Podcasts about long term disability

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 22 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Living with a Voice Disorder: Sue Payne on Spasmodic Dysphonia, the Disability Process, and Finding New Purpose."Thinking your voice doesn't matter? Think again. In this powerful episode, disability law expert Nancy L. Cavey sits down with advocate and community leader Sue Payne - a Board Member of Dysphonia International and a force for change in the voice disorder community. Diagnosed with spasmodic dysphonia and cervical dystonia in 2017, Sue's life took a turn she never expected. But rather than retreat, she stepped up. With a background in public health, education, and corporate leadership, Sue shares how she navigated the loss of her literal voice - and the identity shifts that came with it. From applying for Long-Term Disability to organizing Walk for Talk events, mentoring others, and pushing for awareness and research, Sue offers a deeply personal look at what it means to turn a medical challenge into a mission. We explore what it's like to advocate for yourself in a system that doesn't always understand, how to find community when your voice feels silenced, and what real resilience looks like. Whether you're living with a chronic condition, facing a disability claim, or just in need of some perspective, Sue's story is a reminder: losing your voice doesn't mean losing your power. Let's dive in.In this episode, we'll cover the following topics:One - Sue's Story and Advocacy WorkTwo - Living With Spasmodic Dysphonia and Cervical DystoniaThree - Long-Term Disability and Life Beyond WorkWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 21 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Applying for a Disability Insurance Policy."Thinking about applying for disability insurance? Before you check a box or sign on the dotted line, join disability law expert Nancy L. Cavey for a deep dive into the often-overlooked first step in protecting your income: the application process. In this episode, Nancy breaks down why disability insurance is so important - especially for professionals, business owners, and anyone planning for life's what-ifs - and what really happens when you apply. We cover the essentials: What's under the hood of an application? What medical or occupational info matters most? And what are the red flags that could trigger a denial - or follow you to future applications? Nancy explains how to avoid the most common and costly mistakes, how insurers evaluate risk, and how to protect your insurability now and later. Whether you're new to disability insurance, in the middle of applying, or trying to recover from a denial, this episode is your practical guide to starting smart. Because getting covered is more than just paperwork - it's the first step in securing your financial future. Let's get started.In this episode, we'll cover the following topics:One - What Are the Six Common Reasons an Application for Disability Insurance Coverage Is Denied by Disability Carriers?Two - How Can a Disability Carrier's Refusal to Offer You a Disability Policy Impact Your Ability to Find Disability or Life Insurance?Three - What Are the Three Types of Underwriting in Issuing an Individual Disability Insurance Policy, and Why Does It Make a Difference to You?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 20 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Questions About Disability Insurance, Policies, and Claims."What do you really need to know about disability insurance, policies, and claims – before, during, and after you file? In this episode, disability law expert Nancy L. Cavey answers key questions about how disability insurance works, what your policy actually covers, and why valid claims still get denied. We cover the essentials: Should you supplement your Short-Term Disability? What if you're not seeing the right kind of doctor? And how can you protect your claim from the start? Nancy also answers listener questions about Long-Term Disability appeals, rare or misunderstood conditions, and how to advocate for yourself when symptoms aren't easy to document. This isn't just about fine print - it's about real strategies for real people navigating a complicated system. Whether you're in the middle of a claim, planning ahead, or just trying to understand the process, this episode is your guide to making sense of disability insurance. Let's get started.In this episode, we'll cover the following topics:One - Should I Get Flex DI Insurance to Supplement My Short-Term Disability Benefits?Two - Can a Disability Insurance Carrier Rightfully Deny a Claim if You Don't Treat With a Specialist?Three - Listener-Submitted QuestionsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 19 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding CPET Examinations with Guest Dr. Betsy Keller."What if one test could offer the hard proof patients with ME/CFS, Long COVID, and fibromyalgia have been waiting for? Join disability law expert Nancy L. Cavey as she dives into one of the most important – and misunderstood – tools in chronic illness advocacy today: Cardiopulmonary Exercise Testing, or CPET. Often overlooked or mischaracterized, CPET isn't just another stress test. It's a scientifically rigorous way to measure functional limitations that traditional tests often miss. In this episode, Nancy is joined by Dr. Betsy Keller, a nationally recognized leader in exercise science and a pioneer in using CPET to support patients in both medical and legal arenas. Together, they break down what CPET is, how it works, and why it's gaining traction in disability claims – especially for those whose conditions have long been doubted or dismissed. But CPET isn't without controversy. We'll explore how insurers evaluate these tests, what makes a CPET legally credible, and the ethical challenges of asking chronically ill patients to push their limits in pursuit of validation. This is more than a medical deep dive – it's a critical conversation about science, strategy, and the fight to have invisible illnesses taken seriously in the eyes of the law. Don't miss it.If you'd like to follow along with slides mentioned in this episode, follow this link: https://www.youtube.com/watch?v=NrZiDVo3W8QIn this episode, we'll cover the following topics:One - Introduction to and Foundations of CPETTwo - CPET in the Context of Long-Term DisabilityThree - Best Practices and AdviceWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 18 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Should Your Workers' Compensation Records Be Part of Your ERISA Disability Carrier's File."What seems like a routine paperwork decision could quietly sabotage your ERISA Long-Term Disability claim. Join attorney Nancy L. Cavey, a nationally recognized expert in disability law, as she explores a critical - but often misunderstood - question: should your workers' compensation records be included in your ERISA disability file? It's not just red tape. When both claims stem from the same injury or illness, what goes into your file - and what stays out - can shape the entire outcome of your case. We'll examine how the two systems interact, why adding workers' compensation records might work for you in some cases but backfire in others, and the troubling reality of selective use: when insurers cherry-pick damaging details from your records but leave out the parts that could actually help you. This is one of those behind-the-scenes moves that can define your financial future - and most claimants never see it coming. Tune in to learn how to navigate this legal gray area, avoid common traps, and make informed decisions about what belongs in your disability file.In this episode, we'll cover the following topics:One - The Relationship Between Workers' Compensation and ERISA Disability ClaimsTwo - When Workers' Compensation Records Help or Hurt Your ERISA ClaimThree - The Problem of Selective Omission by Disability CarriersWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 17 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Medical Treatment and Your Long-Term Disability Claim."Join attorney Nancy L. Cavey, a leading expert in disability claims, for a revealing conversation about three critical - and often underestimated - medical treatment issues that can make or break your Long-Term Disability case. Whether you're applying for coverage, actively filing a claim, or facing a denial, these overlooked factors can have serious consequences for your financial future. In today's episode, we'll explore why your disability application may be your biggest legal vulnerability, how “independent” medical evaluations are often anything but - especially with subjective conditions - and the surprising reality that insurance companies don't need to match medical specialties when denying your claim. These behind-the-scenes tactics derail countless legitimate claims, but with the right knowledge, you can protect yourself. We'll show you what to watch for, how to respond, and how to strengthen your case from the start. Let's get into it.In this episode, we'll cover the following topics:One - Lessons Learned About Applying for Disability Insurance: Why Your Pre-Existing or Asymptomatic Conditions MatterTwo - Not-So-Independent Medical Evaluation by Lincoln National Dooms Policyholder's Fibromyalgia ClaimThree - Do ERISA Regulations Require a Reviewing Physician to Match Your Treating Doctor's Specialty?