re answering your medical questions about disability claims - and breaking down the traps insurers use to deny benefits. What happens when multiple conditions - like back pain, fatigue, and migraines - keep you from working, but insurers minimize their combined effect? How do mental health caps and exclusions for “subjective” conditions like fibromyalgia change your claim? And what are insurers really looking for in your medical records? Disability law expert Nancy L. Cavey explains how to use residual functional capacity forms to your advantage, avoid policy pitfalls, and make sure your records tell the full story. We’ll also tackle listener-submitted medical questions with practical steps you can use right now. If you’ve worried about whether your documentation is strong enough or struggled to show how your conditions prevent you from working, this episode will give you the tools - and confidence - to protect your benefits. Winning isn’t easy, but understanding the medical side puts you in control.

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

One - Multiple Disabilities and Residual Functional Capacity

Two - Policy Limitations – Mental Health, Subjective Conditions, and Benefit Amounts

Three - What Insurers Look for in Your Medical Records and Functional Capacity

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 31 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability Law, Explained: Tackling Your Most Pressing Questions."

Most people assume disability insurance and ERISA benefits will protect them when they can’t work. But the reality is often far more complicated. In this episode of Winning Isn’t Easy, we’re tackling the tough questions claimants face with insurers, employers, and the fine print buried in benefit plans. What happens if an insurance company accuses you of “coaching” your doctor? Can a separation agreement’s promise to “irrevocably release” your benefits actually stop you from making a claim? And why do insurers dismiss disabling conditions as “not severe enough” even when you can’t work? These aren’t hypotheticals, they’re real roadblocks people face every day. Disability law expert Nancy L. Cavey explains how to respond when your credibility is challenged, avoid traps in severance agreements, and push back when your medical condition is unfairly minimized. We’ll also answer listener-submitted questions, giving you practical guidance you can use right now. If you’ve worried about your rights after a claim denial, felt pressured to sign releases, or struggled to prove your condition is disabling, this episode will give you the tools - and confidence - to fight back. Winning isn’t easy, but knowing the rules puts you in control.

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

One - Can an Insurance Company Deny Your Claim by Accusing You of Coaching Your Doctor?

Two - Is a “Voluntary, Irrevocable, and Unconditional Release” of ERISA Benefits in a Separation Agreement Legally Binding?

Three - Answering Listener-Submitted Questions

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 30 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Getting Long-Term Disability Benefits for Stevens-Johnson Syndrome."

Most people expect Long-Term Disability insurance to step in when illness or injury prevents them from working. But for those living with the aftermath of Stevens-Johnson Syndrome (SJS), the reality is often far more difficult. Triggered by common medications, SJS is a devastating condition that can cause blistering rashes, organ damage, and lasting complications like vision loss, chronic pain, and breathing problems. Recovery may take months, but the effects can last a lifetime, making work not just difficult, but impossible. That’s when disability benefits should help. Instead, insurers often downplay the severity of SJS, deny claims by insisting patients have “recovered,” or ignore complications that make steady employment unsafe. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey explains what it takes to file - and win - a Long-Term Disability claim with SJS. You’ll learn what evidence matters most, how to document your limitations, which complications are commonly overlooked, and when to bring in legal help. If you or someone you love is battling the effects of SJS and struggling with a disability claim, this episode will give you the tools and strategies to fight back. Winning isn’t easy, but with the right approach, it’s possible.

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

One - Understanding Stevens-Johnson Syndrome (SJS) and Its Impact

Two - How Disability Carriers View SJS Claims

Three - Appealing Denials and Maximizing Your 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 29 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "When Your Disability Insurance Carrier Isn’t a Disability Specialist - What You Need to Know."

Most people buy disability insurance trusting the name on the policy. If a major insurer sells it, surely they know how to handle disability claims - right? Not always. For many big-name carriers, disability insurance is just a sideline to their main business of life, auto, property, or investment products. That lack of focus can cost you. Without specialized staff or resources, these companies often outsource reviews to third-party administrators or “independent” doctors who never meet you. The result? A system built to protect the insurer’s bottom line, not your future. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey exposes how three carriers - Ameritas, Chubb, and Voya - handle disability claims. You’ll hear how their processes differ from disability-focused insurers, the games they play to delay or deny benefits, and what you can do to protect yourself. If you have a policy from one of these companies - or any insurer where disability isn’t a priority - this episode will give you the tools to fight back. Winning isn’t easy, but with the right strategy, it’s possible.

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

One - Ameritas: Lack of Internal Resources and the Peer Review Trap

Two - Chubb: Big-Name Insurer, Small Disability Footprint

Three - Voya, ReliaStar, and the DRMS / Fullscope RMS Problem

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 28 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability and Disputed Illnesses: Navigating Claims Without Full Medical Recognition."

Some medical conditions cause symptoms so real and severe that they disrupt daily life, yet remain disputed or only partly recognized by mainstream medicine. For patients, it is not just a fight to be believed, it is also a fight to secure the disability benefits they need. With ERISA-governed Long-Term Disability insurance, the challenges are even greater. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey examines one of the most difficult areas of disability claims: conditions the medical community has not fully accepted. From chronic Lyme disease, fibromyalgia, and chronic fatigue syndrome to mental health diagnoses such as dissociative identity disorder, adult ADHD, and PTSD outside of combat, Nancy explains why these claims are often denied and what you can do about it. You will learn how insurers view subjective symptoms like pain, fatigue, and cognitive fog, why strong documentation and physician support matter, and the strategies that can help prove the impact of these conditions on your ability to work. Nancy also shares a real case example that shows how persistence and preparation can turn the tide. If you are living with a condition the medical world questions but your symptoms are real, this episode will give you the tools to fight for the benefits you deserve. Winning is not easy, but with the right strategy, it is possible.

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

One - Disputed Physical Conditions

Two - Disputed Mental Conditions

Three - Multiple Chemical Sensitivity (MCS)

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 27 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Vascular Malformations of the Brain."

Vascular malformations of the brain may be rare - but when they strike, the effects can be devastating. These defects in the brain’s blood vessels can trigger seizures, strokes, cognitive decline, and even life-threatening hemorrhages. For patients, it’s not just a medical battle - it’s also a fight to protect their livelihood. And with ERISA-governed disability insurance, the odds often feel stacked against you. In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey unpacks one of the toughest areas of neurological disability claims: vascular malformations and Long-Term Disability benefits. You’ll learn what these conditions are, how their unpredictable symptoms make steady employment difficult, and the common tactics insurers use to deny claims. Nancy shares proven strategies to strengthen your case - like building a detailed medical record, documenting symptom fluctuations, and avoiding traps such as “subjective condition” or mental health limitations. Whether you’re newly diagnosed, appealing a denial, or just trying to understand your coverage, this episode will give you the tools to protect your rights and fight for the benefits you deserve. Because when your brain - and your future - are at stake, winning isn’t easy, but it is possible with the right strategy.

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

One - What Are Vascular Malformations of the Brain?

Two - Navigating ERISA Disability Claims for Vascular Malformations

Three - Strategies to Build a Strong Claim and Avoid 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 26 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding "Own Occupation" Benefits Under ERISA Disability Insurance."

“Own Occupation” and “Any Occupation” might sound like simple terms - but in the world of Long-Term Disability insurance, they can make or break your claim. In today’s episode, disability law expert Nancy L. Cavey unpacks one of the most misunderstood but critical distinctions in disability policies: how your occupation is defined. If you’ve ever had to read a disability policy - or worse, file a claim - you know these definitions aren’t just legal jargon. They determine whether you’ll receive benefits when you can’t work in your specialized field, or whether an insurer can cut you off by arguing you could work in any other job, even one far outside your training, experience, or pay grade. Nancy breaks it all down: what “own occupation” and “any occupation” really mean, how these definitions can shift over time in an ERISA plan, and why understanding them early can be the key to protecting your income. You’ll learn the secrets to securing your own occupation disability benefits, common pitfalls that lead to denials, and specific strategies for those facing psychiatric disability claims - where insurers often push hardest to reclassify your case. Whether you’re just reviewing your coverage, preparing to file, or already battling a denial, this episode offers clear, actionable guidance to help you navigate the fine print and fight for the benefits you deserve. Let’s get started.

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

One - Own Occupation vs. Any Occupation – What’s the Difference?

Two - The Secret to Getting Your Own Occupation ERISA Disability Benefits

Three - Tips for Preventing a Denial of Own Occupation Psychiatric Disability Insurance Claims

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 25 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Short-Term Disability and Pregnancy: Understanding Your Rights and Benefits."

Pregnancy and Short-Term Disability don’t always go hand in hand - at least not the way they should. In today’s episode, disability law expert Nancy L. Cavey sheds light on a critical issue affecting millions of working women: the challenges of securing Short-Term Disability benefits during pregnancy. While pregnancy is often a time of excitement and change, it can also involve serious medical complications, extended leave, or postpartum recovery that makes returning to work impossible. That’s when Short-Term Disability insurance is meant to provide support - but the claims process is often anything but supportive. From unclear policy terms to denied claims and employer resistance, many women find themselves overwhelmed and underprotected at one of the most vulnerable times in their lives. Nancy breaks it all down - what pregnancy-related conditions qualify, how Short-Term Disability differs from long-term coverage, when to seek legal help, and how to fight back if your claim is denied. Whether you’re pregnant now, planning to be, or helping someone through the process, this episode offers clear, actionable guidance for navigating the system and securing the benefits you deserve. Let’s get started.

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

One - Understanding Short-Term Disability and Pregnancy

Two - Filing and Protecting Your Pregnancy-Related Disability Claim

Three - Knowing Your Rights and Seeking Support

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 24 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Hidradenitis Suppurativa."

Think hidradenitis suppurativa is just a skin condition? Think again. In today’s episode, disability law expert Nancy L. Cavey takes us deep into the realities of living - and working - with HS, a painful, chronic condition that affects far more than the skin. For many, HS causes relentless flare-ups, infections, and debilitating pain that can make holding down a job nearly impossible. Yet when it comes to filing for disability insurance benefits, claimants often face skepticism, delays, and denials from insurers who don’t understand the full impact of this condition. Whether you’re battling HS yourself or helping someone who is, this episode breaks down what you need to know about how HS affects work capacity, why insurance companies frequently get it wrong, and what you can do to protect your ERISA disability claim. Nancy shares expert insight on medical documentation, treating provider support, and the legal strategies that can make or break your case. Don’t miss this essential conversation about getting the benefits you deserve - even when your condition isn’t always visible. Let’s get started.

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

One - What Is Hidradenitis Suppurativa and How Is It Disabling?

Two - Do You Qualify for ERISA Disability Benefits Because of Hidradenitis Suppurativa?

Three - Building a Strong Disability Claim for Hidradenitis Suppurativa

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 23 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Medical Residents and Disability Insurance."

Think disability insurance can wait? Think again. In today’s episode, disability law expert Nancy L. Cavey breaks down one of the most important, yet often overlooked, decisions facing medical residents and fellows: protecting your ability to earn through disability insurance. You’re in the thick of training, focused on learning, growing, and surviving residency. But the reality is that life can change in an instant. An unexpected illness or injury could derail everything you’ve worked for. Nancy explains how the right disability policy can provide the financial security you need to keep paying student loans, maintain your lifestyle, and stay on track - even if you can no longer practice in your specialty. She dives into why your first financial decision as a resident might be the most important one you’ll ever make, what you need to know about GSI (Guaranteed Standard Issue) disability policies, and why timing is everything when it comes to coverage. Whether you’re just getting started or planning ahead, this episode offers practical insight and expert guidance you won’t want to miss. Let’s get started.

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

One - The First Business Decision Every Medical Resident or Fellow Should Make to Insure Their Financial Future

Two - I Am a Resident and Am Thinking About Getting a Disability Policy. What Is a GSI Disability Policy?

Three - The Six Reasons a Medical Resident Must Get a Disability Income Insurance Policy Now

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 22 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Living with a Voice Disorder: Sue Payne on Spasmodic Dysphonia, the Disability Process, and Finding New Purpose."

Thinking your voice doesn’t matter? Think again. In this powerful episode, disability law expert Nancy L. Cavey sits down with advocate and community leader Sue Payne - a Board Member of Dysphonia International and a force for change in the voice disorder community. Diagnosed with spasmodic dysphonia and cervical dystonia in 2017, Sue's life took a turn she never expected. But rather than retreat, she stepped up. With a background in public health, education, and corporate leadership, Sue shares how she navigated the loss of her literal voice - and the identity shifts that came with it. From applying for Long-Term Disability to organizing Walk for Talk events, mentoring others, and pushing for awareness and research, Sue offers a deeply personal look at what it means to turn a medical challenge into a mission. We explore what it’s like to advocate for yourself in a system that doesn’t always understand, how to find community when your voice feels silenced, and what real resilience looks like. Whether you’re living with a chronic condition, facing a disability claim, or just in need of some perspective, Sue’s story is a reminder: losing your voice doesn’t mean losing your power. Let’s dive in.

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

One - Sue’s Story and Advocacy Work

Two - Living With Spasmodic Dysphonia and Cervical Dystonia

Three - Long-Term Disability and Life Beyond Work

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Applying for a Disability Insurance Policy."

