Nancy L. Cavey
Winning Isn't Easy: Long-Term Disability ®
Nancy L. Cavey, a seasoned attorney with over forty years of experience, explains the complex world of filing for Long-Term Disability benefits. Filing for disability can be a confusing, life changing event, so with her deft expertise, Nancy will guide you through: - The ins-and-outs of ERISA (the Employee Retirement Income Security Act), which governs group Long-Term Disability claims. - Information regarding the process and lifespan of a claim, from the initial application to the request for hearing stages. - Traps and tactics disability carriers (such as Unum, The Hartford, Lincoln, and Met...
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When Carriers Weaponize Diagnoses 31.03.2026 27:36
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 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...
Technicalities, Traps, and Missed Deadlines 24.03.2026 28:40
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 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 requ...
Long COVID and ERISA Disability: Avoiding Denials and Proving Your Claim 17.03.2026 24:03
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 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 funct...
Pre-Existing Conditions and Cooperation Clauses: The Hidden Minefields in Long-Term Disability Policies 10.03.2026 24:18
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 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 notic...
Fighting for Fairness: Navigating ERISA Disability Claims for Rare Disorders 03.03.2026 25:31
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 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 challe...
The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim 24.02.2026 23:06
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 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 Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims 17.02.2026 41:05
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 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 setti...
Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim 10.02.2026 27:43
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 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...
ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment 03.02.2026 31:25
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 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 ques...
Why Most Social Security Claims Matter to Your ERISA Disability Case 27.01.2026 31:58
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 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 outco...
The Gold in Your Social Security File: How Disability Carriers Use It Against You 20.01.2026 34:22
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 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 ben...
Living Well With POTS: A Conversation With Nutritionist and Advocate Jill Brook 16.12.2025 32:48
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 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...
Winning Disability Claims: Lessons From Denials, Appeals, and Carrier Games 09.12.2025 30:50
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 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...
When Policy Limits Collide - Navigating Mental Nervous and Musculoskeletal Conditions in Long-Term Disability Claims 02.12.2025 27:28
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 Dis...
Navigating ERISA Disability Claims While Incarcerated 25.11.2025 19:56
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 ca...
Inside Disability Law: Insights and Lessons with Attorney Kate MacKinnon 18.11.2025 51:33
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...
Beyond the Surface: Understanding Soft Tissue Conditions and Disability Claims 11.11.2025 21:58
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...
Own Occupation vs Any Occupation: Breaking Down Disability Claim Stages 04.11.2025 30:19
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...
Frozen, Torn, or Unstable: Proving Shoulder Disability Claims 28.10.2025 27:55
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...
The Hidden Role of Job Skills in Winning (or Losing) Your ERISA Disability Claim 21.10.2025 23:12
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 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 ab...
Breast Cancer and Disability - Understanding the Condition, Its Impact, and Your Claim 14.10.2025 28:42
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...
From Canes to Tech: Proving Disability with Assistive Devices 07.10.2025 18:47
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 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 disabil...
Disability Claims: Your Questions About the Medical Side, Answered 30.09.2025 32:10
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 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 i...
Disability Law, Explained: Tackling Your Most Pressing Questions 23.09.2025 19:01
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 the...
Getting Long-Term Disability Benefits for Stevens-Johnson Syndrome 09.09.2025 31:14
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 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...
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