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 16 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Navigating Claims With Charcot-Marie-Tooth Disease (CMT)."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an eye-opening discussion on a frequently misunderstood condition with major implications for long-term disability benefits: Charcot-Marie-Tooth disease, or CMT. If you haven't heard of CMT, you're not alone. Though it's one of the most common inherited neurological disorders, it's often overlooked - especially in disability evaluations. That oversight can cost you the benefits you need. In today's episode, we'll break down what CMT is, how it progresses, and why it can be more disabling than people - including insurance companies - realize. From muscle weakness and balance issues to pain and fatigue, we'll explore how to document your condition effectively and meet insurer expectations. You'll learn how CMT interacts with disability policy standards, what evidence to submit, and how to avoid the most common claim mistakes. Whether you're applying, appealing, or just exploring your options, this episode is packed with strategies to protect your financial future. Let's get into it.In this episode, we'll cover the following topics:One - Understanding Charcot-Marie-Tooth DiseaseTwo - Challenges in Proving Disability with Charcot-Marie-Tooth DiseaseThree - Best Practices for Long-Term Disability Claims Involving Charcot-Marie-Tooth DiseaseWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin and his guest, Jennifer Pack, RIMS 2025 Risk Manager of the Year, discuss her career and achievements, including Hyatt's VP of Risk Management. Jennifer describes how her membership in the RIMS Chicago Chapter and service on the Board impacted her career.   Jennifer helped align Hyatt's risk strategies with its evolving business model to ensure resilience in today's complex environment. Leading nearly 40 professionals, Jennifer's leadership and innovative risk solutions have helped strengthen Hyatt's risk management framework, to proactively identify risks and develop strategies to address them. Jennifer successfully redesigned and centralized Hyatt's Short-Term, Long-Term Disability, and Workers' Compensation programs, reducing manual processing by up to 80,000 hours, improving compliance, and reducing legal exposure. It is linked to millions of dollars in savings. Under her leadership, Hyatt's risk management team is overhauling Hyatt Hotels' fire safety with the first-of-its-kind Fire Life Safety Compliance and Governance Program, setting a standard for the organization and industry. The initiative includes the implementation of new technology, as well as auditing the 1,450 Hyatt hotels in 79 countries. Jennifer is a beloved mentor who has had an impact on many careers. She continues to demonstrate her commitment to advancing the risk management profession as an active member of the RIMS Chicago Chapter.   Jennifer's innovations may inspire your work for your organization's ERM program. Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. It is one of my favorite episodes to produce, with the Risk Manager of the Year. This year's honoree is Jennifer Pack, Hyatt's Vice President of Risk Management. We will talk about her success in ERM, captives, and more. [:48] RIMS-CRMP Workshops! RIMS is co-hosting an intensive four-day program which is your gateway to achieving two prestigious certifications, the DRI Certified Business Continuity Professional (CBCP) and the RIMS Certified Risk Management Professional (RIMS-CRMP). [1:08] This workshop will be held from May 19th through the 22nd in collaboration with DRI International. Links to these courses can be found through the Certification page of RIMS.org and this episode's show notes. [1:23] Virtual Workshops! On June 12th, Pat Saporito will host “Managing Data for ERM” and she will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:40] A link to the full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's show notes. [1:51] We're at RISKWORLD this week but preparations are already underway for the RIMS ERM Conference 2025 on November 17th and 18th in Seattle, Washington. RIMS is accepting educational session submissions through May 20th. [2:08] The best submissions will address current and future challenges facing ERM practitioners as well as provide leading practices and concrete takeaways for a diverse audience of risk professionals from industries or organizations of varied sizes, disciplines, functions, and roles. [2:26] These include officers, leaders, managers, and students. The link to the submission form is in this episode's show notes. [2:35] While you are at RISKWORLD, be sure to take away some inspirado and channel it into an educational session submission for the RIMS ERM Conference 2025. Of course, mark your calendars for November 17th and 18th and I'll be sure to alert you when registration opens. [2:55] The RIMS Risk Manager of the Year Program aims to raise the profile of the risk profession and the outstanding programs the honorees have implemented within their organizations. [3:04] The award was created in 1977 and the Risk Management Honor Roll was added in 1981. The 2025 RIMS Risk Manager of the Year is Jennifer Pack of Hyatt. [3:16] As VP of Risk Management, Jennifer has transformed risk management at Hyatt, embedding a culture that has provided a launchpad for organizational success. Her innovations in captive management also earned her this award. [3:28] Jennifer is a long-standing member of the RIMS Chicago Chapter and an all-around fantastic professional. Her profile will soon appear in the Awards Edition of RIMS Risk Management magazine. [3:40] Jennifer will receive the award on May 5th at 4:00 p.m., on the main stage at RISKWORLD. We're going to get to know her a little bit now. We'll talk ERM, captives, Chicago RIMS, hotel and hospitality, and more. [3:57] Interview! RIMS 2025 Risk Manager of the Year, Jennifer Pack, welcome to RIMScast!  [4:34] Jennifer has been at Hyatt, for going on 18 years. She can stay at any hotel she would like! [5:03] Some people like to leave their jobs every few years for a new company and skills. Jennifer's career at Hyatt has been an adventure! She hasn't been doing the same thing for 18 years. Every couple of years, she gets new roles and responsibilities. She's constantly learning. [5:24] She has a foundation of knowing whom to go to, what the systems are, and how to get things done. There's a base familiarity but with some excitement and learning opportunities. [5:36] If the feeling of being able to learn and grow ever stops, Jennifer will think about leaving. She's enjoying her time. It seems like she's working or a new company all the time. They're transforming. They're changing. The risk landscape is changing. There's never a dull moment. [5:56] Justin feels the same way about working at RIMS! He started as a writer but then got these responsibilities and they took on sort of a life of their own and attracted more of an audience. It's more work, but it's more fun and rewarding. [6:25] Jennifer joined Hyatt in a group called Compliance and Controls. She was hired to set up their Sarbanes-Oxley department. In reaction to the financial crisis after the downfall of Arthur Andersen and Enron, Sarbanes-Oxley was born and Jennifer became an expert on it. [6:58] Jennifer launched that group and then it was moved into Internal Audit where they were exposed to a lot more people and systems. Jennifer had the opportunity to backfill someone in the Risk Management department and never left. She's been in the risk function for 15 years. [7:30] When Jennifer joined the risk group it had seven risk practitioners in the corporate office. There were five or six Occupational Health Managers in the field, helping with Workers' Compensation and occupational safety. There are over 35 full-time members