Nancy L. Cavey

Winning Isn't Easy: Long-Term Disability ®

Education EN ↓ 220 episodes

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...

Author

Nancy L. Cavey

Episodes

Insurance Carrier Spotlight - Reliance Standard 14.02.2023 34:57

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Winning Isn't Easy, the podcast that dives into the complex world of disability insurance claims and legal battles. In Season 3, Episode 2, nationwide Long-Term Disability attorney Nancy L. Cavey discusses the challenges of dealing with a disability insurance carrier ca...

Hot Topics in Short-Term Disability and Long-Term Disability, P1 07.02.2023 17:56

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. In this Episode of Winning Isn't Easy, Nationwide Long-Term ERISA attorney Nancy L. Cavey talks about some hot topics in the ERISA Long-Term Disability world that are trending right now. Listen in. Winning Isn't Easy is a podcast dedicated to exploring the complexities of the...

How to Hire an Attorney for ERISA Long-Term Disability Claims 20.12.2022 33:00

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about how to hire an attorney for you ERISA Long-Term Disability claim. You might think the process would be easy o...

Occupational Factors That Disability Insurance Carriers Consider When Applicants Apply for Disability – Exploring Verifiable Occupational Duties and Professional Licenses 14.12.2022 15:33

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. In this week's episode, listen in as nationwide ERISA Long-Term Disability attorney Nancy L. Cavey talks about the occupational factors that disability insurance carriers consider when applicants apply for disability. Specifically, Nancy will discuss what verifiable occupational d...

How Social Security and Long-Term Disability Claims Interact 06.12.2022 22:55

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the interaction between Social Security Disability and Long-Term Disability insurance and claims. While they...

Understanding the Standard of Review - Why It Matters in Your ERISA Long-Term Disability Claim 29.11.2022 22:25

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the standard of review. The standard of review is comprised of one of two options - arbitrary and capricious,...

More on ME / CFS and Fibromyalgia - Plus, How Carriers Misuse Policy Clauses 22.11.2022 15:27

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking more about Myalgic Encephalomyelitis / Chronic Fatigue Syndrome (aka ME / CFS) and Fibromyalgia. Additionally, we&a...

Long-Term Disability Claims Based on Shoulder Problems - Impingements, Torn Tendons / Rotator Cuffs, Bone Spurs, Bursitis, and Post-Surgical Musculoskeletal Disorders 15.11.2022 29:31

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the many disabling conditions that disability insurance carriers broadly classify as "shoulder problems&...

The Crossroads Between ERISA Disability and Life Insurance Claims 08.11.2022 21:16

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the crossroads between ERISA Disability and Life Insurance claims. We'll cover their similarities, diffe...

UNUM’s past Claims Handling - How It Can Inform You of the Tactics They Will Continue to Use in the Future 01.11.2022 19:50

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about UNUM's past claims handling, and how it can inform you of tactics they will continue to use in future cl...

How Disability Carriers Cherry-Pick Claims for Denial Justifications 18.10.2022 33:01

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about disability insurance carriers, and their tendency to cherry-pick claims for reasons to issue a denial. Regard...

More on ME / CFS and Fibromyalgia - Meeting the Onerous Elimination Period in Your Policy, and the Lengths Carriers Will Go to in Order to Deny Your Claim 04.10.2022 26:19

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking more about ME / CFS and Fibromyalgia; these two disorders are ripe for discussion, as they are prime examples of il...

Job Status, Situational Factors, and More - What Disability Carriers Do with These to Determine Your Occupation, and How That Can Impact Your Disability Case 22.09.2022 19:41

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about jobs / occupations, and how disability carriers determine them. Ones' job or occupation is a vital facto...

Social Media, Criminal Background Checks, and Unemployment - What Disability Carriers Do with These to Determine Your Occupation, and How That Can Impact Your Disability Case 07.09.2022 20:50

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about jobs / occupations, and how disability carriers determine them. Ones' job or occupation is a vital facto...

How Disability Carriers Evaluate Your Initial Application - Understanding the Three Approaches That Will Be Employed 30.08.2022 24:06

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the initial application stage of a Long-Term Disability claim. Specifically, we will be discussing the three...

UNUM and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know 23.08.2022 16:52

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about UNUM and their claims denial tactics. UNUM, much the same as other disability carriers, tries to sway the tid...

Student Loan Update - How It Impacts Your Disability, with Special Guest Karen Cody-Hopkins 19.08.2022 38:49

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about student loans, disability discharge, and how student loans can impact disability claims. Nancy will be joined...

Aetna and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know 16.08.2022 19:15

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about Aetna and their claims denial tactics. Aetna, much the same as other disability carriers, tries to sway the t...

The Common and Disabling Symptoms of Multiple Sclerosis - What Carriers Are Looking for in Your Medical Records, and What They Will Overlook to Justify a Claims Denial 09.08.2022 19:48

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the common symptoms of Multiple Sclerosis (especially the ones carriers will look for in your medical records...

The Games Carriers Play with Your Social Security and Retirement Benefits 01.08.2022 20:53

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about how disability carriers react to Social Security Disability claims, and how they factor in retirement benefit...

Misrepresentations on Your Disability Enrollment Forms - How They Can Destroy Your Disability Claim 26.07.2022 20:54

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about disability enrollment forms - specifically, we'll be covering what happens if these forms contain misrep...

More on Myalgic Encephalomyelitis / Chronic Fatigue Syndrome (ME / CFS) Disability Claims 19.07.2022 25:53

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking more about Myalgic Encephalomyelitis / Chronic Fatigue Syndrome (ME / CFS). This disabling condition is one we see...

What Every Attorney Needs to Know about Long-Term Disability Insurance - Plus, the Three Ways to Purchase a Disability Plan or Policy 12.07.2022 22:51

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about everything you need to know about Long-Term Disability insurance, especially if you are an attorney. Someone...

Hearing Loss, Tinnitus, and Meniere’s Disease - How Disability Insurance Carriers View These Disability Claims 05.07.2022 28:48

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about disability claims based on conditions of the ear, and conditions impacting hearing. Specifically, we'll...

What Every Physician Needs to Know about Buying Long-Term Disability Insurance Policies - Plus, How This Applies at Any Stage of Their Career 28.06.2022 26:47

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to another episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. On this week's episode, we will be talking about the information every physician needs to know before they purchase a Long-Term Disability insurance policy. I...