Welcome to Season 4, Episode 18 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Interaction between You, Your Doctor, and the Disability Carrier in Your ERISA Claim." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the interaction between you, your doctor, and the disability carrier in your ERISA claim. There are many players present during the course of an ERISA claim, both major and bit; you ...

Welcome to Season 4, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Having a Life When You Are Collecting Long-Term Disability." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses how you can maintain some semblance of your lifestyle while pursuing Long-Term Disability. Disability carriers have the misconception that a policyholder who is struggling with an illness, stops working, or is se...

Welcome to Season 4, Episode 16 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Lincoln." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses Lincoln, also known as Lincoln Financial, one of the oldest and largest insurance companies in the United States. While Lincoln is well known for boasting about their fundamentals of integrity, just like other insurance companies, they are out to protect their bo...

Welcome to Season 4, Episode 15 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "An Overview of Social Security Disability, P2." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses an overview of, and answers more questions relating to, Social Security Disability. While the process of applying for Long-Term or Short-Term Disability might share similarities with the process of applying for Social Securit...

Welcome to Season 4, Episode 14 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Tips and Tricks When Filing Your ERISA Disability Claim." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses some tips and tricks anyone suffering from a disability needs to follow when they decide to file an ERISA disability claim. Filing a claim for ERISA disability benefits can be confusing and frustrating; you might fe...

Welcome to Season 4, Episode 13 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "An Overview of Social Security Disability, P1." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses an overview of, and answers general questions relating to, Social Security Disability. While the process of applying for Long-Term or Short-Term Disability might share similarities with the process of applying for Social Secu...

Welcome to Season 4, Episode 12 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Getting Notice to the Disability Carrier." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the process of getting notice to the disability carrier. Starting out is often the most daunting step of any task, but it is one that has to be taken to achieve a goal or result; the same goes for filing for disability. The disabi...

Welcome to Season 4, Episode 11 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Migraine."  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses chronic headache and migraine claims. While commonplace, headaches and migraines can be severe enough to be disabling. Disability carriers will fight tooth and nail to prevent policyholders with migraines from receiving disability benefits. Because migraines are often...

Welcome to Season 4, Episode 10 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Tools in the Disability Carrier's Claim Denial Toolbox"  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the various tools disability carriers will use to deny your claim. As you live your life during the process of your disability claim, disability carriers will use every trick in the book to attempt justifying a claim's...

Welcome to Season 4, Episode 9 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "UNUM Cases Throughout the United States."  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses UNUM, one of the disability world's most prominent carriers. UNUM, much like its competitors, does not make it easy for disability policyholders to get the benefits they paid for, and deserve. In this episode of Winning Isn't Easy, host...

Welcome to Season 4, Episode 8 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Postural Orthostatic Tachycardia Syndrome".  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses Postural Orthostatic Tachycardia Syndrome, also known acronymically as POTS. POTS, as a disorder, can be incredibly hard to diagnose and treat, and, yet, can also be potentially disabling. Disability carriers hate claims based on...

Welcome to Season 4, Episode 7 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Regular Care of a Doctor".  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the importance of receiving the regular care of a doctor or medical specialist before, during, and after the course of your disability claim. Disability carriers will capitalize on any inconsistencies in order to deny a claim - one of their most common...

Welcome to Season 4, Episode 6 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Determining the Worth of a Long-Term Disability Claim".  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses how the value of a Long-Term Disability claim is determined. The answer to this question - one of the most frequently asked - is comprised of many moving parts and complexities. One might think it is as simple as multiplying...

Welcome to Season 4, Episode 5 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Full and Fair Review - Statutory Obligation". Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses ERISA's saving grace - a claim regulation stating that any denied policyholder or plan beneficiary must be given the right to a full and fair review during the claim examination process. Regardless of a policyholder's purported right to...