now. [8:09] They've taken on new roles in the 15 years: physical security, business resilience, fire life safety compliance, and other health and safety functions in the company. They could probably use a few more people but they're doing well. [8:38] The risk profile of the company has changed. The geopolitical risk profile of the world has changed. Hyatt's offerings have changed. They used to be mostly business, group, and convention, and now they lean into leisure, travel, and all-inclusive, which have different risks. [9:16] Hyatt has tripled its resort rooms and quintupled its lifestyle rooms since 2017. A lifestyle room is about meeting clientele where they are. Millennials want to travel the world and experience the environment, such as an attached nightclub in Miami or New York. [9:55] They're unconventional hotels with the framework of a well-known brand, where guests have comfort, safety, security, cybersecurity, and loyalty points while feeling like they're in a niche hotel with great and different experiences. It feels like a boutique, attached to the brand. [11:06] Social inflation is a risk. Liability insurance has gone up because claim payouts have gone up tremendously. Claim attorneys are targeting hospitality. [12:12] Hyatt is thinking globally about health, safety, and security, making sure policies are locked down, training is locked down, and people know how to report an incident, and when to report it. How do you de-escalate an incident to win the guest back? [12:36] Saying, “I'm sorry that happened to you. Here are some points. We care about you,” reinforcing that, versus saying, “Let my insurance company deal with it.” That's the last thing we want. If our guests had a bad incident, they had a bad experience. [12:51] Especially if you're traveling on leisure with your family, you want to know that you'll be taken care of. There's an expectation that you're going to be safe and secure. Hyatt wants to make sure to bring the level of care to them that they deserve. [13:07] Hyatt is working on the front end to retrain employees on ramping up safety and security measures and knowing how to respond when an incident happens. [13:18] Then, if it gets into the claims section, the claims management team has new robust processes to manage claims to drive down exposure. On the insurance procurement side, Hyatt is leaning into its captive to take on much higher retention in-house. [14:09] Hyatt is asking leadership in the field to bring education and awareness to the importance of risk management, what's at risk, and what the current legal environment is, and overlay that with wanting to care for people. Hyatt cares about the guest experience. [14:43] This is a macro-level environment. If you have litigation system abuse across the country, what are insurers doing about it? What are brokers doing about it? What are corporations doing about it? [14:56] Jennifer gets with her peers in the hospitality industry, working in their respective associations, to address these issues at the state and federal levels, change laws, and push for tort reform and disclosures of litigation funding. [15:28] Hyatt has partnered with the American Lodging and Hospitality Association and is considering partnering with insurance companies. You can't just hope someone else will take care of the problem. It's a much bigger problem that we all need to address. [16:06] Justin points out that third-party litigation funding is one of the top initiatives and campaigns for RIMS this year. RIMS recently had the Legislative Summit in Washington, D.C., where third-party litigation funding was a top priority. It was a top RIMS talking point on the Hill. [16:38] Jennifer says Hyatt and the hospitality industry are in with RIMS on the issue of third-party litigation funding. If it continues, guests are going to have to pay more for a stay and for the experiences they want to have as rising risk costs are passed to the consumers. [17:04] Plug Time! RIMS Webinars! We are back on May 22nd, with GRC, a TÜV SÜD Company, and their newest session, “Asset Valuations in 2025: Managing Tariffs, Inflation, and Rising Insurance Scrutiny”. [17:22] On May 29th, Origami Risk returns to present “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction”. On June 5th, Zywave joins us to discuss “Today's Escalating Risk Trajectory: What's the Cause and What's the Solution?” [17:44] More webinars will be announced soon and added to the RIMS.org/Webinars page. Go there to register. Registration is complimentary for RIMS members. [17:55] Spencer's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [18:16] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [18:36] General Grant awardees are typically notified at the end of October. Learn more about Spencer's General Grants through the Programs tab of SpencerEd.org. [18:46] On the 7th of October, the New Jersey RIMS Chapter will return to the beautiful Fiddler's Elbow Country Club in Bedminster, New Jersey for their Annual Charity Golf/Pickleball Event. [18:59] Registration is open and the event proceeds are used to fund the chapter's Spencer and Kids' Chance Scholarships. It was the filming location for the upcoming movie sequel Happy Gilmore 2. For more information, and to register, please NewJersey.RIMS.org. [19:21] Let's Return to My Interview with RIMS 2025 Risk Manager of the Year, Jennifer Pack! [19:47] Hyatt put a captive in place in 2013. Back then, Hyatt had huge insurance cost swings year-on-year that they couldn't forecast. It created a lot of “noise” on the balance sheet. They originally put the captive in place to take away that noise and remove wild cost volatility. [20:38] Over time, Hyatt started to see success and build up a surplus they saw the value of a captive, especially as market conditions changed. They brought in additional forms of insurance coverage with traditional deductible buy-downs with workers' compensation and GL. [21:04] They started to see the surplus build up and they were able to give some of the surplus back to the participants and drive down their premium cost. [21:14] In the pandemic, the hospitality business came to a halt. Before the pandemic, Hyatt's average occupancy around the world was over 75%. In April 2020, it dropped to 6%. The owners of Hyatt were under extreme pressure. [21:43] Jennifer had an extra surplus in the captive and was able to give relief to the owners and to the company in that year and the next couple of years. Claim volume went down due to lower occupancy. Hyatt used some of that cash to fund large acquisitions. [22:19] That's when Hyatt saw social inflation in gaps in coverage. There was no coverage for a pandemic. Through the captive, Jennifer was able to offer that coverage to the owners. She offered wages and hours insurance to the owners. [22:48] Coming out of COVID-19, with the impact of social inflation, the captive took on larger line sizes and larger layers in its umbrella tower. They had some acquisitions in cyber. They bought the Apple Leisure Group. [23:36] In a lot of those services, Hyatt isn't providing the service but is almost like a travel agent, connecting you to the hotel, airline, or excursion. If there is an incident, the third party has the coverage. Hyatt has exposure for connecting you to the service. [24:01] Hyatt had to get creative with coverage for these new exposures, working with broker partners to fill those gaps. They did it largely with the captive, buying time until they could get a traditional product in place. [24:17] With the captive, Hyatt filled gaps, helped grow the business, and used it as a business enabler, providing cash, relief to owners, and coverage that may not have been commercially available, either to buy time or permanently fill a gap. It's been fun! [24:53] Jennifer regularly changes which hat she wears. As the captive President, she has to look at what Hyatt is doing to protect the captive and make sure it's adequately funded and complies with regulations. From a governance perspective, is Hyatt doing the right things? [25:21] Jennifer regularly brings in third-party experts to check the captive. Jennifer's decisions as President of the captive are through the lens of the captive and as the owner of this business, what they are doing to grow revenues, manage expenses, and keep an adequate surplus. [25:44] The captive doesn't run razor-thin. To have a forward-looking approach, it needs to have an adequate surplus, reserves, and cash in the captive. They're very conservative in protecting it. [26:06] From a corporate risk management perspective, when Hyatt needs to buy insurance, Jennifer asks, can we buy it from the captive? She sometimes has tough conversations