Nancy L. Cavey

Winning Isn't Easy: Long-Term Disability ®

Education EN ↓ 232 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...

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Author

Nancy L. Cavey

Episodes

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...

Hot Topics - Disability Claims and Jobs (What You Need to Consider When You Are Thinking about Quitting Your Job and Applying for Disability, or When You Get a New Job) 21.06.2022 27:39

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, and how they impact disability claims. There are multitudes to consider when applying for disability, a...

What Small Business Owners Need to Know about Applying for Disability Insurance Benefits - Plus, What Not to Do after Winning Your Claim 14.06.2022 17:35

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 claims for small business owners. Do you own a small business, or are you self-employed?...

Disability Claims for Nurses - The Disability Insurance Claims Processes Most Common in a Nurse’s Disability Claim 02.05.2022 22:57

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 nurse-centric Short and Long-Term Disability claims. It is important to acknowledge that nurses are the backb...

The Pitfalls of Social Media - Understanding the Impact of Social Media Use on an ERISA Long-Term Disability Claim 31.03.2022 16:22

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 impact of social media use on a disability claim. While you might think your social media use is innocuou...

Functional Capacity Evaluations - The Impact They Can Have on Your Disability Claim 27.01.2022 28:31

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 functional capacity evaluations, and how they factor into disability claims. Functional capacity evaluations,...

The Importance of Attending Physician Statement Forms - Understanding the Role of These Forms in Your Long-Term Disability Insurance Claim 10.01.2022 26:11

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 attending physician statement forms, and their role in Long-Term Disability claims. During the process of a c...

United of Omaha and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know 15.11.2021 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 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 United of Omaha and their claims denial tactics. United of Omaha, much the same as other disability carriers,...

Fibromyalgia and Your Long-Term Disability Claim 08.11.2021 31:36

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 Fibromyalgia, a chronic disorder causing pain, fatigue, and trouble sleeping. Fibromyalgia is a disorder our...

How Much Are You Going to Be Entitled To - Understanding Payment / Compensation When Filing a Claim for Long-Term Disability Benefits 01.11.2021 21:20

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 payment / compensation for Long-Term Disability claims. Before stopping work, or applying for benefits, you m...

MetLife and Their Claims Denial Tactics - What Disability Insurance Policyholders Need to Know 25.10.2021 19:30

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 MetLife and their claims denial tactics. MetLife, much the same as other disability carriers, tries to sway t...

Medical Records and Your Attending Physician Statement Forms - How the Contents of Your Medical Records, and Your Attending Physician Statement Forms, Can Be Used by the Disability Insurance Carrier to Deny Your Claim 11.10.2021 27:37

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 medical records and attending physician statement forms. These documents are double-edged swords: while they...

All about ME / CFS Claims - The Common Reasons These Disability Insurance Claims Get Denied, How the Carrier Reacts to These Claims, and How the Mishandling of These Claims Can Inform the Future of Long-Term COVID-19 Disability Claims 05.10.2021 39:18

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 ME / CFS, and ME / CFS disability claims. Myalgic Encephalomyelitis (ME), also known as Chronic Fatigue Syndr...

What You Need to Know as a Prudential Disability Insurance Policyholder 13.09.2021 20:15

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 Prudential, and the games and tricks this carrier plays in order to deny legitimate claims. Prudential, while...