Thinking about applying for disability insurance? Before you check a box or sign on the dotted line, join disability law expert Nancy L. Cavey for a deep dive into the often-overlooked first step in protecting your income: the application process. In this episode, Nancy breaks down why disability insurance is so important - especially for professionals, business owners, and anyone planning for life’s what-ifs - and what really happens when you apply. We cover the essentials: What’s under the hood of an application? What medical or occupational info matters most? And what are the red flags that could trigger a denial - or follow you to future applications? Nancy explains how to avoid the most common and costly mistakes, how insurers evaluate risk, and how to protect your insurability now and later. Whether you’re new to disability insurance, in the middle of applying, or trying to recover from a denial, this episode is your practical guide to starting smart. Because getting covered is more than just paperwork - it’s the first step in securing your financial future. Let’s get started.

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

One - What Are the Six Common Reasons an Application for Disability Insurance Coverage Is Denied by Disability Carriers?

Two - How Can a Disability Carrier’s Refusal to Offer You a Disability Policy Impact Your Ability to Find Disability or Life Insurance?

Three - What Are the Three Types of Underwriting in Issuing an Individual Disability Insurance Policy, and Why Does It Make a Difference to You?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 20 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Questions About Disability Insurance, Policies, and Claims."

What do you really need to know about disability insurance, policies, and claims – before, during, and after you file? In this episode, disability law expert Nancy L. Cavey answers key questions about how disability insurance works, what your policy actually covers, and why valid claims still get denied. We cover the essentials: Should you supplement your Short-Term Disability? What if you’re not seeing the right kind of doctor? And how can you protect your claim from the start? Nancy also answers listener questions about Long-Term Disability appeals, rare or misunderstood conditions, and how to advocate for yourself when symptoms aren’t easy to document. This isn’t just about fine print - it’s about real strategies for real people navigating a complicated system. Whether you’re in the middle of a claim, planning ahead, or just trying to understand the process, this episode is your guide to making sense of disability insurance. Let’s get started.

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

One - Should I Get Flex DI Insurance to Supplement My Short-Term Disability Benefits?

Two - Can a Disability Insurance Carrier Rightfully Deny a Claim if You Don’t Treat With a Specialist?

Three - Listener-Submitted Questions

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding CPET Examinations with Guest Dr. Betsy Keller."

What if one test could offer the hard proof patients with ME/CFS, Long COVID, and fibromyalgia have been waiting for? Join disability law expert Nancy L. Cavey as she dives into one of the most important – and misunderstood – tools in chronic illness advocacy today: Cardiopulmonary Exercise Testing, or CPET. Often overlooked or mischaracterized, CPET isn’t just another stress test. It’s a scientifically rigorous way to measure functional limitations that traditional tests often miss. In this episode, Nancy is joined by Dr. Betsy Keller, a nationally recognized leader in exercise science and a pioneer in using CPET to support patients in both medical and legal arenas. Together, they break down what CPET is, how it works, and why it’s gaining traction in disability claims – especially for those whose conditions have long been doubted or dismissed. But CPET isn’t without controversy. We’ll explore how insurers evaluate these tests, what makes a CPET legally credible, and the ethical challenges of asking chronically ill patients to push their limits in pursuit of validation. This is more than a medical deep dive – it’s a critical conversation about science, strategy, and the fight to have invisible illnesses taken seriously in the eyes of the law. Don’t miss it.

If you'd like to follow along with slides mentioned in this episode, follow this link: https://www.youtube.com/watch?v=NrZiDVo3W8Q

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

One - Introduction to and Foundations of CPET

Two - CPET in the Context of Long-Term Disability

Three - Best Practices and Advice

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 18 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Should Your Workers’ Compensation Records Be Part of Your ERISA Disability Carrier’s File."

What seems like a routine paperwork decision could quietly sabotage your ERISA Long-Term Disability claim. Join attorney Nancy L. Cavey, a nationally recognized expert in disability law, as she explores a critical - but often misunderstood - question: should your workers’ compensation records be included in your ERISA disability file? It’s not just red tape. When both claims stem from the same injury or illness, what goes into your file - and what stays out - can shape the entire outcome of your case. We’ll examine how the two systems interact, why adding workers’ compensation records might work for you in some cases but backfire in others, and the troubling reality of selective use: when insurers cherry-pick damaging details from your records but leave out the parts that could actually help you. This is one of those behind-the-scenes moves that can define your financial future - and most claimants never see it coming. Tune in to learn how to navigate this legal gray area, avoid common traps, and make informed decisions about what belongs in your disability file.

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

One - The Relationship Between Workers' Compensation and ERISA Disability Claims

Two - When Workers’ Compensation Records Help or Hurt Your ERISA Claim

Three - The Problem of Selective Omission by Disability Carriers

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Medical Treatment and Your Long-Term Disability Claim."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for a revealing conversation about three critical - and often underestimated - medical treatment issues that can make or break your Long-Term Disability case. Whether you're applying for coverage, actively filing a claim, or facing a denial, these overlooked factors can have serious consequences for your financial future. In today’s episode, we’ll explore why your disability application may be your biggest legal vulnerability, how “independent” medical evaluations are often anything but - especially with subjective conditions - and the surprising reality that insurance companies don’t need to match medical specialties when denying your claim. These behind-the-scenes tactics derail countless legitimate claims, but with the right knowledge, you can protect yourself. We’ll show you what to watch for, how to respond, and how to strengthen your case from the start. Let’s get into it.

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

One - Lessons Learned About Applying for Disability Insurance: Why Your Pre-Existing or Asymptomatic Conditions Matter

Two - Not-So-Independent Medical Evaluation by Lincoln National Dooms Policyholder’s Fibromyalgia Claim

Three - Do ERISA Regulations Require a Reviewing Physician to Match Your Treating Doctor’s Specialty?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 16 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Navigating Claims With Charcot-Marie-Tooth Disease (CMT)."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an eye-opening discussion on a frequently misunderstood condition with major implications for long-term disability benefits: Charcot-Marie-Tooth disease, or CMT. If you haven’t heard of CMT, you’re not alone. Though it’s one of the most common inherited neurological disorders, it’s often overlooked - especially in disability evaluations. That oversight can cost you the benefits you need. In today’s episode, we’ll break down what CMT is, how it progresses, and why it can be more disabling than people - including insurance companies - realize. From muscle weakness and balance issues to pain and fatigue, we’ll explore how to document your condition effectively and meet insurer expectations. You’ll learn how CMT interacts with disability policy standards, what evidence to submit, and how to avoid the most common claim mistakes. Whether you’re applying, appealing, or just exploring your options, this episode is packed with strategies to protect your financial future. Let’s get into it.

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

One - Understanding Charcot-Marie-Tooth Disease

Two - Challenges in Proving Disability with Charcot-Marie-Tooth Disease

Three - Best Practices for Long-Term Disability Claims Involving Charcot-Marie-Tooth Disease

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

View Details

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 5, Episode 15 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Allsup, and Filing Concurrent Social Security Disability and Long-Term Disability Claims."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an eye-opening discussion on the intersection of ERISA Disability insurance and Social Security Disability benefits. If your Long-Term Disability carrier has suggested using a third-party service like Allsup to handle your SSDI application, you’re not alone - but is that really in your best interest? In today’s episode, we’re pulling back the curtain on what Allsup promises versus what you may actually experience. From the fine print in your ERISA policy to the strategic timing of your SSDI application, we’ll explore why many claimants are required to apply for Social Security Disability - often before their Long-Term Disability claim is even approved. Whether you're just starting the claims process or re-evaluating your options, this episode is packed with essential guidance to help you make informed decisions, avoid common pitfalls, and protect your financial future. So, let’s get into it.

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

One - Did Your ERISA Disability Carrier Suggest That You Use Allsup to File a Claim for Social Security Disability Insurance? Why the Four Claims That Allsup Makes About Why You Should Use Them to Handle Your Social Security Disability Don’t Make Sense

Two - Is Allsup Really Interested in Helping Me or the Disability Insurance Carrier When the Carrier Recommends I Use Allsup to Apply for Social Security 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

View Details

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 5, Episode 14 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Physical Therapists and Their Disability Claims."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the unique challenges physical therapists face when it comes to Long-Term Disability benefits. From the daily occupational hazards to the kinds of injuries and conditions that can end a career, today’s episode dives into what happens when the healer becomes the patient. We’ll break down the real-world risks physical therapists face, how specific disabilities can impact your ability to perform your job, and what you need to know to successfully navigate the claims process. Whether your coverage is through an employer, a professional association, or an individual policy, this episode is packed with essential guidance on protecting your income and your future.

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

One - Occupational Hazards for Physical Therapists

Two - Disabilities That Can Sideline a Physical Therapist

Three - Long-Term Disability Benefits for Physical Therapists

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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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 5, Episode 13 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding Policy and Plan Language and Terminology."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the critical role that policy and plan language plays in your disability claim. From the meaning of “proof of claim” to unexpected travel restrictions, and even how unrealistic settlement expectations can sink your case, this episode is packed with real-world examples and legal insights. Learn why understanding the fine print of your ERISA plan could be the key to winning your benefits.

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

One - Do You Have to Provide Your Disability Carrier With Objective Evidence of Illness to Get Your ERISA Disability Benefits?

Two - Unrealistic Settlement Expectations Doom ERISA Mediation – “If My Wife Doesn’t Get 100% of the Full Value of Her Claim, I’m Going to Divorce Her.”

Three - Can I Travel Overseas and Collect My ERISA Disability Benefits?

Four - Why the Language in an ERISA Summary Plan Description and an Administrative Service Agreement Can Make All the Difference in How an ERISA Disability Claim Is Handled and by Whom

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 12 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability in the Modern World, Advocacy, and More with Guest Hollis Peirce."

Join attorney Nancy L. Cavey, a leading expert in disability claims, and special guest Hollis Peirce for an insightful discussion on disability advocacy, the realities of living with a disability in today’s world, and more. Hollis, born with muscular dystrophy, shares his personal journey, offering a firsthand perspective on how disability impacts his daily life - highlighting that living with a disability can often feel like a full-time job. He also discusses the challenges faced by those with disabilities in the modern world and explores ways people can get involved in disability advocacy.

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

One - Hollis’ Personal Journey and Experience

Two - Disability in the Modern World

Three - Advocacy and Perspective

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.

Hollis, who hosts the podcast 21st Century Disability, can be found at the following:

Website: https://www.21stcenturydisability.com/

Instagram: https://www.instagram.com/21stcenturydisability/

Facebook: https://www.facebook.com/21stcenturydisability

Bluesky: https://bsky.app/profile/21stcentdisability.bsky.social

LinkedIn: https://www.linkedin.com/in/hollis-peirce-347122239/

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 11 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Exploring Various Occupations, and How Their Performer’s Claims Were Denied or Terminated."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on various occupations and the reasons behind denied or terminated disability claims. Many prospective disability applicants mistakenly believe that they are automatically entitled to benefits, regardless of their job or occupation. However, different policies and plans set varying disability thresholds depending on the occupation. In today’s session, Nancy L. Cavey will examine three distinct claims denials or terminations, each involving applicants from different occupations, to explore how (or whether) their careers impacted their claims.

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

One - Why Was Unum’s Termination of Long-Term Disability Benefits for a Johns Hopkins Nurse with Fibromyalgia and Undifferentiated Connective Tissue Disorder Upheld by a Florida Court?

Two - Blue Cross Blue Shield Senior Recovery Specialist’s Unum Disability Benefits for AION Visual Issues Reinstated by Court

Three - How First Reliance Successfully Terminated a Lawyer’s Benefits for Chronic Fatigue Syndrome

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 10 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Conditions That Might Be Subject to Term Limitations or Exclusions – Understanding Them, and Why."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on medical conditions that may be subject to term limitations or exclusions. Many prospective disability applicants believe that if they have a medical condition and a doctor confirms they are disabled, they have an open-and-shut case. Unfortunately, this is often not the case - particularly when the disability is mental in nature, or when a physical disability is partially linked to a mental health condition. In today’s session, Nancy L. Cavey will explore a range of medical conditions that could be subject to these limitations or exclusions and explain why.

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

One - Drug Addiction / Substance Abuse and Your ERISA Disability Claim

Two - Alzheimer’s Disease and Your ERISA Disability Insurance Claim

Three - Gender Dysphoria and Your 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 9 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Denial and Termination Games That Carriers Play."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the denial and termination tactics commonly used by disability insurers. Disability carriers often employ various strategies in an attempt to deny claims, and today, Nancy will delve into some of these, including the use of vocational evaluators and efforts to classify work as sedentary. She will also analyze a failed claim denial, demonstrating how these tactics are challenged and overturned in court.

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

One - Should My ERISA Disability Attorney Hire a Vocational Expert in My ERISA Disability Appeal? The Vocational Evaluation Game

Two - The Sedentary Work Game That Disability Carriers Play at the Any Occupation Stage of an ERISA Disability Claim

Three - Guardian’s Untimely Production of New Evidence Used to Deny a Claim Overturned by Court

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 8 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Interplay Between Physical and Mental Disabilities in An ERISA Disability Claim."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the complexities of mental nervous condition limitations in ERISA disability policies - especially when they intersect with physical disabilities. In this episode of Winning Isn't Easy, Nancy unpacks two key limitations insurers use to deny or terminate claims, including the notorious "Monty Python" limitation, which cuts off benefits if a mental condition contributes to a disability, no matter how minimally. Through real-world cases - from post-surgical depression to fibromyalgia - she reveals how insurers exploit these clauses to restrict benefits. Don’t miss this essential conversation on protecting your rights and navigating these restrictive policies.

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

One - Case Study: McEachin v. Reliance Standard Life Ins. Co.

Two - What Constitutes Disability in the Context of a Mental Nervous Claim?