with Hyatt about borrowing versus driving up investment income to protect everyone's interests. [26:37] Jennifer has to keep top-of-mind, which lens she's looking through, whether President of the Captive or Hyatt Vice President of Risk Management. She wears two hats, managing all the key stakeholders' needs and wants. [27:17] Some of the stakeholders are Hyatt, third-party owners, the corporation itself, and guests and colleagues with short-term and long-term disability and medical, adding value for the benefits team so they don't have to go to third parties for that insurance. [28:27] As the Captive President, Jennifer is looking at loss and expense ratios, reserve to operating ratios, surplus to premiums, and surplus to reserves, making sure that they're within the set ratios. They shoot for three to one. Anything above that number can go to participants. [29:09] They won't go below three to one so they are capitalized for future unexpected losses or to back up future business growth. Jennifer believes Hyatt is unique in having those ratios and guards in place. Jennifer is looking forward to future needs. [30:15] The captive evaluates from time to time whether to change the ratios to five to one or four to one. In the liability space, claims are growing. Some of the demands are wild and the settlements reached or not reached are eye-opening! [30:46] Jennifer explains the global risk management claims software that is now also used for incident reporting to the risk department. They look at data from all incidents and are seeing a trend and looking to what could come down the pike and new coverages they may need to offer. [31:44] The technology is supporting the department and overall risk management strategy. The captive is benefiting through better data on what's happening out there so they won't get blindsided by unusual trends that aren't yet seen in the claims. [32:19] Technology helps the captive to build out platforms to manage compliance, safety, and security in the environment. [32:28] The more data insights and comfort Jennifer has over the Health, Safety, and Security diagnostic at each property, region, and the globe, and overlays those with risk assessments Hyatt does, the more comfort she can get to take on more risks knowledgeably in the captive. [33:15] RIMS Plug! The first of hopefully many RIMS Texas Regional Conferences will be held in San Antonio from August 4th through the 6th, 2025. This groundbreaking event is set to unite the Texas RIMS Chapters and welcome risk management professionals from around the world. [33:34] Guess what, folks! Registration is now open! The advance rate is available through May 16th. A link is in this episode's show notes. You can also visit the Events page of RIMS.org to register. We look forward to seeing you in Texas! [33:50] Let's Conclude Our Interview with RIMS 2025 Risk Manager of the Year, Jennifer Pack! [34:04] Jennifer Pack is the RIMS Risk Manager of the Year 2025 and she has been such a wonderful guest. This episode is coming out the morning of the awards. We will see her onstage, for anyone who has the privilege of being there. [34:19] Jennifer is honored, excited, and a little nervous to be onstage at RISKWORLD for the award. A lot of the RIMS Chicago members will be there. Jennifer has a wonderful Chicago-based team that will be there. Jennifer's parents and her husband are coming. [36:26] Jennifer says moving up the ranks at Hyatt and RIMS Chicago has been a fun and wild ride! The growth in her career, switching from being a Public Accountant to Auditor to Risk Manager has been fun with a lot of learning. [36:54] Jennifer tries to lead and grow with optimism, fun, and humor. She's been able to grow and develop a team under her. It's been a really interesting 18-year adventure. [37:11] Once Jennifer was exposed to RIMS, it opened her eyes to the wealth of resources, friendship, collaboration, and knowledge-sharing. It's been such an excellent experience for her. She couldn't be prouder of the Chicago Chapter and the great things they do to develop talent.  [37:43] Jennifer says since COVID-19, it's been wonderful to see the number of people who attend the outings and forums. It's great to have such a great community and seeing them regularly is impactful. [38:06] Jennifer is Risk Manager of the Year. The Rising Star is Megan Smalter, who has had a wonderful time with the Chicago Chapter before moving to New York. In her role on the RIMS Chicago Chapter Board, and when she ran the Golf Outing, Jennifer has worked with Megan. [38:45] Julie Bean won the Heart of RIMS Award recently. Jennifer says it's great to have the bench of expertise of long-standing members in the Chicago Chapter. Jennifer learned from them personally and in professional settings. They're great for sharing ideas and working with. [39:36] Jennifer also mentioned Theresa Severson who was RIMS 2023 Risk Manager of the Year, with Kite Realty. There's a lot of talent and deep risk knowledge in the RIMS Chicago Chapter. There's a genuine camaraderie.  [40:30] Jennifer looks ahead to see companies leaning into the concept of full risk management philosophy. Risk management is so much more than just the insurance buyers. [40:45] Risk management is “How can we bring a risk management mindset to our enterprises? How can we be business enablers? How can we leverage the wealth of data and information that comes through our department to enable mindful growth in the business?” [41:05] It's “How can we help with ESG efforts, especially with the reporting? How can we mitigate risks to the company and not just to our financial tools of insurance? What can we do in loss prevention or mitigation?” [41:26] “What can we do in claims management with more expertise, as things heat up on the litigation side with social inflation and nuclear claims?” Jennifer sees Hyatt and other companies taking more risks in the captive's or balance sheet to offset what's happening.” [42:10] Risk managers are going to have to articulate that and bring solutions to the forefront of their companies. Jennifer is excited about the future. She's looking forward to launching and rolling out more technology solutions as Hyatt leverages all its data. [42:57] Jennifer knows her team can have a lot of positive impact on the organization and she's excited about it. [43:08] Special thanks and congratulations again to Jennifer Pack, the RIMS 2025 Risk Manager of the Year. A link to RISKWORLD coverage is in this episode's show notes via the Show Daily. [43:20] That will update this episode's show notes with a link to the RIMS Risk Management Magazine coverage in our special Awards Edition. More honorees from RISKWORLD will join us here on RIMScast soon. [43:35] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [44:03] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:21] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [44:38] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [44:55] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [45:09] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [45:17] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RIMS Texas Regional 2025 — August 3‒5 | Advance registration rates now open. ERM Conference 2025 — Call for Submissions (Through May 20) RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Educational Foundation — General Grants 2026 — Application Dates Press Release: “RIMS Risk Manager of the Year Goes to Hyatt's Jennifer Pack” RIMS Webinars: RIMS.org/Webinars “Asset Valuations in 2025: Managing Tariffs, Inflation, and Rising Insurance Scrutiny” | Sponsored by GRC, a TÜV SÜD Company | May 22, 2025 “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction” | Sponsored by Origami Risk | May 29, 2025 “Today's Escalating Risk Trajectory: What's the Cause & What's the Solution?” | Sponsored by Zywave | June 5, 2025   Upcoming RIMS-CRMP Prep Virtual Workshops: CBCP & RIMS-CRMP Exam Prep Virtual Bootcamp: “Mastering Business Continuity & Risk Management” | May 19‒22, 2025 | In Collaboration with DRI International Full RIMS-CRMP Prep Course Schedule “Managing Data for ERM” | June 12 | Instructor: Pat Saporito  “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Risk and Leadership Patterns with Super Bowl Champion Ryan Harris” (RISKWORLD 2025 Keynote) “(Re)Humanizing Leadership in Risk Management with Holly Ransom” “Risk and Relatability with Rachel DeAlto” “RIMS Risk Manager of the Year, Steve Robles, Los Angeles County” (2024)   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RIMS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Jennifer Pack, VP of Global Risk Management, Hyatt Corporation   Production and engineering provided by Podfly.  

