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...

Be sure to visit the podcast's website and support the creator: CaveyLaw.com

Author

Nancy L. Cavey

Episodes

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...

Adequate Proof of Loss - What You Need to Know about Providing Your Disability Insurance Carrier with Adequate Proof of Loss 11.01.2021 43:09

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 adequate proof of loss, and the importance of providing this information to the disability carrier. In the ca...

Why You Need to Know What Is in Your Disability Policy - Knowing Your Policy before You Stop Working and Apply for Benefits 04.01.2021 16:55

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 importance of knowing the content of your disability policy, especially before taking the drastic step of...

The Difference in the Standard of Disability between Social Security Disability Claims and Long-Term Disability Insurance Policies 28.12.2020 25:29

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 some of the differences between Social Security Disability and Long-Term Disability. While they do share some...

The Importance of the Individual Definitions of Terms in an ERISA Long-Term Disability Insurance Policy 21.12.2020 30:06

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 definitions of common terms you will encounter in a Long-Term Disability policy, or during the course of...

The Games That Disability Insurance Carriers Will Play Concerning the Last Day a Policyholder Was at Work When Trying to Avoid Paying Their Disability Benefits 15.12.2020 29:08

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 last day worked, and how that date can impact a disability claim. You might not think something as minusc...

What You Need to Know about Long-Term Disability Policy Riders - How They Can Enhance Your Policy 07.12.2020 23:33

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 Long-Term Disability policy riders, and how they can personalize or enhance policies. Riders - optional provi...

Diabetes - The Evaluation Process Disability Insurance Carriers Use in Every Diabetes Long-Term Disability Claim for Benefits 30.11.2020 27:02

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 Diabetes, and Long-Term Disability claims for Diabetes. As there are different levels of severity, onset trig...

Mental / Nervous Policy Limitations - How Disability Insurance Carriers Will Use Mental / Nervous Policy Limitations to Limit the Payment of Benefits 23.11.2020 23:20

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 mental / nervous condition limitations. Mental / nervous condition limitations are sneaky tricks often nestle...

Liberty Mutual - The Games Liberty Mutual Will Play When Trying to Deny a Long-Term Disability Policyholder’s Claim 16.11.2020 22:45

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 Liberty Mutual, and the games and tricks this carrier plays in order to deny legitimate claims. Liberty Mutua...

Mutual of Omaha - What You Need to Know as a Mutual of Omaha Long-Term Disability Policyholder 09.11.2020 24:35

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 Mutual of Omaha, and the games and tricks this carrier plays in order to deny legitimate claims. Mutual of Om...

Breast Cancer - What You Need to Know about How Disability Insurance Carriers Handle Breast Cancer Disability Claims 02.11.2020 36:59

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 breast cancer, and how disability insurance carriers handle breast cancer disability claims. Being diagnosed...

Elimination Periods - What an Elimination Period Is in a Long-Term Disability Insurance Policy, and How It Can Destroy Your Claim 26.10.2020 16:47

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 elimination periods, what they are, and how they can destroy a claim for disability benefits. Generally speak...

How Disability Insurance Carriers Take Advantage of Their Policyholders and the Preexisting Condition Exclusion 19.10.2020 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 the various ways in which disability insurance carriers take advantage of their policyholders, including what...