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

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...

The Intersection of Long-Term Disability and Personal Finances - Taxability and Overpayments, with Special Guest Larry Weinstein 17.08.2021 24:20

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 the intersection of Long-Term Disability and personal finances. One might think that a winning disability cla...

Filing for Bankruptcy as a Recipient of Disability Benefits - What Long-Term Disability Policyholders Need to Know 17.08.2021 32:30

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 filing for bankruptcy as a disability beneficiary. Being awarded disability benefits may not relieve all of o...

Field Form Mistakes, P2 - The Mistakes Made during a Field Interview That Can Ruin Your Long-Term Disability Claim 10.05.2021 26:07

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 2, Episode 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Field Form Mistakes, P2." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the mistakes made during a f...

Field Form Mistakes, P1 - The Mistakes Made during a Field Interview That Can Ruin Your Long-Term Disability Claim 03.05.2021 23:59

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 2, Episode 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Field Form Mistakes, P1." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the mistakes made during a f...

Parkinson's and Long-Term Disability Claims 19.04.2021 32:59

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 Parkinson's Disease, and how those with Parkinson's should approach their Long-Term Disability clai...

What You Need to Know about ADL Forms - Understanding the Forms That the Disability Insurance Carrier Will Require You to Fill Out, and How They Can Be Used to Deny or Terminate Your Claim for Benefits 22.03.2021 21:37

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 Activity of Daily Living Forms, sometimes referred to as ADL Forms. These forms are meant to be a documentati...

Attending Physician Statements - What an Attending Physician Statement Is, and How It Can Make or Break Your Case from the Start 08.03.2021 19:45

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 Statements, sometimes referred to as Attending Physician Statement Forms, or APS Forms. A...

The Intersections between Disability and Employment Law - Chatting with Special Guest Attorney Marcus Castillo 22.02.2021 27:38

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 intersections between disability and employment law. Disability claims are intrinsically linked to employ...

Work History Forms - What You Need to Know about the Work History Forms the Disability Carrier Sends You during the Application Process 15.02.2021 23:54

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 the work history forms that will be sent to disability policyholders during the course of applying for benefi...

Wills and Estate Planning - Why Those Living with Disability Should Consider Having a Will, and What You Should Know About Estate Planning, Featuring Estate Planning Attorney Autumn Hancock 08.02.2021 33:44

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 realities of living with a disability: specifically, we'll be covering the need for a will, and what...

What You Need to Know about the Long-Term Disability Application Process - The Work History Forms, and the Definition of Your Occupation 01.02.2021 23:54

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 the basics of the Long-Term Disability application process. Specifically, we'll be discussing the work h...

The Impact of Filing for Divorce on the Disability Insurance Benefits Process - Chatting with Special Guest, Attorney Kristina Feher 18.01.2021 32:53

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 the impact of filing for divorce on a disability claim. While it may seem surprising, any major change in fin...