Three - The Interaction between Physical and Mental Health Disabilities

Four - What Happens if You Become Disabled Sequentially by Physical and Mental Illness?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 7 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Importance of Nurse Consultants in Long-Term Disability Claims with Shannon Fenimore."

Join attorney Nancy L. Cavey, a leading expert in disability claims, and special guest Shannon Fenimore, a nurse and nurse consultant, for an insightful discussion on the vital role of nurse consultants in disability claims. They explore how nurse consultants assist in advocating for clients, particularly during independent medical examinations, and other interactions with attorneys and clients. Tune in to this episode of Winning Isn't Easy to gain valuable insights into their impact and responsibilities.

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

1 - An Overview of Nurse Consultants

2 - Nurse Consultants and IMEs

3 - Other Questions Regarding Nurse Consultants

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 6 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "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."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the tactics disability carriers use to deny or terminate benefits. These tactics often include relying on nurse reviewers instead of specialized medical experts and conducting so-called "independent" medical examinations that are anything but. In this episode of Winning Isn’t Easy, Nancy breaks down each of these strategies, explaining how they work and what you need to watch out for to protect your claim. Don’t miss this essential information.

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

1 - Can an ERISA Disability Carrier Use a Nurse-Only Review to Deny or Terminate My Disability Insurance Benefits?

2 - Can an ERISA Disability Carrier Use a Physician Peer Review to Deny or Terminate My Disability Insurance Benefits?

3 - The Not-So-Independent Medical Evaluation Games

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 5 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "How Long COVID and Other Social Security Disability Residual Functional Capacity Forms Can Help You Win Your ERISA Disability Insurance Claim."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on how Long COVID residual functional capacity forms can help you win your disability insurance claim. Strong medical evidence is essential for a successful disability claim - especially for conditions like Long COVID. A key part of this process is working with a trusted doctor who can accurately assess and document your functional status. In this episode of Winning Isn’t Easy, Nancy will also explore the various forms that can help you gather the medical evidence needed to strengthen your claim.

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

1 - The Role Your Physician Plays in Your Long COVID Claim

2 - The Role Your Physician Plays in Determining Your Post-COVID Functional Status

3 - Why You Should Use a Long COVID Social Security Disability Residual Functional Capacity Form in Your Short-Term Disability and Long-Term Disability Claim

4 - Why You Want to Supplement a Long COVID Social Security Disability Residual Functional Capacity Form with Other Applicable Forms

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 4 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "An Update on Long COVID Long-Term Disability Claims."

Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on COVID and Long COVID Long-Term Disability insurance claims. Despite the passage of time, COVID remains a persistent issue, bringing new challenges to disability law. In this episode of Winning Isn't Easy, Nancy - one of the first attorneys in the U.S. to litigate a Long COVID disability claim - shares the latest updates on these cases. She explores how Long COVID contributes to other disabling conditions and exposes how insurance carriers are already wrongfully denying these claims. Don't miss this essential conversation for those navigating the complexities of Long COVID disability claims.

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

1 - The Common Types of Cases from Long COVID Syndrome, Aggravation of an Underlying Disease Because of COVID, and New Medical Conditions Caused by Long COVID

2 - The Seven Denial Tools That Carriers or Plans Use to Justify a Claim Denial or Termination, and How Courts View These Denial Tools

3 - The Role of Your Physician in Your Long COVID Claim and Your Post-COVID Functional Status

4 - Vocational Denial Tools

5 - Thirteen Tips for Attacking the Denial or Termination of Your Long COVID 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Insights Into Life with a Disability with Ken Kunken."

Join attorney Nancy L. Cavey, a seasoned expert in disability claims, for a compelling conversation with Ken Kunken, a retired trial attorney who has lived with a disability since 1970. While playing college football that year, Ken suffered a catastrophic injury that left him paralyzed from the neck down. In this powerful episode of Winning Isn't Easy, Nancy sits down with Ken to discuss the realities of living with a long-term, life-changing disability. They explore how such an event reshapes life’s trajectory, influences interactions with the world and others, and, most importantly, how one can still build a fulfilling and meaningful life despite the challenges. Don’t miss this inspiring and insightful discussion.

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

1 - How Did Your Injuries Change Your View of Yourself?

2 - How Did You Learn to Deal With People’s Perception of You, and Not the Reality of You?

3 - What Advice Would You Give to Someone Who Has a Life-Changing Injury?

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "More on Sedgwick, P2."

Join attorney Nancy L. Cavey, a seasoned expert in disability claims, as she takes a deep dive into Sedgwick, a prominent disability insurance carrier. Nancy unpacks Sedgwick’s approach by analyzing real-life cases - each with unique backgrounds and experiences. Through these stories, you'll uncover valuable insights and key lessons about how Sedgwick manages disability claims.

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

1 - The Story of Ms. Foster

2 - The Story of Ms. Brock

3 - The Story of Ms. Castor

4 - The Story of Mr. Keaton

5 - The Story of Ms. Knott

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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 5, Episode 1 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Long-Term Care Health Benefits and Your Disability Insurance Policy."

Join host Nancy L. Cavey, an experienced attorney specializing in disability claims, as she delves into the complexities of Long-Term Care health benefits and their relationship with your disability insurance policy. Although their names may seem similar, Long-Term Disability insurance and Long-Term Care insurance have distinct differences, which Nancy will break down. She’ll also highlight critical policy language and expose the tactics insurance carriers often use to deny benefits.

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

1 - The Four Differences between Long-Term Disability Insurance and Long-Term Care Insurance

2 - Typical Long-Term Care Policy Terms That You Should Be Familiar With, and Why the Devil Is in the Policy Terms

3 - Games Disability and Long-Term Care Carriers Play in Denying 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.

Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/

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.

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Welcome to Season 4, Episode 44 of Winning Isn't Easy - our Season 4 finale. In this episode, we'll dive into the complicated topic of "What You Need to Know About Functional Capacity Evaluations in Your Long-Term Disability Claim."

Join host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, as she explores functional capacity evaluations. These evaluations assess an individual's physical abilities and can be valuable in determining disability and strengthening claims. However, they are also prone to common pitfalls and mistakes that can ultimately undermine a case. In this episode, Nancy will provide a detailed overview of functional capacity evaluations, explain their benefits, and highlight the key mistakes that can occur during the process.

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

1 - The Nuts and Bolts of a Functional Capacity Evaluation

2 - How You Can Use a Functional Capacity Evaluation to Support Your Claim and Overcome a Wrongful Claim Denial or Termination of Benefits

3 - Seven Mistakes You Can Make during a Functional Capacity Evaluation Ordered by Your Long-Term Disability Carrier

4 - What Are the Seven Ways an ERISA Disability Carrier Will Use the Results of a Compulsory Functional Capacity Evaluation to Terminate Your Disability Benefits, and How You Can Protect Yourself

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.

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Welcome to Season 4, Episode 43 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Ten Common Mistakes You Can Make in Your Initial Application for ERISA Disability Benefits."

Join host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, as she delves into the complexities of the initial application process - an often daunting and error-prone step. While every stage of the disability claims journey can be challenging, the initial application can be especially confusing and frustrating, causing many applicants to abandon the process before they’ve even begun. In this episode, Nancy will thoroughly explore ten common mistakes made during the initial application, providing valuable insights to help you avoid these pitfalls.

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

1 - Listening to your supervisor who says they have your back.

2 - Listening to your HR department.

3 - Not knowing what your STD / LTD policy or plan says.

4 - Picking the wrong date to be disabled.

5 - Not knowing what is in your medical records.

6 - Not filling out the application correctly.

7 - Screwing up the ADL forms.

8 - Screwing up the Interview.

9 - Doing things you shouldn't, and staying on social media.

10 - Not having an experienced ERISA lawyer represent you.

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.

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Welcome to Season 4, Episode 42 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Interstitial Cystitis."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores Interstitial Cystitis. Interstitial Cystitis is a long-term bladder disorder characterized by symptoms such as frequent urination, urgent bathroom needs, and pelvic discomfort. Around 1.3 million people in the United States are affected by this condition, with women making up more than one million of those cases. Host Nancy L. Cavey talks about how the severity and impact of Interstitial Cystitis can vary greatly from one person to another, as well as how the condition relates to disability claims.

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

1 - What Should I Be Telling My Doctor about My Interstitial Cystitis Symptoms That Will Help Me Win My ERISA Disability Claim?

2 - How You Can Use Social Security Regulations on Impairment to Overcome an ERISA Disability Carrier or Plan Denial of Interstitial Cystitis

3 - Is a Diagnosis of Interstitial Cystitis and Fibromyalgia Sufficient to Overcome an Aetna Disability Insurance 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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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Welcome to Season 4, Episode 31 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "More UNUM Cases Throughout the United States."

For a second 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 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 - UNUM’s Termination of a Long-Term Disability Claim Paid for Twelve Years on the Basis That the Chronic Migraine Policyholder Was at Maximum Medical Improvement Is Overturned by Court

2 - UNUM Told to Pay $20,000 per Month in LTD Benefits to a Disabled Mergers and Acquisitions Attorney

3 - UNUM Called Out by Court for Using Nurse Consultant Rather than a Qualified Healthcare Professional

4 - Policyholder Triumphs in MS-Related Cognitive Impairment Disability Claim against UNUM

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.

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Welcome to Season 4, Episode 30 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "More on Chronic Fatigue and COVID."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses more about Chronic Fatigue and COVID, how they interact with one another, and with other medical conditions, and their surge in the disability claims world. While we now live alongside COVID, and are no longer in a pandemic, COVID is still wreaking havoc in the disability world. With the onset of this new and ever-changing condition, disability lawyers are seeing disability policyholders suffering from illnesses which have no preexisting disability guidelines. Join Nancy as she discusses more about Chronic Fatigue, COVID, and what you need to know if you are suffering from either, and are seeking disability.

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

1 - The Infamous Dr. Scott Norris, and How Disability Carriers like UNUM Deny Legitimate COVID Claims

2 - How Can You Use the Social Security Administration Regulations on How to Evaluate a Chronic Fatigue Syndrome or COVID Claim in Your ERISA LTD Claim?

3 - How Research into the Mechanisms Causing ME/CFS and Long-COVID Can Help You Get the Medical Treatment Your ERISA Disability Plan or Policy Requires

4 - Federal Court Rules That the Claims Process for a Policyholder with Fibromyalgia, Multiple Arthralgias, and Small Fiber Neuropathy Should Not Be a Guessing Game for a Disabled Policyholder Whose Policy Has a Non-Verifiable Impairment Payment Limitation of 24 Months

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.

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Welcome to Season 4, Episode 29 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Intersection of SSDI and ERISA, P2 - Vocational Evaluation."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the intersection of SSDI and ERISA claims. While SSDI and ERISA are completely different things, they do share some similarities in process, and are often intertwined in the course of applying for disability. Often, when you're applying for one, you are required to apply for the other. That is why it is vital to be knowledgeable regarding both. In the second part of this multi-part series, your host Nancy L. Cavey will be diving into the specifics of the vocational evaluations applicants will undergo.

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

1 - The Vocational Denial Toolbox

2 - The Game Played at the Any Occupation Stage

3 - How to Attack the Common Mistakes Made at the Own Occupation Stage of an ERISA Case

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.

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Welcome to Season 4, Episode 28 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Sedgwick."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses everything you need to know about a disability carrier named Sedgwick. Are you insured by, or do you have a disability policy through Sedgwick? Well, today is your day - Nancy will be covering Sedgwick's denial tactics (including their use of in-house medical evaluators), walking through some of their more infamous cases, and more. Even if you're not insured through Sedgwick, this episode will provide valuable insights into the general workings of disability carriers - information you will want to know if and when you are fighting for your disability benefits.

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

1 - Should You Find out if You Must Be Paid Out Your Short-Term Disability Benefits before You File a Claim for Long-Term Disability Benefits?

2 - Can an ERISA Claim Administrator like Sedgwick Get Away with a Denial Based on a Non-Specialty IME in an RSD Claim?

3 - Court Slams Sedgwick’s Use of the Infamous Dr. Gratton in Overturning Wrongful ERISA Disability Claim Denial

4 - What Happens When the Workers’ Compensation Records Are Considered, but Sedgwick Selectively Removes Portions of the Workers’ Compensation Records from Your File When Your Claim Is Denied or Terminated?

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.

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Welcome to Season 4, Episode 27 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Intersection of SSDI and ERISA P1 - The Vocational Games That Are Played in an ERISA Case."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the intersection of SSDI and ERISA claims. While SSDI and ERISA are completely different things, they do share some similarities in process, and are often intertwined in the course of applying for disability. Often, when you're applying for one, you are required to apply for the other. That is why it is vital to be knowledgeable regarding both. In the first part of this multi-part series, your host Nancy L. Cavey will be diving into the specifics of the vocational games that carriers will play in ERISA claims, and how that correlates with the process of SSDI.

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

1 - The ERISA Golden Rule

2 - Step 4 Overview

3 - Step 5 Overview

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.

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Welcome to Season 4, Episode 26 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Comparing and Contrasting Medical Tips in ERISA and Social Security Disability."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the various medical tips that apply to ERISA disability claims, and Social Security disability claims. One might think that the approach to treating and documenting medical conditions, and how they factor into claims, would be the same for any disability case. However, that isn't necessarily the case. While there may be comparable similarities, there are also contrasting medical tips to be aware of in ERISA disability claims, versus Social Security disability claims. Your host, Nancy L. Cavey, will walk through these tips.

