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

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...

How ERISA Offsets for Social Security Disability Benefits Can Destroy the Value of an ERISA Disability Policy 12.10.2020 24:42

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 offsets, and how they can impact the value of a claim. Offsets are other monetary awards / judgements / incom...

Offset Provisions - How Offset Provisions Can Ruin the Value of Your Long-Term Disability Claim 05.10.2020 35:45

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 offsets, and how they can impact the value of a claim. If and when you are awarded Long-Term Disability benef...

ERISA Welfare Benefits - The Seven Things Disability Policyholders Need to Know about ERISA Welfare Benefits 29.09.2020 32:56

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to 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 ERISA welfare benefits - benefits employers maintain to provide medical benefits for sickness, accidents, dis...

What to Do if Your Short-Term Disability Claim Has Been Denied before You’ve Been Paid 28.09.2020 27:41

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 what to do if your Short-Term Disability claim has been denied before you've been paid. On occasion, cla...

The Unwritten Truths about Short-Term Disability 21.09.2020 25:27

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 about Short-Term Disability, and everything you need to know before you stop working and apply for Short-Term Disab...

The Differences between Group and IDI Policies 15.09.2020 28:18

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 the differences between group and IDI policies. If you're not sure what these terms mean, this is the ep...

Beginning Isn't Easy 13.08.2020 34:14

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to our debut episode of Winning Isn't Easy with your host, nationwide ERISA Disability attorney Nancy L. Cavey. Our podcast will be dedicated to exploring the world of Long-Term Disability and ERISA claims. On this week's episode, Nancy shares a personal story about h...