Welcome to Season 4, Episode 4 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Multiple Sclerosis". Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the intricacies of a Multiple Sclerosis diagnosis, and how to navigate a disability claim with a disorder that disability carriers often misunderstand. Carriers are not in the business of giving payouts - they care more about their bottom dollar (i.e. making a...

Welcome to Season 4, Episode 3 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Surveillance".  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses how disability carriers aggressively employ surveillance at every stage of a claim in order to find any reason to justify a claims denial. It does not matter the severity of your disability - carriers will often videotape you, contact you repeatedly by phone, or use...

Welcome to Season 4, Episode 2 of "Winning Isn't Easy."  In this episode, we dive into the complicated topic of "Offsets and IRA and Your Long Term Disability Claim".  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the impact of the receipt of "other income benefits" and whether those benefits will reduce the amount of your monthly Long Term Disability benefits. Whether you're a claimant or simply seeking valuable insights into the...

Welcome to Season 4, Episode 1 of "Winning Isn't Easy." In this episode, we dive into the crucial topic of "Medical Proof and Long Term Disability Claims."  Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the essential role of medical evidence in securing long-term disability benefits. Tune in as she breaks down the importance of proper documentation, the types of medical proof needed, and how to navigate the complexities of the claims...

Welcome to Season 3, Episode 41 of "Winning Isn't Easy"! 🎙️ In this enlightening episode, your host, Nancy L. Cavey, is joined by a special guest, Bankruptcy Attorney Kristina Feher. Together, they delve into the intersection of "Business Bankruptcy and Disability Policies." This is a crucial topic for individuals who may find themselves in financial distress due to business bankruptcy while also relying on disability policies for support. In this episode, you'll explore: 💼 The...

Welcome to Season 3, Episode 40 of "Winning Isn't Easy"! 🎙️ In this insightful episode, your host, Nancy L. Cavey, continues her exploration of "Neuropathic Disorders, Disorders Causing Pain, or Neuropathic Pain, Part 2." Neuropathic disorders can be extremely challenging to deal with, particularly due to the pain and discomfort they bring. Understanding how these disorders relate to disability claims is crucial. In this episode, you'll gain a deeper understanding of: 🩺 Various neuropathic...

Welcome to Season 3, Episode 39 of "Winning Isn't Easy"! 🎙️ In this enlightening episode, your host, Nancy L. Cavey, continues to explore the intricacies of ERISA (Employee Retirement Income Security Act) Disability Claims, with a specific focus on multiple sclerosis (MS). In this episode, you'll discover: 🔍 A deeper dive into the unique challenges and considerations when pursuing ERISA disability claims related to MS. 📋 The importance of comprehensive medical documentation and evidence in...

Welcome to Season 3, Episode 38 of "Winning Isn't Easy"! 🎙️ In this compelling episode, your host, Nancy L. Cavey, delves into the intricate world of "Neuropathic Disorders, Disorders Causing Pain, or Neuropathic Pain, Part 1." Neuropathic disorders can have a profound impact on an individual's life, often causing debilitating pain and discomfort. Understanding how these disorders intersect with disability claims is vital. In this episode, you'll explore: 🩺 An overview of neuropathic...

Welcome to Season 3, Episode 37 of "Winning Isn't Easy"! 🎙️ In this enlightening episode, your host, Nancy L. Cavey, explores the intricate world of "Moyamoya Disease & ERISA Disability Claims." Moyamoya Disease is a rare and complex condition that can have a profound impact on an individual's life, making it essential to understand the intricacies of pursuing disability claims under ERISA (Employee Retirement Income Security Act). In this episode, you'll gain insights into: 🧠 What...

Welcome to Season 3, Episode 36 of "Winning Isn't Easy"! 🎙️ In this enlightening episode, your host, Nancy L. Cavey, delves into the crucial topic of "Disorders Impacting Brain Health in ERISA Disability Claims." Brain-related disorders can significantly impact an individual's ability to work and lead a fulfilling life. Understanding how to navigate ERISA (Employee Retirement Income Security Act) disability claims involving these conditions is paramount. In this episode, you'll discover: 🧠...