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

1 - Comparing and Contrasting Your Obligation to Get Medical Treatment in an ERISA Disability Claim and a Social Security Disability Claim

2 - What Are the Five Things You Must Do That Will Help You Stay On Claim and Be Paid in Your ERISA Disability Claim?

3 - What Are the Five Factors That Must Be Met before Social Security Must Give Your Treating Doctor’s Opinions Controlling Weight in Your Social Security Disability 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.

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Welcome to Season 4, Episode 25 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "ERISA Disability Claims - What Celebrities Can Teach You."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses what the disability cases of certain celebrities can teach you about the ERISA disability claims process. Celebrities; they're just like us. We might view celebrities or social influencers as being invincible, which simply isn't true. While they might be able to afford better medical care than the average man, celebrities are not impervious to illness or accidents; just see Lady Gaga discussing her struggles with migraines in Nurtec advertisements. In this episode of Winning Isn't Easy, Nancy L. Cavey will explore three celebrities and their illnesses to give you, the listener, an insight into claiming disability.

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

1 - What You Can Learn from Keala Settle, and Getting Your ERISA Disability Benefits for Moyamoya Disease

2 - What You Can Learn from Jimmy Buffett, and Getting Your ERISA Disability Benefits for Merkel Cell Carcinoma

3 - What You Can Learn from Natalie Merchant, and Getting Your ERISA Disability Benefits for Spinal Degeneration with OPLL

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.

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Welcome to Season 4, Episode 24 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Mental Illness and the Mental Nervous Condition Limitation."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses mental illnesses, and how they interact with disability claims. Disability carriers hate claims based on subjective conditions; unfortunately, most mental illnesses will fall into that category. Unsurprisingly, disability carriers are unashamed to continue upholding outdated societal traditions of downplaying the existence, severity, and disabling capabilities of mental illnesses. Most disability policies, regardless of carrier, will even include a clause called the "mental nervous condition limitation" which often states that any disability claim even partially contributed to by mental nervous conditions is subject to benefits for only two years. Today, your host, Nancy L. Cavey, will provide valuable insights into how to navigate mental illness disability claims, and combat the mental nervous condition limitation.

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

1 - Understanding Mental Illness and the Mental Nervous Condition Limitation

2 - Mental Illness Claims and Getting the Benefits You Deserve

3 - An Overview of Disability Claims for Depression

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.

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Welcome to Season 4, Episode 23 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Hot Topics in Short-Term Disability and Long-Term Disability, P3."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses hot topics in both Short and Long-Term Disability. While these topics, stories, and anecdotes are important regarding the world of disability, they weren't necessarily long enough for their own dedicated episodes. That is why, today, we've decided to bundle a few together in order to provide insight over a broad spectrum. Today, your host, Nancy L. Cavey, will provide valuable insights into the workings of the disability claims process.

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

1 - Does My Disability Insurance Carrier Have to Approve My Long-Term Disability Claim if They Have Approved My Short-Term Disability Claim?

2 - Do You Make Too Much Money to File a Claim for Residual Long-Term Disability Benefits?

3 - Don’t Mess with a Disability Carrier and Fail to Tell Them about Work Activity – A Tale of How One Attorney Destroyed His Case

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.

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Welcome to Season 4, Episode 22 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Field Form Mistakes, P4."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the mistakes made during a field interview that can ruin your Long-Term Disability claim. Field interviews - where the disability carrier may send a representative in person to "interview" you about your disability claim - are common tactics used by disability carriers to ensnare or trap you. They are designed to be overwhelming, so policyholders make mistakes during the conversation that can be used to justify denying a claim. Today, host Nancy L. Cavey, will discuss more of the twenty-four common questions found in field interviews.

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

1 - Mistakes No. 19 - 21

2 - Mistakes No. 22 - 24

3 - Wow - Twenty-Four Mistakes

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.

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Welcome to Season 4, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "More on Parkinson's Disease."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses Parkinson's Disease further, including an overview of the illness, plus a dissection of the evaluation process used in every Parkinson's Disease disability claim. While Parkinson's Disease, on the surface, seems like a disease primed for an easy disability claim win, that couldn't be further from the truth. Much the same as any other illness, disability carriers do not make it easy for those with Parkinson's Disease, especially during the early stages of illness, to get the disability benefits they deserve. Today, your host Nancy L. Cavey discusses the must-knows of Parkinson's Disease disability claims.

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

1 - What You Need to Know About Parkinson’s Disease, and Steps One - Three of the Evaluation Process Used by Every Disability Carrier in a Parkinson’s Disease Claim

2 - Steps Four - Six of the Evaluation Process Used by Every Disability Carrier in a Parkinson’s Disease Claim

3 - Stress and Your Parkinson’s Long-Term 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.

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Welcome to Season 4, Episode 20 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Field Form Mistakes, P3."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the mistakes made during a field interview that can ruin your Long-Term Disability claim. Field interviews - where the disability carrier may send a representative in person to "interview" you about your disability claim - are common tactics used by disability carriers to ensnare or trap you. They are designed to be overwhelming, so policyholders make mistakes during the conversation that can be used to justify denying a claim. Today, host Nancy L. Cavey, will discuss more of the twenty-four common questions found in field interviews.

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

1 - Why Does the Disability Carrier Want My Statement? I Am Disabled, and My Doctors Say So

2 - Mistakes No. 13 - 15

3 - Mistakes No. 16 - 18

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.

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Welcome to Season 4, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Brain Injury."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses brain injuries and brain injury claims, giving you invaluable insight into brain injury basics, as well as the handling of traumatic brain injury disability claims. Brain injuries, on their surface, may sound like easy disability claim wins; however, by now you should know that isn't necessarily the case. Disability carriers handle brain injury claims much the same as other illnesses or disease; with gloves, and with every intention of denying a rightful claim. Today, host Nancy L. Cavey will discuss everything you need to know to prepare yourself if you're a brain-injured policyholder who is seeking disability.

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

1 - Brain Injury Basics

2 - Utah Federal Judge Upholds United of Omaha’s Denial of Disability Benefits to Brain-Injured Policyholder

3 - How Does a Brain Injury Impact the ERISA Lawsuit Statute of Limitations Period

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.

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Welcome to Season 4, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Interaction between You, Your Doctor, and the Disability Carrier in Your ERISA Claim."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the interaction between you, your doctor, and the disability carrier in your ERISA claim. There are many players present during the course of an ERISA claim, both major and bit; you (the disabled policyholder), attorneys you've hopefully hired to represent you, doctors who are treating you, the disability carrier who proctors your plan, and others, such as administrative law judges and independent medical examination providers. These players will interact during the course of a claim, either with the goal of bolstering your chances, or the goal of finding any reason to deny your benefits. Today, host Nancy L. Cavey will discuss how three of the major players interact, and outline some of the most common questions asked when they do.

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

1 - The Secrets You Must Know about How to Talk with Your Doctor about Your Symptoms and Functionality in Your ERISA Disability Insurance Claim

2 - What Are the Six Things That Your Medical Records Should Address That Can Make or Break Your ERISA Disability Claim?

3 - My Doctor Doesn’t Know the Definition of Disability for Erisa Disability Purposes and Won’t Complete an APS Form. What Should I Do?

4 - Why an ERISA Disability Carrier Doctor’s Opinion Can Make or Break Your ERISA Disability Claim

5 - Should You Let the Disability Carrier or Plan Speak to Your Doctor?

6 - Should I or My Lawyer Hire My Own Consultative Doctor or IME in My ERISA Disability 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.

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Welcome to Season 4, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Having a Life When You Are Collecting Long-Term Disability."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses how you can maintain some semblance of your lifestyle while pursuing Long-Term Disability. Disability carriers have the misconception that a policyholder who is struggling with an illness, stops working, or is seeking their disability benefits, simply stops existing. Carriers seem as though they believe that disabled policyholders cannot live their lives outside of work or being disabled. In this insightful episode of Winning Isn't Easy, host Nancy L. Cavey will dispel these rumors, and discuss how you can have a fulfilling life, while also being disabled, and while pursuing your disability benefits.

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

1 - The Two Words That Can Destroy Your ERISA Disability Claim, and Why You Shouldn’t Use the Words “Never” or “Always” on Your ERISA Forms

2 - It Is Freddy Kreuger on the Phone - The Mistakes You Can Make Talking with the ERISA Disability Carrier on the Phone

3 - What Are the Most Likely Times That an ERISA Disability Carrier Will Place Surveillance on You?

4 - Can You Have a Life While You Are Being Paid Your ERISA Long-Term Disability Benefits?

5 - Betting That Your Long-Term Disability Benefits Won’t Be Cut off if You Go to the Big Game?

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.

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Welcome to Season 4, Episode 16 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Lincoln."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses Lincoln, also known as Lincoln Financial, one of the oldest and largest insurance companies in the United States. While Lincoln is well known for boasting about their fundamentals of integrity, just like other insurance companies, they are out to protect their bottom dollar, not to give disabled policyholders the benefits they paid for, and deserve. In this episode of Winning Isn't Easy, host Nancy L. Cavey provides an overview of Lincoln's history, as well as a deep dive into various different Lincoln claims, so you can get firsthand knowledge regarding their claims handling process.

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

1 - The “You Can’t Apply for Long-Term Disability Benefits Because We Denied Your Claim Game” That Lincoln Plays, and How to Fight Back

2 - Federal Judge Calls Out Lincoln on Its ERISA Regulation Violating Conduct By Improperly Rejecting Neuropsychological Testing in a Chronic Fatigue Syndrome Case

3 - Lincoln Ehlers Danlos Long-Term Claims Denial Remanded Because of Lincoln’s Failure to Provide a Full and Fair Review

4 - Lincoln’s Seeming Inability to Perform a Full and Fair Review of ERISA Disability Claims

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.

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Welcome to Season 4, Episode 15 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "An Overview of Social Security Disability, P2."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses an overview of, and answers more 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 - What Are the Five Things That the Social Security Administration Needs from Your Treating Physician That Can Make or Break Your Social Security Disability Claim?

2 - An Overview of Functional Capacity Evaluations, and Residual Functional Capacity Forms, P1

3 - An Overview of Functional Capacity Evaluations, and Residual Functional Capacity Forms, P2

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.

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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.

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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.

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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.

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Welcome to Season 4, Episode 111 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.

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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.

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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.

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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.

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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.

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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.

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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.

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

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the intricacies of a Multiple Sclerosis diagnosis, and how to navigate a disability claim with a disorder that disability carriers often misunderstand. Carriers are not in the business of giving payouts - they care more about their bottom dollar (i.e. making a profit). This reality is especially true of disorders that are unpredictable, prone to fluctuation in terms of severity, difficult to diagnose and manage, and primarily pain-based, such as Multiple Sclerosis.

In this episode, we'll cover the following topics:
1 – Multiple Sclerosis, and Common Reasons Why Disability Carriers Deny Multiple Sclerosis Claims

2 – How Disability Carriers Evaluate Multiple Sclerosis Claims

3 – Steps to Winning Your Multiple Sclerosis Disability Claim, and the Gold Standard Test

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.

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Welcome to Season 4, Episode 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Surveillance".

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses how disability carriers aggressively employ surveillance at every stage of a claim in order to find any reason to justify a claims denial. It does not matter the severity of your disability - carriers will often videotape you, contact you repeatedly by phone, or use other methods of surveillance in order to label you a malingerer. When you listen to this episode, you may learn what to watch out for, and how to avoid this favorite denial tactic.

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

1 - How Disability Carriers Use the Activity of Daily Living Forms to Set Up Surveillance

2 - How Disability Carriers Use Surveillance to Attack Your Doctor’s Opinions About Your Restrictions and Limitations and Get Your Doctor to Change their Minds

3 - Tips for Attacking the Surveillance if You’re the Star in a Long-Term Disability Claim Denial Movie

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.

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Welcome to Season 4, Episode 2 of "Winning Isn't Easy." In this episode, we dive into the complicated topic of "Offsets and IRA and Your Long Term Disability Claim".

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the impact of the receipt of "other income benefits" and whether those benefits will reduce the amount of your monthly 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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 4, Episode 1 of "Winning Isn't Easy." In this episode, we dive into the crucial topic of "Medical Proof and Long Term Disability Claims."

Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the essential role of medical evidence in securing long-term disability benefits. Tune in as she breaks down the importance of proper documentation, the types of medical proof needed, and how to navigate the complexities of the claims process. 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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 41 of "Winning Isn't Easy"! 🎙️

In this enlightening episode, your host, Nancy L. Cavey, is joined by a special guest, Bankruptcy Attorney Kristina Feher. Together, they delve into the intersection of "Business Bankruptcy and Disability Policies." This is a crucial topic for individuals who may find themselves in financial distress due to business bankruptcy while also relying on disability policies for support.

In this episode, you'll explore:

💼 The complexities of business bankruptcy and its impact on disability policies.
📄 Practical insights into managing disability claims during the bankruptcy process.
🤝 Tips and strategies for individuals navigating the challenges of maintaining disability benefits amidst financial difficulties.

Nancy and Kristina will share their combined expertise to provide valuable guidance for individuals facing the intricate relationship between business bankruptcy and disability policies.

Whether you're dealing with business bankruptcy, disability claims, or are a professional assisting clients in similar situations, this episode offers essential information to help you navigate these complex matters.