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 15 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Allsup, and Filing Concurrent Social Security Disability and Long-Term Disability Claims."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an eye-opening discussion on the intersection of ERISA Disability insurance and Social Security Disability benefits. If your Long-Term Disability carrier has suggested using a third-party service like Allsup to handle your SSDI application, you're not alone - but is that really in your best interest? In today's episode, we're pulling back the curtain on what Allsup promises versus what you may actually experience. From the fine print in your ERISA policy to the strategic timing of your SSDI application, we'll explore why many claimants are required to apply for Social Security Disability - often before their Long-Term Disability claim is even approved. Whether you're just starting the claims process or re-evaluating your options, this episode is packed with essential guidance to help you make informed decisions, avoid common pitfalls, and protect your financial future. So, let's get into it.In this episode, we'll cover the following topics:One - Did Your ERISA Disability Carrier Suggest That You Use Allsup to File a Claim for Social Security Disability Insurance? Why the Four Claims That Allsup Makes About Why You Should Use Them to Handle Your Social Security Disability Don't Make SenseTwo - Is Allsup Really Interested in Helping Me or the Disability Insurance Carrier When the Carrier Recommends I Use Allsup to Apply for Social Security Disability Benefits?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 14 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Physical Therapists and Their Disability Claims."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the unique challenges physical therapists face when it comes to Long-Term Disability benefits. From the daily occupational hazards to the kinds of injuries and conditions that can end a career, today's episode dives into what happens when the healer becomes the patient. We'll break down the real-world risks physical therapists face, how specific disabilities can impact your ability to perform your job, and what you need to know to successfully navigate the claims process. Whether your coverage is through an employer, a professional association, or an individual policy, this episode is packed with essential guidance on protecting your income and your future.In this episode, we'll cover the following topics:One - Occupational Hazards for Physical TherapistsTwo - Disabilities That Can Sideline a Physical TherapistThree - Long-Term Disability Benefits for Physical TherapistsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 13 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding Policy and Plan Language and Terminology."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the critical role that policy and plan language plays in your disability claim. From the meaning of “proof of claim” to unexpected travel restrictions, and even how unrealistic settlement expectations can sink your case, this episode is packed with real-world examples and legal insights. Learn why understanding the fine print of your ERISA plan could be the key to winning your benefits.In this episode, we'll cover the following topics:One - Do You Have to Provide Your Disability Carrier With Objective Evidence of Illness to Get Your ERISA Disability Benefits?Two - Unrealistic Settlement Expectations Doom ERISA Mediation – “If My Wife Doesn't Get 100% of the Full Value of Her Claim, I'm Going to Divorce Her.”Three - Can I Travel Overseas and Collect My ERISA Disability Benefits?Four - Why the Language in an ERISA Summary Plan Description and an Administrative Service Agreement Can Make All the Difference in How an ERISA Disability Claim Is Handled and by WhomWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

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 12 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability in the Modern World, Advocacy, and More with Guest Hollis Peirce."Join attorney Nancy L. Cavey, a leading expert in disability claims, and special guest Hollis Peirce for an insightful discussion on disability advocacy, the realities of living with a disability in today's world, and more. Hollis, born with muscular dystrophy, shares his personal journey, offering a firsthand perspective on how disability impacts his daily life - highlighting that living with a disability can often feel like a full-time job. He also discusses the challenges faced by those with disabilities in the modern world and explores ways people can get involved in disability advocacy.In this episode, we'll cover the following topics:One - Hollis' Personal Journey and ExperienceTwo - Disability in the Modern WorldThree - Advocacy and PerspectiveWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Hollis, who hosts the podcast 21st Century Disability, can be found at the following:Website: https://www.21stcenturydisability.com/Instagram: https://www.instagram.com/21stcenturydisability/Facebook: https://www.facebook.com/21stcenturydisabilityBluesky: https://bsky.app/profile/21stcentdisability.bsky.socialLinkedIn: https://www.linkedin.com/in/hollis-peirce-347122239/Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

On this episode of the Pretty Powerful Podcast, I sit down with Nancy Cavey, a fierce advocate for those fighting to receive the Social Security and Long-Term Disability benefits they deserve. Nancy's passion for helping others stems from a deeply personal experience—watching her father battle leukemia and witnessing the emotional and financial toll of navigating the disability system. This experience shaped her into more than just an attorney; she is a relentless champion for those who have been unfairly denied benefits. As a nationally recognized disability attorney, author, and member of the National Organization of Social Security Claims Representatives (NOSSCR), Nancy has dedicated her career to guiding individuals through the complex claims process. In this conversation, we break down the biggest challenges claimants face, expose the hidden obstacles in the system, and discuss how advocacy can transform lives. Whether you're navigating a disability claim yourself or want to learn more about standing up for justice, this episode is packed with invaluable insights! #PrettyPowerfulPodcast #NancyCavey #DisabilityAdvocacy #SocialSecurityDisability #LegalHelp #Empowerment

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 11 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Exploring Various Occupations, and How Their Performer's Claims Were Denied or Terminated."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on various occupations and the reasons behind denied or terminated disability claims. Many prospective disability applicants mistakenly believe that they are automatically entitled to benefits, regardless of their job or occupation. However, different policies and plans set varying disability thresholds depending on the occupation. In today's session, Nancy L. Cavey will examine three distinct claims denials or terminations, each involving applicants from different occupations, to explore how (or whether) their careers impacted their claims.In this episode, we'll cover the following topics:One - Why Was Unum's Termination of Long-Term Disability Benefits for a Johns Hopkins Nurse with Fibromyalgia and Undifferentiated Connective Tissue Disorder Upheld by a Florida Court?Two - Blue Cross Blue Shield Senior Recovery Specialist's Unum Disability Benefits for AION Visual Issues Reinstated by CourtThree - How First Reliance Successfully Terminated a Lawyer's Benefits for Chronic Fatigue SyndromeWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

In her late teens, Nancy's father was diagnosed with leukemia. As someone who witnessed firsthand the devastating emotional and financial impact on both individuals and families that being disabled and filing for benefits can have, Nancy is not just an attorney, but an empathetic presence who understands what claimants are going through. She represents people across the United States in getting their Social Security and Long-Term Disability benefits. Nancy has spent her career working tirelessly on behalf of Americans who have not received fair treatment or promised benefits. In doing so, she has written many consumer-friendly guides to disability, including The Disability Insurance Claim Survival Guide for Professionals and Your Rights to Social Security Disability Benefits. She is a National Organization of Social Security Claims Representatives (NOSSCR) member. While she has a nationwide practice, she is licensed in Florida and the District of Columbia I had the opportunity to ask Nancy numerous questions regarding Social Security disability, and she was incredibly helpful throughout. Her answers were thorough, and clear, and demonstrated a deep understanding of the subject. She was patient and attentive, making sure all my concerns were addressed. Nancy's assistance truly made a complex topic much easier to navigate. Website https://caveylaw.com Listen to her podcast https://podcasts.apple.com/us/podcast/winning-isnt-easy-long-term-disability-erisa-claims/id1529937679  

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 10 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Conditions That Might Be Subject to Term Limitations or Exclusions – Understanding Them, and Why."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on medical conditions that may be subject to term limitations or exclusions. Many prospective disability applicants believe that if they have a medical condition and a doctor confirms they are disabled, they have an open-and-shut case. Unfortunately, this is often not the case - particularly when the disability is mental in nature, or when a physical disability is partially linked to a mental health condition. In today's session, Nancy L. Cavey will explore a range of medical conditions that could be subject to these limitations or exclusions and explain why.In this episode, we'll cover the following topics:One - Drug Addiction / Substance Abuse and Your ERISA Disability ClaimTwo - Alzheimer's Disease and Your ERISA Disability Insurance ClaimThree - Gender Dysphoria and Your ERISA Disability Insurance ClaimWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Can Stormont find £150m to mitigate welfare cuts? Could health reform be a path to addressing a reliance on long-term disability benefits? Frank spoke to Prof Deirdre Heenan and Dr Ciara Fitzpatrick Hosted on Acast. See acast.com/privacy for more information.

