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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Episodes
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...
When Your Disability Insurance Carrier Isn’t a Disability Specialist - What You Need to Know 02.09.2025 19:29
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 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...
Disability and Disputed Illnesses: Navigating Claims Without Full Medical Recognition 26.08.2025 30:16
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 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 t...
Vascular Malformations of the Brain 19.08.2025 20:01
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 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 defe...
Understanding "Own Occupation" Benefits Under ERISA Disability Insurance 12.08.2025 27:33
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 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...
Short-Term Disability and Pregnancy: Understanding Your Rights and Benefits 05.08.2025 25:35
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 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 leas...
Hidradenitis Suppurativa 29.07.2025 27:17
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 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. Cave...
Medical Residents and Disability Insurance 24.06.2025 23:34
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 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...
Living with a Voice Disorder: Sue Payne on Spasmodic Dysphonia, the Disability Process, and Finding New Purpose 17.06.2025 45:03
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 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? Th...
Applying for a Disability Insurance Policy 10.06.2025 26:32
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 d...
Questions About Disability Insurance, Policies, and Claims 03.06.2025 30:14
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 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,...
Understanding CPET Examinations with Guest Dr. Betsy Keller 27.05.2025 50:57
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 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 fibromya...
Should Your Workers’ Compensation Records Be Part of Your ERISA Disability Carrier’s File 20.05.2025 29:32
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 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 s...
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