Tune in to Season 3, Episode 41 of "Winning Isn't Easy" for a comprehensive discussion on business bankruptcy and its implications on disability policies. 📻💼

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 40 of "Winning Isn't Easy"! 🎙️

In this insightful episode, your host, Nancy L. Cavey, continues her exploration of "Neuropathic Disorders, Disorders Causing Pain, or Neuropathic Pain, Part 2." Neuropathic disorders can be extremely challenging to deal with, particularly due to the pain and discomfort they bring. Understanding how these disorders relate to disability claims is crucial.

In this episode, you'll gain a deeper understanding of:

🩺 Various neuropathic disorders and the pain they can cause.
📋 The significance of comprehensive medical documentation and evidence in disability claims associated with neuropathic pain.
🤝 Practical tips and strategies for building a strong disability case when confronted with these complex conditions.

Nancy will share her wealth of experience in disability law to provide valuable insights and guidance for individuals and their representatives who are navigating the intricacies of disability claims linked to neuropathic disorders and pain.

Whether you or someone you know is affected by these conditions or you're a professional assisting clients in similar situations, this episode offers essential information to help you advocate effectively.

Tune in to Season 3, Episode 40 of "Winning Isn't Easy" to gain a deeper understanding of neuropathic disorders and their implications on disability claims. 📻🩺

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 39 of "Winning Isn't Easy"! 🎙️

In this enlightening episode, your host, Nancy L. Cavey, continues to explore the intricacies of ERISA (Employee Retirement Income Security Act) Disability Claims, with a specific focus on multiple sclerosis (MS).

In this episode, you'll discover:

🔍 A deeper dive into the unique challenges and considerations when pursuing ERISA disability claims related to MS.
📋 The importance of comprehensive medical documentation and evidence in building a strong case.
🤝 Tips and strategies for effectively advocating for your disability claim, particularly in the context of 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.

Whether you or someone you know is affected by MS or you're a professional assisting clients in similar situations, this episode offers essential information to help you navigate the often challenging landscape of disability claims.

Tune in to Season 3, Episode 39 of "Winning Isn't Easy" to gain a deeper understanding of ERISA Disability Claims and MS. 📻🔍

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 38 of "Winning Isn't Easy"! 🎙️

In this compelling episode, your host, Nancy L. Cavey, delves into the intricate world of "Neuropathic Disorders, Disorders Causing Pain, or Neuropathic Pain, Part 1." Neuropathic disorders can have a profound impact on an individual's life, often causing debilitating pain and discomfort. Understanding how these disorders intersect with disability claims is vital.

In this episode, you'll explore:

🩺 An overview of neuropathic disorders and the pain they can cause.
📋 The importance of medical documentation and evidence in disability claims involving neuropathic pain.
🤝 Tips and strategies for building a compelling disability case when dealing with these challenging conditions.

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 disability claims related to neuropathic disorders and pain.

Whether you or someone you know is affected by these conditions or you're a professional assisting clients in similar situations, this episode offers essential information to help you advocate effectively.

Tune in to Season 3, Episode 38 of "Winning Isn't Easy" to gain a deeper understanding of neuropathic disorders and their implications on disability claims. 📻🩺

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 37 of "Winning Isn't Easy"! 🎙️

In this enlightening episode, your host, Nancy L. Cavey, explores the intricate world of "Moyamoya Disease & ERISA Disability Claims." Moyamoya Disease is a rare and complex condition that can have a profound impact on an individual's life, making it essential to understand the intricacies of pursuing disability claims under ERISA (Employee Retirement Income Security Act).

In this episode, you'll gain insights into:

🧠 What Moyamoya Disease is and how it affects individuals.
📄 The importance of medical documentation and evidence in ERISA disability claims related to this condition.
🤝 Tips and strategies for building a compelling disability case when dealing with Moyamoya Disease.

Nancy will leverage her extensive expertise in disability law to provide valuable guidance for individuals and their representatives who are navigating the challenges of ERISA disability claims associated with this rare condition.

Whether you or someone you know is affected by Moyamoya Disease or you're a professional assisting clients in similar situations, this episode offers crucial information to help you advocate effectively.

Tune in to Season 3, Episode 37 of "Winning Isn't Easy" to gain a deeper understanding of Moyamoya Disease and its implications on ERISA disability claims. 📻🧠

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 36 of "Winning Isn't Easy"! 🎙️

In this enlightening episode, your host, Nancy L. Cavey, delves into the crucial topic of "Disorders Impacting Brain Health in ERISA Disability Claims." 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.

In this episode, you'll discover:

🧠 Common brain-related disorders that can lead to disability claims.
📄 The importance of medical documentation and evidence in ERISA claims.
🤝 Tips for building a strong disability case when dealing with brain health disorders.

Nancy will share her wealth of knowledge and experience in disability law, offering valuable insights and strategies for individuals and their representatives who are pursuing ERISA disability claims related to brain health conditions.

Whether you're someone affected by these disorders or a professional assisting clients, this episode provides critical information to help you navigate the complexities of ERISA disability claims.

Tune in to Season 3, Episode 36 of "Winning Isn't Easy" to gain a deeper understanding of how brain-related disorders impact ERISA disability claims. 📻🧠

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 35 of "Winning Isn't Easy"! 🎙️

In this episode, your host, Nancy L. Cavey, takes a deep dive into the world of UNUM Disability Insurance Carrier Claims. UNUM is a prominent name in the realm of disability insurance, and understanding the intricacies of their claims process is essential for anyone navigating disability benefits.

In this insightful episode, you'll explore:

🔍 A closer look at UNUM's disability insurance offerings and policies.
📋 Common challenges individuals face when dealing with UNUM claims.
🌟 Strategies and tips for successfully pursuing your disability claim with UNUM.

Nancy will draw from her extensive experience in disability law to provide you with valuable insights and practical advice for handling UNUM disability insurance claims effectively.

Whether you're considering a UNUM policy, currently navigating a claim, or simply interested in understanding the landscape of disability insurance, this episode offers valuable information to empower you.

Tune in to Season 3, Episode 35 of "Winning Isn't Easy" to gain a deeper understanding of UNUM Disability Insurance Carrier Claims. 📻📋

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please remember that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 34 of "Winning Isn't Easy"! 🎙️

In this informative episode, join your host, Nancy L. Cavey, as she provides invaluable insights and tips for answering questions on ERISA Activities of Daily Living (ADL) Forms.

Navigating ERISA (Employee Retirement Income Security Act) disability claims can be complex, and completing ADL forms accurately is crucial. Whether you're an applicant or a professional helping someone through the process, understanding the nuances of these forms is essential.

In this episode, you'll discover:

📝 Common mistakes people make when filling out ERISA ADL forms.
🔑 Key tips for providing accurate and compelling answers.
💼 The significance of these forms in the disability claims process.

Nancy will draw from her extensive experience in disability law to guide you through the intricacies of ADL forms, helping you maximize your chances of a successful disability claim.

Tune in to Season 3, Episode 34 of "Winning Isn't Easy" to gain the knowledge and confidence needed to tackle ERISA ADL forms effectively. 📻📝

Please remember that the information shared is for general guidance and should not substitute for personalized legal advice from qualified professionals.

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Welcome to Season 3, Episode 33 of "Winning Isn't Easy"! 🎙️

In this eye-opening episode, join your host, Nancy L. Cavey, as she welcomes a special guest, Attorney Jonathan Rose. Together, they'll delve into the critical topic of "How Doctors Can Destroy Their Disability Claim, Lose Their License, and Go To Jail by Doing Work as a Peer Review Doctor."

You'll gain insights into:

🩺 The potential pitfalls doctors face when engaging in peer review work while on disability.
📜 Legal ramifications and ethical considerations that can jeopardize a medical professional's career.
🚫 The risks of losing disability benefits, medical licenses, and even facing criminal charges.

This episode serves as a vital warning to medical professionals navigating the delicate balance between disability claims and professional responsibilities. Attorney Jonathan Rose will share his legal expertise, shedding light on the potential consequences doctors may face when they cross this ethical and legal threshold.

Tune in to Season 3, Episode 33 of "Winning Isn't Easy" to discover how to safeguard your disability claim, professional reputation, and legal standing as a medical professional. 📻🩺

Please note that the content shared is for informational purposes and should not replace personalized legal advice or guidance from qualified professionals.

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Welcome to Season 3, Episode 32 of "Winning Isn't Easy"! 🎙️

In this episode, we're tackling a crucial aspect of ERISA disability claims: "Your Obligation To Get Medical Care." Join your host, Nancy L. Cavey, a seasoned ERISA Disability Attorney, as she sheds light on the importance of seeking and maintaining medical care when pursuing disability benefits under ERISA (Employee Retirement Income Security Act).

We'll explore:

🏥 Why seeking regular medical care is vital for your disability claim.
📝 Your obligations and responsibilities when it comes to medical treatment.
🧐 How your medical records and healthcare provider's opinions impact your claim.

Understanding your obligation to obtain proper medical care is essential to strengthening your ERISA disability claim. Nancy will provide insights and guidance to help you navigate this aspect of the claims process effectively.

Tune in to Season 3, Episode 32 of "Winning Isn't Easy" for valuable information on how your medical care can impact your ERISA disability claim. 📻🏥

Resources Mentioned In This Episode:

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Greg's website link: https://www.tencap.com/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the content shared is based on general knowledge and should not replace personalized advice from a qualified attorney or medical professional.

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Welcome to Season 3, Episode 31 of "Winning Isn't Easy"! 🎙️

In this episode, we delve into an important topic: "MS Claims" with a special guest, Dr. Natalie Moreo from USF Health. Join your host, Nancy L. Cavey, a seasoned ERISA Disability Attorney, and Dr. Moreo, an expert in the field of MS (Multiple Sclerosis), as they explore the intricacies of MS claims and how they impact individuals seeking disability benefits.

We'll cover:

🧠 An overview of Multiple Sclerosis and its various manifestations.
📄 The crucial medical evidence required for a successful MS disability claim.
📝 How to navigate the complexities of the claims process, from diagnosis to benefits.

Dr. Moreo brings invaluable insights from the medical perspective, shedding light on the medical intricacies that can significantly impact disability claims related to MS.

Tune in to Season 3, Episode 31 of "Winning Isn't Easy" for a comprehensive discussion on MS claims, as we aim to provide you with the knowledge and guidance needed to pursue your disability benefits effectively. 📻🧡

Please remember that the information shared is based on general knowledge and should not replace personalized advice from a qualified attorney or medical professional.

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Welcome to Season 3, Episode 30 of "Winning Isn't Easy"! 🎙️

In this episode, we tackle a crucial aspect of ERISA disability claims: "Timing Issues in ERISA Disability Claims." Join your host, Nancy L. Cavey, a seasoned ERISA Disability Attorney, as she navigates the complexities of timing and its impact on disability claims within the ERISA framework.

We'll explore:

⏳ The significance of timing in filing and pursuing your ERISA disability claim.
📅 Critical deadlines you must be aware of to protect your rights.
🕰️ How delays or missed timelines can affect the outcome of your claim.

Whether you're currently navigating an ERISA disability claim or seeking to understand the critical role timing plays in these claims, this episode provides invaluable insights to help you on your journey.

Tune in to Season 3, Episode 30 of "Winning Isn't Easy" for expert guidance on handling timing issues in ERISA disability claims. 📻⏰

Resources Mentioned In This Episode:

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Greg's website link: https://www.tencap.com/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the content shared is based on general knowledge and should not replace personalized advice from a qualified attorney or legal professional.

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Welcome to Season 3, Episode 29 of "Winning Isn't Easy"! 🎙️

In this episode, we tackle a critical aspect of ERISA disability claims: "Communicating During Your ERISA Disability Claim." Join your host, Nancy L. Cavey, a seasoned ERISA Disability Attorney, as she unravels the intricacies of effective communication throughout the ERISA disability claim process.

We'll explore:

📝 The importance of clear and transparent communication with your insurance company.
📞 How to effectively communicate your disability and medical condition.
🤝 Building a strong line of communication with your legal team to strengthen your claim.

Whether you're currently navigating an ERISA disability claim or are seeking to better understand the communication aspects of these claims, this episode provides valuable insights to help you on your journey.

Tune in to Season 3, Episode 29 of "Winning Isn't Easy" for expert guidance on communicating during your ERISA disability claim. 📻🗂️

Resources Mentioned In This Episode:

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Greg's website link: https://www.tencap.com/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the content shared is based on general knowledge and should not replace personalized advice from a qualified attorney or legal professional.

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Welcome to Season 3, Episode 28 of "Winning Isn't Easy"! 🎙️

In this informative episode, we're delving into a crucial topic: "Medicare 101 and Open Enrollment Information." Join your host, Nancy L. Cavey, a seasoned expert in disability law, as she provides valuable insights and guidance on understanding the basics of Medicare and navigating the open enrollment process with our special guest Hunter Walton who helps people with their Medicare decisions and policies!

We'll cover:

🏥 An overview of Medicare and its different parts.
🗓️ The importance of the Medicare open enrollment period.
🔍 How to make informed decisions during open enrollment to ensure you have the right coverage for your healthcare needs.

Whether you're approaching Medicare age or helping a loved one with their healthcare decisions, this episode equips you with essential knowledge to make informed choices regarding Medicare coverage.

Tune in to Season 3, Episode 28 of "Winning Isn't Easy" for an insightful exploration of Medicare 101 and valuable information on open enrollment. 📻🩺

Please remember that the information shared is based on general knowledge and should not replace personalized advice from a qualified healthcare professional or Medicare specialist.