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 9 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Denial and Termination Games That Carriers Play."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the denial and termination tactics commonly used by disability insurers. Disability carriers often employ various strategies in an attempt to deny claims, and today, Nancy will delve into some of these, including the use of vocational evaluators and efforts to classify work as sedentary. She will also analyze a failed claim denial, demonstrating how these tactics are challenged and overturned in court.In this episode, we'll cover the following topics:One - Should My ERISA Disability Attorney Hire a Vocational Expert in My ERISA Disability Appeal? The Vocational Evaluation GameTwo - The Sedentary Work Game That Disability Carriers Play at the Any Occupation Stage of an ERISA Disability ClaimThree - Guardian's Untimely Production of New Evidence Used to Deny a Claim Overturned by CourtWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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 8 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Interplay Between Physical and Mental Disabilities in An ERISA Disability Claim."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the complexities of mental nervous condition limitations in ERISA disability policies - especially when they intersect with physical disabilities. In this episode of Winning Isn't Easy, Nancy unpacks two key limitations insurers use to deny or terminate claims, including the notorious "Monty Python" limitation, which cuts off benefits if a mental condition contributes to a disability, no matter how minimally. Through real-world cases - from post-surgical depression to fibromyalgia - she reveals how insurers exploit these clauses to restrict benefits. Don't miss this essential conversation on protecting your rights and navigating these restrictive policies. In this episode, we'll cover the following topics:One - Case Study: McEachin v. Reliance Standard Life Ins. Co.Two - What Constitutes Disability in the Context of a Mental Nervous Claim?Three - The Interaction between Physical and Mental Health DisabilitiesFour - What Happens if You Become Disabled Sequentially by Physical and Mental Illness?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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 7 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Importance of Nurse Consultants in Long-Term Disability Claims with Shannon Fenimore."Join attorney Nancy L. Cavey, a leading expert in disability claims, and special guest Shannon Fenimore, a nurse and nurse consultant, for an insightful discussion on the vital role of nurse consultants in disability claims. They explore how nurse consultants assist in advocating for clients, particularly during independent medical examinations, and other interactions with attorneys and clients. Tune in to this episode of Winning Isn't Easy to gain valuable insights into their impact and responsibilities.In this episode, we'll cover the following topics:1 - An Overview of Nurse Consultants2 - Nurse Consultants and IMEs3 - Other Questions Regarding Nurse ConsultantsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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 6 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "What Every ERISA Policyholder or Plan Beneficiary Must Know About How the Carrier or Plan Uses Their Nurse Reviewer, Paper Medical Reviews, or Independent Medical Examinations To Create Reasons for the Denial or Termination of Your Disability Claim."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on the tactics disability carriers use to deny or terminate benefits. These tactics often include relying on nurse reviewers instead of specialized medical experts and conducting so-called "independent" medical examinations that are anything but. In this episode of Winning Isn't Easy, Nancy breaks down each of these strategies, explaining how they work and what you need to watch out for to protect your claim. Don't miss this essential information.In this episode, we'll cover the following topics:1 - Can an ERISA Disability Carrier Use a Nurse-Only Review to Deny or Terminate My Disability Insurance Benefits?2 - Can an ERISA Disability Carrier Use a Physician Peer Review to Deny or Terminate My Disability Insurance Benefits?3 - The Not-So-Independent Medical Evaluation GamesWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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 5 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "How Long COVID and Other Social Security Disability Residual Functional Capacity Forms Can Help You Win Your ERISA Disability Insurance Claim."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on how Long COVID residual functional capacity forms can help you win your disability insurance claim. Strong medical evidence is essential for a successful disability claim - especially for conditions like Long COVID. A key part of this process is working with a trusted doctor who can accurately assess and document your functional status. In this episode of Winning Isn't Easy, Nancy will also explore the various forms that can help you gather the medical evidence needed to strengthen your claim.In this episode, we'll cover the following topics:1 - The Role Your Physician Plays in Your Long COVID Claim2 - The Role Your Physician Plays in Determining Your Post-COVID Functional Status3 - Why You Should Use a Long COVID Social Security Disability Residual Functional Capacity Form in Your Short-Term Disability and Long-Term Disability Claim4 - Why You Want to Supplement a Long COVID Social Security Disability Residual Functional Capacity Form with Other Applicable FormsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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 4 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "An Update on Long COVID Long-Term Disability Claims."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on COVID and Long COVID Long-Term Disability insurance claims. Despite the passage of time, COVID remains a persistent issue, bringing new challenges to disability law. In this episode of Winning Isn't Easy, Nancy - one of the first attorneys in the U.S. to litigate a Long COVID disability claim - shares the latest updates on these cases. She explores how Long COVID contributes to other disabling conditions and exposes how insurance carriers are already wrongfully denying these claims. Don't miss this essential conversation for those navigating the complexities of Long COVID disability claims.In this episode, we'll cover the following topics:1 - The Common Types of Cases from Long COVID Syndrome, Aggravation of an Underlying Disease Because of COVID, and New Medical Conditions Caused by Long COVID2 - The Seven Denial Tools That Carriers or Plans Use to Justify a Claim Denial or Termination, and How Courts View These Denial Tools3 - The Role of Your Physician in Your Long COVID Claim and Your Post-COVID Functional Status4 - Vocational Denial Tools5 - Thirteen Tips for Attacking the Denial or Termination of Your Long COVID ClaimWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Insights Into Life with a Disability with Ken Kunken."Join attorney Nancy L. Cavey, a seasoned expert in disability claims, for a compelling conversation with Ken Kunken, a retired trial attorney who has lived with a disability since 1970. While playing college football that year, Ken suffered a catastrophic injury that left him paralyzed from the neck down. In this powerful episode of Winning Isn't Easy, Nancy sits down with Ken to discuss the realities of living with a long-term, life-changing disability. They explore how such an event reshapes life's trajectory, influences interactions with the world and others, and, most importantly, how one can still build a fulfilling and meaningful life despite the challenges. Don't miss this inspiring and insightful discussion.In this episode, we'll cover the following topics, and more:1 - How Did Your Injuries Change Your View of Yourself?2 - How Did You Learn to Deal With People's Perception of You, and Not the Reality of You?3 - What Advice Would You Give to Someone Who Has a Life-Changing Injury?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "More on Sedgwick, P2."Join attorney Nancy L. Cavey, a seasoned expert in disability claims, as she takes a deep dive into Sedgwick, a prominent disability insurance carrier. Nancy unpacks Sedgwick's approach by analyzing real-life cases - each with unique backgrounds and experiences. Through these stories, you'll uncover valuable insights and key lessons about how Sedgwick manages disability claims. In this episode, we'll cover the following topics:1 - The Story of Ms. Foster2 - The Story of Ms. Brock3 - The Story of Ms. Castor4 - The Story of Mr. Keaton5 - The Story of Ms. KnottWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 5, Episode 1 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Long-Term Care Health Benefits and Your Disability Insurance Policy."Join host Nancy L. Cavey, an experienced attorney specializing in disability claims, as she delves into the complexities of Long-Term Care health benefits and their relationship with your disability insurance policy. Although their names may seem similar, Long-Term Disability insurance and Long-Term Care insurance have distinct differences, which Nancy will break down. She'll also highlight critical policy language and expose the tactics insurance carriers often use to deny benefits. In this episode, we'll cover the following topics:1 - The Four Differences between Long-Term Disability Insurance and Long-Term Care Insurance2 - Typical Long-Term Care Policy Terms That You Should Be Familiar With, and Why the Devil Is in the Policy Terms3 - Games Disability and Long-Term Care Carriers Play in Denying BenefitsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listed to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

