Claim OwnershipWinning Isn't Easy: Long-Term Disability ERISA Claims
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© 2026 Winning Isn't Easy: Long-Term Disability ERISA Claims
Description
Nancy L. Cavey, a seasoned attorney with over thirty-nine 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 MetLife) use to hinder or deny your claim, including independent medical evaluations, surveillance, and arbitrary and capricious arguments downplaying the nature of your disability.
- Insights, overviews, and claimant stories regarding disease-specific content (ranging from commonplace ailments such as workplace injuries or accidents, to difficult to diagnose illnesses such as Fibromyalgia, Multiple Sclerosis, and POTS).
- Pertinent news happening in the disability world, and
- Much, much more.
Each episode of our podcast Winning Isn't Easy will expose you to invaluable tips and tricks for surviving the disability claims process (a system that is often wrought with pressures and pitfalls designed to encourage you to give up the benefits you rightfully deserve). As host, Nancy will often be joined by guest speakers who themselves are industry experts, ranging from lawyers specializing in related fields and doctors focusing on the diagnosis and treatment of specific diseases, to our associate attorney Krysti Monaco.
In her late teens, Nancy's father was diagnosed with leukemia. As someone who witnessed firsthand the devastating emotional and financial impact on both individual and family that being disabled and filing for benefits can have, Nancy is not just an attorney, but an empathetic presence who understands what you are going through.
Do not let disability insurance carriers rob you of your peace of mind. As a nationwide practice, The Law Office of Nancy L. Cavey may be able to help you get the disability benefits you deserve, regardless of where in the United States you reside. Remember - let Cavey Law be the bridge to your benefits.
Check out the links below to engage with us elsewhere:
Website - https://caveylaw.com/
YouTube - https://www.youtube.com/user/CaveyLaw
202 Episodes
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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 6, Episode 6 of Winning Isn't Easy. In this episode, we'll dive into The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim. Securing ERISA Long-Term Disability benefits often hinges on a hidden danger: the ongoing proof required to keep them. Insurers don’t just assess whether a condition exists - they look f...
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 6, Episode 5 of Winning Isn't Easy. In this episode, we'll dive into The Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims. Understanding how cognitive and reading challenges show up in real work settings can determine whether a disability claim is fairly evaluated or misunderstood. Too often, Long-Term Disa...
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 6, Episode 4 of Winning Isn't Easy. In this episode, we'll dive into Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim. Understanding how vocational evaluators fit into the ERISA disability process can be the difference between securing the Long-Term Disability benefits you paid for and having your claim...
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 6, Episode 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment. ERISA disability claims often raise more questions than answers, and the way those questions are resolved can directly determine whether benefits are approved, delayed, or denied. Claimants are f...
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 6, Episode 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of Why Most Social Security Claims Matter to Your ERISA Disability Case. Most people don’t realize how much their Social Security disability claim can shape the outcome of an ERISA Long-Term Disability case. While these are technically separate systems, ERISA carriers rely ...
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 6, Episode 1 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of The Gold in Your Social Security File: How Disability Carriers Use It Against You. Most people assume Social Security Disability and ERISA Long-Term Disability benefits operate independently. While they are separate systems, what happens in one can significantly affect t...
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 5, Episode 43 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Living Well With POTS: A Conversation With Nutritionist and Advocate Jill Brook." Most people hear POTS or dysautonomia and assume they’re rare, poorly understood conditions with few treatment options. For patients living with them, however, the reality is far more com...
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 5, Episode 42 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Winning Disability Claims: Lessons From Denials, Appeals, and Carrier Games." Most workers assume an ERISA disability claim is straightforward - that if a medical condition keeps you from working, your insurer will pay. But under ERISA, benefits hinge on far more than ...
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 5, Episode 41 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "When Policy Limits Collide - Navigating Mental Nervous and Musculoskeletal Conditions in Long-Term Disability Claims." Most people think a Long-Term Disability claim is decided by the diagnosis alone - that if you’re struggling with a mental health condition, chronic p...
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 5, Episode 40 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Navigating ERISA Disability Claims While Incarcerated." Most people assume ERISA disability benefits work the way they should: if you’re disabled and can’t work, your insurer will keep paying. But incarceration complicates everything. Insurers don’t just review your di...
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 5, Episode 39 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Inside Disability Law: Insights and Lessons with Attorney Kate MacKinnon." Most disability applicants think the claims process should be simple: you’re sick, you can’t work, and benefits should follow. But ERISA disability claims are full of misconceptions, hidden pitf...
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 5, Episode 38 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Beyond the Surface: Understanding Soft Tissue Conditions and Disability Claims." Most people think proving a soft tissue injury should be simple - pain is pain, right? But in Long-Term Disability claims, carriers see it differently. Conditions like chronic back strains...
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 5, Episode 37 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Own Occupation vs Any Occupation: Breaking Down Disability Claim Stages." Most people think that winning an ERISA disability claim comes down to proving you’re sick or injured enough to stop working. But that’s only half the battle. The real fight often happens on the ...
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 5, Episode 36 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Frozen, Torn, or Unstable: Proving Shoulder Disability Claims." Most people think that getting disability benefits for shoulder problems is as simple as showing medical proof - MRI results, surgical records, or doctor’s notes about your pain and limited motion. But whe...
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 5, Episode 35 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Hidden Role of Job Skills in Winning (or Losing) Your ERISA Disability Claim." Most people think that winning a Long-Term Disability claim is all about proving you’re sick or injured, with medical records, doctor’s notes, or diagnostic tests. But in ERISA claims, t...
1Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode. Welcome to Season 5, Episode 34 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Breast Cancer and Disability - Understanding the Condition, Its Impact, and Your Claim." Most people assume that a breast cancer diagnosis automatically guarantees Long-Term Disability benefits, but in ERISA claims, it’s rarely that simple. Insurance companies often do...
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 5, Episode 33 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "From Canes to Tech: Proving Disability with Assistive Devices." Most people assume that using a cane, walker, or wheelchair automatically proves disability - but in ERISA claims, it’s rarely that simple. Insurance carriers don’t approve benefits just because you use an...
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 5, Episode 32 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability Claims: Your Questions About the Medical Side, Answered." Most people assume proving disability is as simple as saying, “I can’t work.” But in ERISA claims, the medical side is where cases are often won - or lost. A diagnosis or doctor’s note isn’t enough. C...
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 5, Episode 31 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability Law, Explained: Tackling Your Most Pressing Questions." Most people assume disability insurance and ERISA benefits will protect them when they can’t work. But the reality is often far more complicated. In this episode of Winning Isn’t Easy, we’re tackling th...
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 5, Episode 30 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Getting Long-Term Disability Benefits for Stevens-Johnson Syndrome." Most people expect Long-Term Disability insurance to step in when illness or injury prevents them from working. But for those living with the aftermath of Stevens-Johnson Syndrome (SJS), the reality i...
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