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Welcome to Season 3, Episode 26 of the "Winning Isn't Easy" podcast! 🎙️

In this insightful episode, we're diving deep into the intersection of Employment Issues and ERISA Claims. Join our host, Nancy L. Cavey, a seasoned ERISA Disability Attorney, as she uncovers the complexities and challenges that individuals may face when their employment situation intersects with their ERISA disability claims.

We'll explore:

🤝 How employment issues can impact your eligibility for ERISA disability benefits.
⚖️ The legal intricacies of navigating ERISA claims when employment-related challenges arise.
🔑 Key strategies for successfully pursuing your ERISA disability claim while dealing with employment-related issues.

Whether you're an employee facing difficulties at work or an attorney seeking to better understand the complexities of ERISA claims, this episode is packed with valuable insights to help you navigate the intersection of employment issues and disability claims.

Tune in to Season 3, Episode 26 of the "Winning Isn't Easy" podcast, and empower yourself with knowledge in the world of ERISA claims and employment challenges. 📻✨

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the content shared is based on general knowledge and should not replace personalized advice from a qualified attorney or legal professional.

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Welcome to Season 3, Episode 25 of Winning Isn't Easy, the podcast that delves into the complexities of disability insurance claims. In this insightful episode, we explore the crucial topic of "How Financial Planning Interacts with Disability Claims" with special guest Financial Planner Greg Black.

Join us as we unravel the intricate relationship between financial planning and disability claims. Our expert host, Nancy L. Cavey, a seasoned disability attorney, is joined by Greg Black, a distinguished Financial Planner with extensive experience in the field.

Through engaging discussions, we'll delve into the ways financial planning impacts disability claims. Greg Black will share his insights on strategies for managing finances during disability, maximizing benefits, and ensuring your financial well-being. This episode provides a unique perspective on how effective financial planning can complement disability claims, guiding listeners towards a more secure future.

Tune in to Winning Isn't Easy Season 3, Episode 25: How Financial Planning Interacts with Disability Claims with Financial Planner Greg Black. Gain a deeper understanding of the synergy between financial planning and disability claims and empower yourself with valuable insights for a more stable tomorrow.

Resources Mentioned In This Episode:

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Greg's website link: https://www.tencap.com/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the content shared is based on general knowledge and should not replace personalized advice from qualified financial or legal professionals.

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Welcome to Season 3 Episode 24 of Winning Isn't Easy, the podcast that unravels the intricacies of disability insurance claims. In this episode, we delve into a pivotal subject: "What You Need to Know About ERISA Regulations in Disability Claims."

Join us as we demystify the complex world of ERISA regulations and their impact on disability claims. Our expert host, Nancy L. Cavey, a seasoned disability attorney, breaks down the fundamental aspects of ERISA regulations and provides invaluable insights into their application in disability claims.

Through informative discussions, we'll explore the crucial components of ERISA regulations, how they affect disability claimants, and the specific steps you should take to navigate the claims process effectively. Whether you're new to ERISA regulations or seeking to deepen your understanding, this episode equips you with essential knowledge to make informed decisions about your disability claim.

Tune in to Winning Isn't Easy Season 3 Episode 24: What You Need to Know About ERISA Regulations in Disability Claims. Empower yourself with information that can be a game-changer in securing the disability benefits you rightfully deserve.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the content shared is based on general knowledge and should not replace personalized advice from a qualified disability attorney or legal professional.

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Welcome to Season 3 Episode 23 of Winning Isn't Easy, the podcast that delves into the intricacies of disability insurance claims. In this episode, we continue our exploration of a critical topic: "More on MS ERISA Disability Claims."

Join us as we dive deeper into the complexities of Multiple Sclerosis (MS) ERISA disability claims. Our expert host, Nancy L. Cavey, a seasoned disability attorney, provides further insights, strategies, and guidance for individuals navigating the challenging landscape of MS-related disability claims under ERISA.

Through in-depth discussions, we'll cover key aspects such as the evolving nature of MS symptoms, the importance of accurate medical documentation, and the nuances of dealing with insurance companies. We'll also address common issues faced by claimants and offer effective strategies to advocate for your rights and secure the disability benefits you deserve.

Whether you're currently pursuing an MS ERISA disability claim or looking to enhance your understanding of the process, this episode equips you with valuable knowledge to navigate the complexities and challenges with confidence.

Tune in to Winning Isn't Easy Season 3 Episode 23: More on MS ERISA Disability Claims, and empower yourself to effectively navigate the intricacies of securing the disability benefits you need.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the information shared is based on general knowledge and should not replace personalized advice from a qualified disability attorney or medical professional.

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Welcome to Season 3 Episode 22 of Winning Isn't Easy, the podcast dedicated to navigating the complexities of disability insurance claims. In this enlightening episode, we delve into the intricate world of Autonomic Dysfunction, POTS, ME/CFS, MCAS, EDS, and their impact on your eligibility for Social Security Disability Benefits from a presentation that Nancy gave for a Facebook group that supports that community.

Facebook group found here: https://www.facebook.com/groups/863928691168229

Join us as we explore the unique challenges individuals with Autonomic Dysfunction, POTS, ME/CFS, MCAS, and EDS face in securing Social Security Disability Benefits. Our expert host, Nancy L. Cavey, a seasoned disability attorney, unravels the complexities of these conditions and provides invaluable insights into the claims process.

Through compelling discussions, we'll dissect the medical evidence required to support your claim, discuss common obstacles faced during the application process, and offer strategies to effectively advocate for your rights. Whether you're personally dealing with these conditions or seeking a deeper understanding, this episode equips you with the knowledge to navigate the intricacies of Social Security Disability Benefits.

Tune in to Winning Isn't Easy Season 3 Episode 22: Autonomic Dysfunction, POTS, ME/CFS, MCAS, EDS and Your Eligibility for Social Security Disability Benefits. Empower yourself with information that can make a difference in your journey to secure the benefits you deserve.

Please note that the content shared is based on general knowledge and should not replace personalized advice from a qualified disability attorney or medical professional.

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Welcome to Season 3 Episode 21 of Winning Isn't Easy, the podcast that delves into the complexities of disability insurance claims. In this highly informative episode, we focus on "ERISA LTD Claims on Rheumatoid Arthritis, Fibromyalgia & Chronic Fatigue Claims."

Join us as we shed light on the unique challenges faced by individuals seeking disability benefits for conditions like rheumatoid arthritis, fibromyalgia, and chronic fatigue under ERISA. These conditions can significantly impact an individual's ability to work and lead a fulfilling life.

Our host, Nancy Cavey, a seasoned disability attorney, shares her expertise in handling ERISA LTD claims for these complex conditions. Nancy will discuss the specific medical evidence required to support a disability claim, common issues faced during the claims process, and strategies for effectively advocating for your rights as a claimant.

Throughout the episode, we'll explore the nuances of dealing with insurance companies and their evaluation of claims related to rheumatoid arthritis, fibromyalgia, and chronic fatigue. We'll provide guidance on gathering comprehensive medical documentation, understanding policy language, and preparing a strong claim to increase your chances of a successful outcome.

Whether you're personally navigating a disability claim or seeking to deepen your understanding of these conditions and the claims process, this episode offers valuable information to help you navigate the complexities and secure the disability benefits you deserve.

Tune in to Winning Isn't Easy Season 3 Episode 21: ERISA LTD Claims on Rheumatoid Arthritis, Fibromyalgia & Chronic Fatigue Claims, and empower yourself with the knowledge needed to overcome the challenges and advocate for your rights effectively.

Please note that the information provided in this episode is based on general knowledge and should not substitute for personalized advice from a qualified disability attorney or medical professional.

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Welcome to Season 3 Episode 20 of Winning Isn't Easy, the podcast that dives into the complexities of disability insurance claims. In this episode, we turn our focus to an essential topic: "Chiari Malformation Disability Claims."

Join us as we explore the unique challenges and intricacies of disability claims related to Chiari Malformation. This condition can have a significant impact on an individual's daily life and ability to work, making it crucial to understand the complexities of navigating the claims process.

Our host, Nancy Cavey, a seasoned disability attorney, shares her expertise in handling Chiari Malformation disability claims. Nancy will provide valuable insights and strategies for effectively advocating for your rights as a claimant and securing the disability benefits you deserve.

Throughout the episode, we'll discuss the medical evidence required to support a Chiari Malformation disability claim, common issues faced during the claims process, and the importance of accurate and comprehensive medical records.

Whether you're personally dealing with a Chiari Malformation disability claim or seeking to deepen your understanding of this topic, this episode offers valuable information to help you navigate the complexities of Chiari Malformation disability claims.

Tune in to Winning Isn't Easy Season 3 Episode 20: Chiari Malformation Disability Claims, and join us as we shed light on this critical subject, empowering you to fight for the disability benefits you need during this challenging time.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Please note that the information provided in this episode is based on general knowledge and should not substitute for personalized advice from a qualified disability attorney or medical professional.

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Welcome to Season 3 Episode 19 of Winning Isn't Easy, the podcast hosted by Nancy Cavey, that explores the complexities of disability insurance claims. In this eye-opening episode, we delve into the critical topic: "Two Mistakes Your Doctor Can Make That Can Kill Your ERISA Claim."

As a disability attorney with extensive experience, Nancy Cavey shares her expertise on the pivotal role of medical evidence in ERISA disability claims. In this episode, she uncovers the two common mistakes made by doctors that can significantly impact the outcome of your disability claim under ERISA.

Understanding these potential mistakes is crucial for claimants, as it empowers them to take proactive steps to protect their rights and secure the benefits they deserve.

Throughout the episode, Nancy provides practical tips on how to effectively communicate with your healthcare provider to ensure the accuracy and completeness of your medical records. Her insights will equip you with the knowledge needed to navigate the complexities of disability insurance claims with confidence.

Whether you're currently pursuing an ERISA disability claim or seeking to deepen your knowledge on the topic, this episode offers valuable information to help you strengthen your claim and advocate for your rights effectively.

Tune in to Winning Isn't Easy Season 3 Episode 19: Two Mistakes Your Doctor Can Make That Can Kill Your ERISA Claim, and join Nancy Cavey on this informative journey to secure the benefits you deserve.

Please note that the information provided in this episode is based on general knowledge and should not substitute for personalized advice from a qualified disability attorney or medical professional.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to Season 3 Episode 17 of Winning Isn't Easy, the podcast that dives deep into the world of disability insurance claims. In this episode, we shine the spotlight on another prominent disability carrier: United Mutual of Omaha.

Join us as we explore the intricacies of dealing with United Mutual of Omaha in disability claims. We'll discuss their policies, practices, and common challenges faced by claimants. Gain valuable insights into navigating the claims process, understanding policy language, and effectively advocating for your rights as a policyholder.

Our host, Nancy L. Cavey, a seasoned disability attorney, shares her expertise and experiences in handling United Mutual of Omaha disability claims. Nancy will provide valuable tips and strategies to maximize your chances of a successful claim outcome.

Whether you're currently dealing with United Mutual of Omaha or simply seeking to deepen your understanding of disability insurance carriers, this episode is packed with valuable information that can help you navigate the complexities of United Mutual of Omaha disability claims.

Tune in to Winning Isn't Easy Season 3 Episode 17: Disability Carrier Spotlight - More on United Mutual of Omaha, and empower yourself with the knowledge you need to fight for the disability benefits you deserve.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Note: The information provided in this episode is based on general knowledge and should not substitute for personalized advice from a qualified disability attorney.

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Winning Isnt' Easy Season 3 Episode 16: ERISA 510 Retaliation Claims

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Welcome to Season 3 Episode 15 of Winning Isn't Easy, the podcast that explores the intricacies of disability insurance claims. In this episode, we delve deeper into a topic of great significance: Lyme Disease and Epstein-Barr Virus.

Building upon our previous discussions on these complex illnesses, we continue to shed light on the challenges faced by individuals affected by Lyme Disease and Epstein-Barr Virus. These conditions can have profound impacts on one's health, daily life, and ability to work.

Join us as we explore the latest insights, research, and advancements in understanding these conditions. Our host, Nancy Cavey, will share her expertise as a disability attorney specializing in cases involving Lyme Disease and Epstein-Barr Virus. Nancy will discuss the unique challenges in obtaining a proper diagnosis, navigating the claims process, and advocating for the benefits individuals deserve.

In this episode, we'll also cover the various symptoms and complications associated with these diseases and how they can impact an individual's functional capacity. We'll provide practical advice on gathering medical evidence, understanding policy language, and effectively communicating your condition to insurance providers.

Whether you are personally affected by Lyme Disease or Epstein-Barr Virus, or seeking to deepen your knowledge of these conditions, this episode offers valuable information that can help you navigate the disability claims process with confidence.

Tune in to Winning Isn't Easy Season 3 Episode 15: More on Lyme Disease and Epstein-Barr Virus, and empower yourself with the knowledge and tools needed to overcome the challenges and secure the disability benefits you deserve.

Please note that the information provided in this episode is for educational purposes only and should not substitute for personalized advice from a qualified medical professional or disability attorney.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to Season 3 Episode 14 of Winning Isn't Easy, the podcast that delves into the complexities of disability insurance claims. In this episode, we have a special focus on a critical topic: Gastrointestinal Diseases in Disability Claims.

Hosted by Nancy Cavey, a renowned disability attorney and your guide through the world of disability claims, this episode provides invaluable insights into the challenges faced by individuals with gastrointestinal diseases when navigating the disability claims process.