In this year in review episode, the Gritty Nurses take a beat to discuss the whirlwind that was 2024! Highlights of podcast episodes and listeners from around the world, travelling to speak to nurses across the country, a baby, a #1 bestselling book and what's to come in 2025!  The Gritty Nurses are just getting started! Thank you to our episode sponsor, healthcareproviders.ca! Attention, hospital employees, retirees and HR in Canada!   Picture this: a benefit plan designed for casual and part-time hospital employees and retirees who aren't covered by their hospital's group health plan. Introducing Healthcare Providers Group Insurance Plan – a friendly partner dedicated to your health and wellbeing! With affordable plan premiums and an exceptional support team, Healthcare Providers, also known as HCP,  is dedicated to helping you every step of the way. Enrolling is easy, and you'll have access to a wide range of health and basic dental benefits from day one. Already have coverage through your spouse? HCP still has your back! For less than $32 a month, the Signature Package, which includes Life, Long-Term Disability, Accidental Death, Disease & Dismemberment, provides valuable income protection and peace of mind for the unexpected. Take charge of your health and financial security today. Visit healthcareproviders.ca to learn more! Order our Book, The Wisdom Of Nurses! Leave us a review on Amazon! https://www.harpercollins.ca/9781443468718/the-wisdom-of-nurses/  https://www.grittynurse.com/ YouTube: https://www.youtube.com/@grittynursepodcast  Facebook: https://www.facebook.com/grittynurse Instagram: https://www.instagram.com/gritty.nurse.podcast/ X: https://x.com/GrittyNurse LinkedIn: https://www.linkedin.com/company/grittynurse  

Welcome to Season 4, Episode 44 of Winning Isn't Easy - our Season 4 finale. In this episode, we'll dive into the complicated topic of "What You Need to Know About Functional Capacity Evaluations in Your Long-Term Disability Claim."Join host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims,  as she explores functional capacity evaluations. These evaluations assess an individual's physical abilities and can be valuable in determining disability and strengthening claims. However, they are also prone to common pitfalls and mistakes that can ultimately undermine a case. In this episode, Nancy will provide a detailed overview of functional capacity evaluations, explain their benefits, and highlight the key mistakes that can occur during the process. In this episode, we'll cover the following topics:1 - The Nuts and Bolts of a Functional Capacity Evaluation2 - How You Can Use a Functional Capacity Evaluation to Support Your Claim and Overcome a Wrongful Claim Denial or Termination of Benefits3 - Seven Mistakes You Can Make during a Functional Capacity Evaluation Ordered by Your Long-Term Disability Carrier4 - What Are the Seven Ways an ERISA Disability Carrier Will Use the Results of a Compulsory Functional Capacity Evaluation to Terminate Your Disability Benefits, and How You Can Protect YourselfWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 43 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Ten Common Mistakes You Can Make in Your Initial Application for ERISA Disability Benefits."Join host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, as she delves into the complexities of the initial application process - an often daunting and error-prone step. While every stage of the disability claims journey can be challenging, the initial application can be especially confusing and frustrating, causing many applicants to abandon the process before they've even begun. In this episode, Nancy will thoroughly explore ten common mistakes made during the initial application, providing valuable insights to help you avoid these pitfalls. In this episode, we'll cover the following topics:1 - Listening to your supervisor who says they have your back.2 - Listening to your HR department.3 - Not knowing what your STD / LTD policy or plan says.4 - Picking the wrong date to be disabled.5 - Not knowing what is in your medical records.6 - Not filling out the application correctly.7 - Screwing up the ADL forms.8 - Screwing up the Interview.9 - Doing things you shouldn't, and staying on social media.10 - Not having an experienced ERISA lawyer represent you.Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

We are realizing more and more how much climate change is affecting us in healthcare. Join the Gritty Nurses as they sit down with Nurse Jessica Sites of the Nurses Uncorked podcast and Planetary Health Lead Raluca Ralu, MSN, RN. They discuss the delicate intersection between the environment and healthcare, through a professional and personal lens. Jessica literally survived a hurricane at home in Florida and Raluca specializes in climate change and education in her work! Nurse Jessica Sites has over 2 decades worth of experience in the healthcare industry. Jessica worked as a labor and delivery registered nurse in the Tampa Bay area for over 21 years. 2 years ago she took a leap of faith and left bedside nursing in order to pursue a full-time comedic social media career. With nearly 1 million followers, Nurse Jessica has become a trending social media sensation and is proud of how far she has come in such a short amount of time. She is also the co-host of a nursing podcast called Nurses Uncorked, where and her co-host advocate for nurses while still managing to insert humor in the mix. Jessica says if that she can give nurses even a little chuckle in the midst of their crazy chaotic work lives, then she feels she is accomplishing their goals. Raluca Radu, a proud nurse with a Master of Science in Nursing from the University of British Columbia, specializes in Climate Change & Health Education. Since beginning her nursing career in 2014, she has gained experience in public and private healthcare, including surgical units, emergency departments, primary care, and occupational health and safety. Raluca has also taught as a clinical instructor and lecturer at UBC, contributing as a content expert on Climate Change & Health. Passionate about the environment, she remains active in groups like the Canadian Association of Nurses for the Environment (CANE) and other planetary health initiatives. After serving as a Climate and Health Educator with Doctors Without Borders, where she led capacity-building on mitigation health co-benefits, Raluca joined Providence Health Care as its first Planetary Health Lead. She believes we all have opportunities to act now to protect our shared future. Thank you to our episode sponsor, TMU School of Medicine! In summer 2025, Toronto Metropolitan University's new School of Medicine will officially open its doors and begin shaping a new generation of doctors. Through a bold new approach to medical education, we will train future-ready doctors who are dedicated to delivering primary care to those who need it most. Our doctors will come from our communities and work with our communities to improve health and wellbeing. They will disrupt and drive change within the healthcare system for the benefit of our communities all across Canada. And they will advance our shared vision to build a healthier, more equitable world. The TMU School of Medicine will welcome its first cohort of residents in summer 2025 across 17 residency programs, including seven in family medicine and ten in generalist specialties. MD students will follow in September 2025, pending successful preliminary accreditation by the Committee on Accreditation of Canadian Medical Schools. Visit torontomu.ca/school-of-medicine  to learn more. Thank you to our episode sponsor, healthcareproviders.ca! Attention, hospital employees, retirees and HR in Canada!   Picture this: a benefit plan designed for casual and part-time hospital employees and retirees who aren't covered by their hospital's group health plan. Introducing Healthcare Providers Group Insurance Plan – a friendly partner dedicated to your health and wellbeing! With affordable plan premiums and an exceptional support team, Healthcare Providers, also known as HCP,  is dedicated to helping you every step of the way. Enrolling is easy, and you'll have access to a wide range of health and basic dental benefits from day one. Already have coverage through your spouse? HCP still has your back! For less than $32 a month, the Signature Package, which includes Life, Long-Term Disability, Accidental Death, Disease & Dismemberment, provides valuable income protection and peace of mind for the unexpected. Take charge of your health and financial security today. Visit healthcareproviders.ca to learn more! Order our Book, The Wisdom Of Nurses! Leave us a review on Amazon! https://www.harpercollins.ca/9781443468718/the-wisdom-of-nurses/  https://www.grittynurse.com/ YouTube: https://www.youtube.com/@grittynursepodcast  Facebook: https://www.facebook.com/grittynurse Instagram: https://www.instagram.com/gritty.nurse.podcast/ Twitter: https://twitter.com/GrittyNurse  LinkedIn: https://www.linkedin.com/company/grittynurse  