Join Nancy Cavey as she explores the intricacies of gastrointestinal diseases in disability claims. Drawing from her extensive experience, Nancy will share her expertise, knowledge, and strategies for successfully advocating for individuals with conditions like Crohn's disease, ulcerative colitis, irritable bowel syndrome (IBS), and celiac disease.

Throughout the episode, Nancy will discuss the medical evidence required to support a disability claim, the challenges of obtaining an accurate diagnosis, and how the symptoms of gastrointestinal diseases can impact an individual's ability to work. She'll provide guidance on how to effectively present your case to the insurance company and maximize your chances of a successful claim outcome.

Whether you are personally dealing with a gastrointestinal disease and considering a disability claim or simply seeking a deeper understanding of this topic, this episode offers valuable information that can help you navigate the complexities of the disability claims process.

Tune in to Winning Isn't Easy Season 3 Episode 14: Gastrointestinal Diseases in Disability Claims, and join Nancy Cavey as she sheds light on this important subject, empowering you to navigate the challenges and secure the disability benefits you deserve.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

Note: The information provided in this episode is based on general knowledge and should not substitute for personalized attorney advice.

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Welcome to Season 3 Episode 13 of Winning Isn't Easy, the podcast that delves into the challenging world of disability insurance claims with UNUM.

In this episode, we revisit UNUM ERISA Disability Claims with Nancy L. Cavey's expertise and insights. As one of the leading disability attorneys in the field, Nancy brings her extensive experience dealing with UNUM and sheds light on the specific challenges claimants face when navigating UNUM ERISA Disability Claims.

Join us as Nancy discusses the common issues encountered with UNUM, including claim denials, policy interpretations, and the complex appeals process. She shares her strategies for effectively advocating for your rights as a policyholder and provides valuable guidance to help you navigate the intricacies of UNUM ERISA Disability Claims.

As the host of Winning Isn't Easy, Nancy L. Cavey brings her wealth of knowledge and expertise directly to you in this episode. Her insights and experiences will empower you with the information you need to fight for the disability benefits you deserve from UNUM.

Tune in to Winning Isn't Easy Season 3 Episode 13: UNUM ERISA Disability Claims Revisited, and join Nancy L. Cavey as she provides essential guidance for policyholders dealing with UNUM ERISA Disability Claims.

Note: The information provided in this episode is based on general knowledge and does not constitute legal advice. For personalized advice, consult with Nancy L. Cavey or another qualified attorney familiar with UNUM ERISA Disability Claims.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to a special episode of the Winning Isn't Easy Podcast: the Hot Topics edition! In this episode, we'll address some burning questions that I've been receiving lately.

First up, we'll tackle the question: Can a disability carrier or a disability plan's failure to reference a specific plan provision on which the claim denial is based change the standard of review? We'll dive into the implications of this scenario and explore how it can impact the review process of a disability claim.

Next, we'll discuss how disability insurance companies respond to a disability policyholder's perception of risk associated with full-time work. Understanding how insurance companies evaluate the risk factors related to returning to full-time work is crucial for policyholders seeking to navigate the disability claims process effectively.

Join me as we unpack these important topics and provide valuable insights to help you navigate the complexities of disability insurance. Tune in to this episode of the Winning Isn't Easy Podcast and gain the knowledge you need to protect your rights and make informed decisions.

WinningIsntEasyPodcast #HotTopicsEdition #DisabilityInsuranceInsights

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Winning Isn't Easy Season 3 Episode 11: UNUM and MECFS Fibro Claims hosted by National ERISA Long Term Disability Attorney Nancy L. Cavey located in the Tampa Bay area of Florida.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Winning Isn't Easy Season 3 Episode 10: Insurance Carrier Spotlight on MetLife Disability

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Winning Isn't Easy Season 3 Episode 9: Chronic Fatigue, Multiple Sclerosis, Attorney's And Their Long-Term Disability Claims

Welcome to Winning Isn't Easy, the podcast that delves into the complex world of long-term disability insurance claims. In Season 3 Episode 9, as always we're joined by a leading expert in the field, Nancy L. Cavey, a nationwide ERISA Disability Attorney who specializes in chronic fatigue and multiple sclerosis claims.

Living with chronic fatigue or multiple sclerosis can be incredibly challenging, and filing for long-term disability can be overwhelming. Attorney Cavey brings her extensive experience representing clients with these conditions and shares tips on how to navigate the complex disability claims process.

In this episode, Attorney Cavey emphasizes the importance of medical evidence and explains how to effectively communicate your symptoms to healthcare providers. She also shares her strategies for dealing with insurance companies and how to handle a denied claim.

Whether you're a chronic fatigue or multiple sclerosis patient looking to file a disability claim or an attorney seeking guidance on how to best represent your clients, this episode is packed with valuable insights and practical tips. Join us for Winning Isn't Easy Season 3 Episode 9: Chronic Fatigue, Multiple Sclerosis, and ERISA Disability Attorney Nancy L. Cavey.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Episode 8: Fibromyalgia & Subjective Medical Evidence Claims

In this episode of "Winning Isn't Easy," host Nancy L. Cavey takes a deep dive into the challenges faced by individuals with fibromyalgia who are seeking long-term disability benefits under ERISA. Fibromyalgia is a chronic pain condition that can be difficult to diagnose and treat, and is often subject to skepticism from insurers and plan administrators. Nancy discusses the importance of subjective medical evidence in supporting a fibromyalgia claim, and explores strategies for gathering and presenting this evidence in a persuasive way.

Throughout the episode, Nancy draws on her experience as a disability attorney to provide practical tips and advice for listeners who are navigating the long-term disability claims process with fibromyalgia. She also shares stories from her own practice to highlight the unique challenges faced by individuals with this condition, and offers insights into the best strategies for overcoming them.

Tune in to this episode of "Winning Isn't Easy" to learn more about fibromyalgia and subjective medical evidence claims, and how you can increase your chances of winning the long-term disability benefits you deserve.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Dr. Braun's Website and Information: https://www.bayareaorthofl.com/david-t-braun/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Winning Isn't Easy: The Sedentary Employment Game (Season 3, Episode 7)
In this episode of "Winning Isn't Easy," host Nancy L. Cavey delves into the challenges faced by disabled workers who work in sedentary jobs. Drawing on her own experience and expertise as a disability attorney, Nancy explores the physical and mental health risks associated with sedentary employment and offers practical strategies for protecting your health and your rights under ERISA.

Throughout the episode, Nancy shares insights and stories from her own practice, highlighting the obstacles that disabled workers face and the strategies that have helped her clients succeed. She discusses the importance of ergonomic workspaces, regular exercise and movement breaks, and the need for employers to make reasonable accommodations for disabled employees.

Tune in to this episode of "Winning Isn't Easy" to learn more about the sedentary employment game, and how you can protect your health and your rights as a disabled worker.

"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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Dr. Braun's Website and Information: https://www.bayareaorthofl.com/david-t-braun/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to Winning Isn't Easy, the podcast that dives into the complex world of disability insurance claims and legal battles. In Season 3 Episode 6, Nationwide Long Term Disability Attorney Nancy L. Cavey to discusses the challenges of dealing with The Hartford Disability Insurance Carrier.

Navigating the disability insurance claims process can be overwhelming, especially when dealing with a carrier like The Hartford. With decades of experience representing clients in disability claims against major insurance carriers, Attorney Cavey offers her unique insight into the tactics used by insurance companies to deny or terminate claims, and how to effectively fight back.

In this episode, we'll explore the common issues that arise when dealing with The Hartford, including the importance of medical evidence, the use of surveillance, and how to handle a denied claim. Attorney Cavey will share her strategies for successfully advocating for her clients and navigating the appeals process.

Whether you're a disability insurance policyholder, a healthcare provider, or an attorney representing clients in disability claims, this episode is packed with valuable information to help you navigate the complex world of disability insurance claims and come out on top. Join us for Winning Isn't Easy Season 3 Episode 6: The Hartford Disability Insurance Carrier by Nationwide Long Term Disability Attorney 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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Dr. Braun's Website and Information: https://www.bayareaorthofl.com/david-t-braun/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Winning Isn't Easy Season 3 Episode 5: Neuropsychological Testing & Brain Mapping in Long Term Disability Claims

In this episode of "Winning Isn't Easy," we delve into the world of neuropsychological testing and brain mapping in the context of long term disability claims. Nationwide ERISA Disability Attorney Nancy Cavey discusses the importance of these assessments in establishing the severity and impact of cognitive impairment in individuals seeking disability benefits.

We explore the various tests and tools used in neuropsychological evaluations, including the role of brain imaging techniques such as MRI and CT scans in identifying brain damage and dysfunction. Our guest also shares insights on how this information is used in disability claims and how it can impact the outcome of these cases.

Throughout the episode, we highlight real-life examples of individuals who have undergone neuropsychological testing and brain mapping as part of their disability claims. We discuss the challenges they faced in obtaining benefits and how the results of their assessments played a critical role in their success.

Whether you're a disability claims professional or simply interested in the science behind cognitive assessment, this episode of "Winning Isn't Easy" offers valuable insights and perspectives on a critical issue. So join us as we explore the complex world of neuropsychological testing and brain mapping in the context of long term disability claims.

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In this episode of Winning Isn't Easy, Nationwide ERISA Disability Attorney Nancy L. Cavey will discuss the basics of Disability 101 and the importance of meaningful dialogue between disability carriers and claimants. Nancy will discuss key topics such as how to file a claim, common mistakes to avoid, and how to create a meaningful dialogue with your disability carrier. She will also provide insight on what to do if you are denied a claim and how to appeal a denial. Tune in to gain a better understanding of the disability process and how to better communicate with disability carriers.

"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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Dr. Braun's Website and Information: https://www.bayareaorthofl.com/david-t-braun/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to Winning Isn't Easy! In this episode Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey talks about Degenerative Shoulder & Knee Conditions with a Special Guest Dr. Braun.

"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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

FREE CONSULT LINK: https://caveylaw.com/contact-us/

Dr. Braun's Website and Information: https://www.bayareaorthofl.com/david-t-braun/

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to Winning Isn't Easy! In this episode Nationwide Long Term Disability ERISA Attorney Nancy L. Cavey talks bout the Insurance Carrier Reliance Standard.

"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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this Episode of Winning Isn't Easy - Nationwide Long Term ERISA Attorney Nancy L. Cavey talks about some HOT TOPICS in the ERISA LTD world that are trending right now among the disability world. Listen in!

"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: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to another episode of Winning Isn't Easy with your host Nationwide ERISA Disability Attorney Nancy L. Cavey! On this weeks episode we will be talking about How To Hire An Attorney For Your ERISA Long-Term Disability Claim!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode listen in as Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey talks about "he Occupational Factors That A Disability Insurance Carrier Considers When You Apply for Your Disability Insurance Benefits – Verifiable Occupational Duties & Professional Licenses" and other issues!

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Welcome to another episode of Winning Isn't Easy with your host Nationwide ERISA Disability Attorney Nancy L. Cavey! On this weeks episode we will be talking about all things about the interaction of Social Security and Long Term Disability claims.

Featured Segments Include:
1 - What You Need to Know about Social Security Disability Listings

2 - Why You Shouldn’t Speak with the Social Security Administration Claim Adjudicator Assigned to Your Claim

3 - Three Ways Your Social Security Disability Attorney Can Destroy Your ERISA Disability Claim

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Listen in as Nationwide Long Term Disability ERISA Attorney Nancy L. Cavey talks about Understanding Your Standard Of Review and other issues you may have regarding your Long Term Disability policy coverage.

Nancy is known for helping those with Long Term Disability Policies get the disability benefits they deserve and have PAID for! 

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Listen in as Nationwide Long Term Disability ERISA Attorney Nancy L. Cavey talks about the many disabling conditions that disability insurance carriers        and other issues you may have regarding your Long Term Disability policy coverage.

Nancy is known for helping those with specific conditions fight the disability insurance company for the rights of her clients.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Listen in as Nationwide Long Term Disability ERISA Attorney Nancy L. Cavey talks about the many disabling conditions that disability insurance carriers broadly classify as Shoulder Problems, how the carrier will classify your injuries or conditions in a way that benefits them the most, and other issues you may have regarding your Long Term Disability policy coverage.

Nancy is known for helping those with specific conditions fight the disability insurance company for the rights of her clients.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this weeks Episode of Winning Isn't Easy Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey talks about 3 major topics:
1 - Can You Sue a Fiduciary Who Failed to Properly Enroll Your Spouse in an ERISA Life Insurance Plan?

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

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

Resources Mentioned In This Episode:***

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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On this week's episode of Winning Isn't Easy  learn about How UNUM's Past Claims Handling Can Inform Your Future Disability Claim from Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this weeks episode of  Winning Isn't Easy: More On ME-CFS & Fibromyalgia - Meeting The Onerous Elimination Period In Your Policy & The Lengths Carriers Will Go To In Order To Deny Your Claim by nationwide ERISA Disability Attorney Nany L. Cavey. 

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WIE Season 2: Job Status, Situational Factors, & More What Disability Carriers Do With These to Determine Your Occupation, and How That Can Impact Your Disability Case with Nationwide ERISA Disability Attorney Nancy L. Cavey. 

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Winning Isn't Easy: Social Media, Criminal Background Checks, Unemployment - What Disability Carriers Do With These to Determine Your Occupation, and How That Can Impact Your Disability Case

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In this weeks episode of Winning Isn't Easy - Nationwide ERISA Attorney Nancy Cavey talks about "Winning Isn't Easy: The 3 Approaches Long-Term Disability Carriers Use When Evaluating Your Initial Application For Your Disability Insurance Benefits."

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Nationwide ERISA Disability Attorney Nancy L. Cavey talks about UNUM and how they handle your claims on Winning Isn't Easy Episode 38: UNUM Disability Insurance Carrier Spotlight! 

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On Episode 37 of Winning Isn't Easy - We focus on Aetna Disability Insurance Carrier and the Games they play with your Long Term Disability and ERISA benefits. 

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In this week's episode of Winning Isn't Easy - Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey talks about ***" The Common Symptoms Of Multiple Sclerosis That Carriers Will Look For In Your Medical Records & The Disabling Symptoms They Will Overlook To Deny Your Claim"  and much more!

Resources Mentioned In This Episode:***

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Welcome to another episode of Winning Isn't Easy! In today's show Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey talks about " The Games That Carriers Play With Your Social Security Disability And Retirement Benefits" .Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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On this week's Episode of Winning Isn't Easy - Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey talks about what happens when "Misrepresentations On Your Disability Enrollment Forms" occur!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Listen in for this week's episode of Winning Isn't Easy by Nationwide ERISA Disability Attorney Nancy L. Cavey as we talk about: ***WIE Season 2: More On Myalgic Encephalomyelitis - Chronic Fatigue Syndrome Disability Claims.

Segments Include:
1 - What Type of Doctor Does the Long-Term Disability Carrier Expect You to Treat With If You Have Myalgic Encephalomyelitis or Chronic Fatigue Syndrome?

2 - The Two Things You Should Track in Your Chronic Fatigue Diary to Win Your Long-Term Disability Chronic Fatigue Claim

3 - What You Shouldn’t Track Your Daily or Weekly Schedule in Your Chronic Fatigue Long-Term Disability Claim

4 - Why You Must Have a CPET Test if You Are Applying for Your Long-Term Disability Benefits Because of ME/CFS

Resources Mentioned In This Episode:***

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this Episode of Winning Isn't Easy - learn about "What Every Attorney Needs To Know About Long-Term Disability Insurance & The 3 Ways To Purchase A Disability Plan or Policy" from Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey. 

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Listen in as Nationwide Long Term Disability ERISA Attorney Nancy L. Cavey talks about "Winning Isn't Easy: How Disability Insurance Carriers View Disability Claims For Hearing Loss, Tinnitus, and Meniere's Disease" and other issues you may have regarding your Long Term Disability policy coverage. 

Nancy is known for helping those with specific conditions fight the disability insurance company for the rights of her clients. 

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Learn "What Every Physician Needs To Know About Buying Long-Term Disability Insurance Policies At Any Stage Of Their Career" from Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey and more helpful disability claim information.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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On this week's Episode of Winning Isn't Easy - Your Host Nationwide ERISA Long Term Disability Attorney talks about Hot Topics: What You Need To Consider When You Are Thinking About Quitting Your Job And Applying For Disability Or Get A New Job and other disability related issues!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Listen to Episode 53 of Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey's podcast Winning Isn't Easy where she talks about What Small Business Owners Need To Know About Applying For Disability Insurance Benefits & What Not To Do After Winning Your Claim.

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Episode 52 Season 2: Nurses and The Long Term Disability Process

Nationwide ERISA Long Term Disability Attorney Nancy Cavey is going to talk about some nurse-centric short- and long-term disability claims. Nancy acknowledges that Nurses are the backbone of the medical community, and have been integral in combating the COVID-19 pandemic. Disability claims are highly scrutinized, and the same goes for those of nurses as she dives into some examples.

1 - Registered Nurse with Cushing’s Disease Awarded LINA Short-Term Disability
Benefits

2 - Nurse Anesthetist Self-Treating Insomnia Results in Death and Denial of
Accidental Death and Dismemberment Policy

3 - How a General Workplace Standard of Occupation in a Medical Trainer
Nurse’s Disability Policy Doomed Her Disability Insurance Claim

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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National ERISA Long Term Disability Attorney Nancy L. Cavey  shares her wisdom in the Winning Isn't Easy Podcast. 

I'm gonna talk about three things today, and we're really gonna be talking about the wonderful or maybe not so wonderful world of social media. First, do your social media post make you a liar. What every long term disability applicant needs to know about their social media posts. Two, a federal judge doesn't buy the window tour vacation video that Unum relied on in denying claims and lessons you can learn. And then third, my social media warning that you should take. Seriously.!

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Episode 42  Season 2: The Importance Of Attending Physician's Statement Forms - Welcome to another episode of Winning Isn't Easy! On this episode Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about the Importance of Attending Physician Statement forms in your disability claim.

Resources Mentioned In This Episode:
LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Episode 35 Season 2: United Of Omaha Carrier Spotlight

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Do you suffer from Fibromyalgia or CFS? Nationwide Long Term Disability ERISA Attorney Nancy Cavey talks about how she handles Fibro disability claims.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Nationwide ERISA Long Term Disbility Attorney Nancy L. Cavey talks to you today about "How Much Are You Going To Be Entitled To When You File A Claim For Your Long-Term Disability Benefits?" and much more related to disability claims.Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Nationwide Long Term Disability Attorney Nancy L. Cavey talks about the insurance carriers and the games and tricks they like to play with your disability policies! In this episode we feature  MetLife Disability Insurance  as the Carrier Spotlight!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this episode of Winning Isn't Easy, learn "How The Contents Of Your Medical Records, And You Attending Physician's Statement Forms Can Be Used By The Disability Insurance Carrier To Deny Your Claim" by nationwide Long Term Disability ERISA Attorney Nancy L. Cavey.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Nationwide Long Term Disability Attorney Nancy L. Cavey talks about the insurance carriers and the games and tricks they like to play with your disability policies! In this episode we feature "What You Need To Know As A Prudential Disability Insurance Policyholder".

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Episode 33: The Intersection Of Long-Term Disability & Personal Finances, Part 1: Taxability & Overpayments with Larry Weinstein

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Episode 32: What Long-Term Disability Policyholders Need To Know About Filing Bankruptcy As A Recipient Of Disability Benefits

In this week's episode learn about: "What Long-Term Disability Policyholders Need To Know About Filing Bankruptcy As A Recipient Of Disability Benefits" and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Episode 31: The Mistakes Made During A Field Interview That Can Ruin Your LTD Claim Part 2

In this week's episode learn about: "The Mistakes Made During A Field Interview That Can Ruin Your LTD Claim Part 2." and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode learn about: "The Mistakes Made During A Field Interview That Can Ruin Your LTD Claim, Part 1." and much more from Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey.  Field Interviews are crucial to your LTD Disability claim and Nancy goes in depth about these in this episode.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode learn about: "Parkinsons and Long Term Disability Claims." and much more! Nancy Cavey is a national Long Term Disability ERISA disability lawyer who specializes in helping those with disease based insurance claims get the disability insurance benefits they deserve!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode learn about: "What You Need To Know About The Activity Of Daily Living Forms That The Disability Insurance Carrier  Will Require You To Full Out, And How They Can Be Used To Deny Or Terminate Your Claim For Benefits." and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about  "What is an Attending Physician Statement, and How It Can Make Or Break Your Case From The Start"" and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this Episode - Nationwide ERISA Long Term Disability Attorney Nancy L. Cavey tells us about "What You Need To Know About The Intersections Between Disability & Employment Law with Employment Attorney Marcus Castillo".

Marcus is Board Certified in Labor and Employment Law by the Florida Bar.

He is one of the first lawyers in the state to achieve this distinction. He is the founder of a jury trial consulting practice and regularly litigates in state and federal court.

His contact information is: Phone: 727-535-4544 website: www.haas-castillo.com

Resources Mentioned In This Episode:
LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about  "What You Need To Know About The Work History Forms The LTD Carrier Sends You During The Application Process" and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about "Why Those Living With Disability Should Consider Having A Will & What You Should Know About Estate Planning Featuring Estate Planning Attorney Autumn Hancock" and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

FREE CONSULT LINK: https://caveylaw.com/contact-us/

ATTORNEY AUTUMN HANCOCK INFORMATION:

Attorney Autumn Hancock focuses her practice on adoption, collaborative law, and family law. Attorney Hancock also handles certain probate and estate planning, real estate, foreclosure, and criminal law cases.

For more information about a specific legal issue, her contact information is:
Phone: 727-222-0529
website: www.hancocklawfl.com

She represents clients all over the Tampa bay area.

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about  "What You Need To Know About The Long-Term Disability Application Process, Part 1: The Work History Forms & The Definition of Your Occupation" and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about "The Impact of Filing For Divorce On The Disability Insurance Benefits Process" with Divorce Attorney Kristina Feher and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/

FREE CONSULT LINK: https://caveylaw.com/contact-us/

ATTORNEY KRISTINA FEHER:Her boutique firm practices in the areas of bankruptcy law and family law. For more information about a specific legal issue, Her contact information is:

Phone: 727-359-0367
Website: www.feherlaw.com

She represents clients in St. Petersburg, Clearwater, and the Tampa bay area.

Need Help Today?

Need help with your Long Term Disability or ERISA claim? Have questions? Please feel free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about  "What You Need To Know About Providing Your Disability Insurance Carrier With Adequate Proof of Loss" and much more!

Resources Mentioned In This Episode:
LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about  "The Difference In The Standard Of Disability Between Social Security Disability Claims & Long-Term Disability Insurance Policies" and much more!

Resources Mentioned In This Episode:
LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Part 1 - Deconstructing The Definition Of Disability In An ERISA Policy

Part 2 -  How Long-Term Disability Insurance Carriers Evaluate Occupational Requirements

Part 3 -   The 4 Important Terms In Your "Own Occ" Disability Policy You Need To Know

In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about  "Definition Of Disability Terms In An ERISA Policy" and much more!

Resources Mentioned In This Episode:
LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about "What You Need To Know About Long-Term Disability Policy Riders, And How They Can Enhance Your Policy"  and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about "The Evaluation Process Used In Every Long-Term Disability Benefits Claim For Diabetes" and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

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In this week's episode - Nationwide ERISA Long Term Disability Attorney Nancy Cavey talks about "How Disability Insurance Carriers Will Use The Mental/Nervous Policy Limitations To Limit The Payment Of Benefits To Disabled Policyholders" and much more!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

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In this week's episode, Nationwide Long Term Disability ERISA Attorney Nancy L. Cavey talks about "The Games Liberty Mutual Will Play When Trying To Deny A Long-Term Disability Policyholder's Claim".

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

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In this week's podcast - Nationwide Long Term Disability ERISA Attorney Nancy Cavey talks everything Mutual of Omaha and your disability policy.

Show Title: Episode 11: What You Need To Know As A Mutual Of Omaha Long Term Disability Policy Holder

In this episode - you will learn about :

• How Mutual Of Omaha Uses Discretionary Clauses To Deny Or Terminate Claims
• Mutual of Omaha's Objective Testing & Policy Limitations Used To Deny Claims
• How Mutual Of Omaha Attempts To Mis-classify Your Occupation To Deny Benefits

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this week's episode - Nationwide Long Term ERISA Disability attorney Nancy L. Cavey talks about What You Need To Know About How Disability Insurance Carriers Handle Breast Cancer Disability Claims.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this weeks podcast - Nationwide Long Term Disability ERISA Attorney Nancy Cavey talks about Elimination Periods.

Show Title: Episode 9: Learn What An Elimination Period Is In A Long-Term Disability Insurance Policy & How It Can Destroy Your Claim. Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

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Episode 8: In this week's episode - learn from Nationwide Long Term Disability and ERISA Attorney Nancy L. Cavey about How Disability Insurance Carriers Take Advantage of Their Policy Holders and the Preexisting Condition Exclusion.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this weeks episode of Winning Isn't Easy - Nationwide Long Term ERISA Disability Attorney Nancy L. Cavey talks to us about How ERISA Offsets For Social Security Disability Benefits Can Destroy The Value Of An ERISA Disability Policy!

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

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In Episode 6 of Winning Isn't Easy, Learn from Nationwide Long Term Disability Attorney Nancy L. Cavey about how provisions can flat out ruin the value of your long term disability claim. 

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

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SHOW INFO: 7 Things Disability Policyholders Need To Know About ERISA Welfare Benefits. Also, What The Disability Insurance Carriers Are Really Looking For When They Request You To Fill Out Activity Of Daily Living (ADL) Forms.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Winning Isn't Easy Episode 4 Talks about What Should You Do If Your STD Claim Has Been Denied Or Cut Off Before You've Been Paid All Of Your Benefits?

Resources Mentioned In This Episode:LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Nationwide Long Term Disability ERISA Attorney Nancy L. Cavey talks about the 8 things you need to know before you stop working and apply for Short Term Disability benefits.  Find out about the unwritten truths about short term disability claims.

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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In this weeks episode, Nationwide Long Term Disability and IDI Policy Attorney Nancy L. Cavey talks about the differences between group and IDI disability policies. 

Resources Mentioned In This Episode:

LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!

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Our debut episode explores the world of Long Term Disability and ERISA claims by Nationwide ERISA LTD Attorney Nancy L. Cavey. Nancy shares her personal story about her father and why she became a disability attorney in the first place. We also share the beginning facts about Long Term Disability claims.

Resources Mentioned In This Episode:LINK TO ROBBED: https://caveylaw.com/get-free-reports/get-disability-book/

LINK TO PROFESSIONAL BOOK: 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 free to reach out to use for a FREE consultation. Just mention you listened to our Podcast!

Review like and give us a thumbs up! We love to see your feedback about our Podcast!