Welcome to Season 4, Episode 42 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Interstitial Cystitis."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores Interstitial Cystitis.  Interstitial Cystitis is a long-term bladder disorder characterized by symptoms such as frequent urination, urgent bathroom needs, and pelvic discomfort. Around 1.3 million people in the United States are affected by this condition, with women making up more than one million of those cases. Host Nancy L. Cavey talks about how the severity and impact of Interstitial Cystitis can vary greatly from one person to another, as well as how the condition relates to disability claims. In this episode, we'll cover the following topics:1 -  What Should I Be Telling My Doctor about My Interstitial Cystitis Symptoms That Will Help Me Win My ERISA Disability Claim?2 - How You Can Use Social Security Regulations on Impairment to Overcome an ERISA Disability Carrier or Plan Denial of Interstitial Cystitis3 - Is a Diagnosis of Interstitial Cystitis and Fibromyalgia Sufficient to Overcome an Aetna Disability Insurance Claim Denial?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 41 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "More on UNUM, P4." For another iteration, 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 Nancy L. Cavey walks through a number of UNUM denial tactics and failures. Even if you're not with UNUM, this episode will show you tactics that are commonplace amongst disability carriers when it comes to denying claims.In this episode, we'll cover the following topics:1 -  Is UNUM Legally Required to Tell You about Medical Evidence in Any Denial or Termination Letter?2 - Combating and Attacking Common UNUM Failures to Win Your Benefits3 - Is the Federal Court's Job in Reviewing an ERISA Disability Insurance Claim to Weigh the Evidence, or Determine if There Is a Reasonable Basis for a Claim Denial?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Get ready to stache the facts about men's health! In this episode, Amie & Sara are diving deep into the world of Movember, exploring the importance of prostate cancer awareness, and breaking the silence around men's health issues. Join us as we discuss: The significance of Movember and its impact on men's health Understanding the risks and symptoms of prostate cancer The importance of regular check-ups and early detection How to support the Movember Foundation and make a difference So, grab a cup of coffee, sit back, and let's get serious about men's health. Remember, a little hair on your face can go a long way! Thank you to our episode sponsor, TMU School of Medicine! In summer 2025, Toronto Metropolitan University's new School of Medicine will officially open its doors and begin shaping a new generation of doctors. Through a bold new approach to medical education, we will train future-ready doctors who are dedicated to delivering primary care to those who need it most. Our doctors will come from our communities and work with our communities to improve health and wellbeing. They will disrupt and drive change within the healthcare system for the benefit of our communities all across Canada. And they will advance our shared vision to build a healthier, more equitable world. The TMU School of Medicine will welcome its first cohort of residents in summer 2025 across 17 residency programs, including seven in family medicine and ten in generalist specialties. MD students will follow in September 2025, pending successful preliminary accreditation by the Committee on Accreditation of Canadian Medical Schools. Visit torontomu.ca/school-of-medicine to learn more.  Thank you to our episode sponsor, healthcareproviders.ca! Attention, hospital employees, retirees and HR in Canada! Picture this: a benefit plan designed for casual and part-time hospital employees and retirees who aren't covered by their hospital's group health plan. Introducing Healthcare Providers Group Insurance Plan – a friendly partner dedicated to your health and wellbeing! With affordable plan premiums and an exceptional support team, Healthcare Providers, also known as HCP, is dedicated to helping you every step of the way. Enrolling is easy, and you'll have access to a wide range of health and basic dental benefits from day one. Already have coverage through your spouse? HCP still has your back! For less than $32 a month, the Signature Package, which includes Life, Long-Term Disability, Accidental Death, Disease & Dismemberment, provides valuable income protection and peace of mind for the unexpected. Take charge of your health and financial security today. Visit healthcareproviders.ca to learn more! Order our Book, The Wisdom Of Nurses! https://a.co/d/5XTJRQd Leave us a review on Amazon! https://www.harpercollins.ca/97814434... https://www.grittynurse.com Bluesky: @grittynurse.bsky.social YouTube: / @grittynursepodcast  Facebook: / grittynurse Instagram: / gritty.nurse.podcast Twitter: / grittynurse LinkedIn: / grittynurse

Welcome to Season 4, Episode 40 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Diseases."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores diseases in a general sense, and how they relate to disability claims. While Winning Isn't Easy has explored of a number of diseases in disease-specific episodes, we've never dedicated an episode to the topic as a whole. In this episode, Nancy L. Cavey will be walking through the major components of a disability claim, describing how diseases interact with each via example, including how to get benefits for a disease, what carriers don't understand about diseases, and how carriers will wrongfully deny claims for diseases.In this episode, we'll cover the following topics:1 - What Every ERISA Disability Policyholder or Plan Beneficiary Must Know about Getting Disability Benefits for Graves' Disease2 - Extra Flexible Joints, Chronic Pain, and Stretchy Skin – What ERISA Disability Carriers Don't Get about Ehlers-Danlos Syndrome3 - Reliance Standard Wrongfully Denies Claim of Nurse Anesthetist with Lyme Disease and Breast CancerWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 39 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disorders Impacting Brain Health, P2."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores disorders impacting brain health, and how they operate within an ERISA disability claim. 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. Our last episode on this topic focused on generalized brain health disorders. Today, however, Nancy will walk through some more specified examples of illnesses impacting the brain, giving specific information for each condition. Stay tuned to learn all about disability claims for brain-related medical issues.In this episode, we'll cover the following topics:1 - The Impact of Gaps in Treatment in Your Traumatic Brain Injury ERISA Disability Claim2 - Bradykinesia and Your ERISA Long-Term Disability Claim3 - Parkinson's Disease Secondary to Solvent Exposure and Your Disability Insurance Claim4 - Cognitive Problems and Your Thyroid ERISA Disability Insurance Claim Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 38 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Traps in Activity of Daily Living (ADL) Forms."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores the various traps buried throughout the infamous Activity of Daily Living form that claimants can fall into. The Activity of Daily Living (ADL) form is a form that claimants will be asked to complete at interval times during the course of their claim. While the purpose of the form is to establish your daily activities, it can also be used as a tool by disability carriers to deny, or terminate, a claim. Some questions covered in the ADL form are designed to be leading, ambiguous, or confusing. Today, your host, Nancy L. Cavey, will walk through some of the common pitfalls that can be found in this disability denial tool. In this episode, we'll cover the following topics:1 -  How Should I Answer the Question “What Keeps You from Working?”2 - How Should I Answer the Question “How Bad Is Your Pain?”3 - Tips for How to Answer the Question “What Do You Do on a Typical Day?” on a Disability Carrier or Plan's Activity of Daily Living Form4 - When I Apply for My ERISA Disability Benefits, Why Do They Ask Me What I Do around the House?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Our bodies are on the ballot, and our choice are on the line. In this episode, right before the US presidential election, we discuss one of the most pressing issues in Canada and the US: women's bodies and the right to choose. We sit down to discuss this issue with the Leader of the New Democratic Party, Jagmeet Singh. Some might think it is a silly choice on our behalf to speak to a man about abortion rights---but this is purposeful. Men need to speak out and stand in solidarity with us, be allies and agents of disruption in the face of other men who are trying to suppress our voices. And Canada, think again if you think we cannot lose our rights here--The CPC has proposed many anti-choice bills. We say for Canada too, "We will not go back"! Listen to this most crucial episode, and please vote! Thank you to our episode sponsor, TMU School of Medicine! In summer 2025, Toronto Metropolitan University's new School of Medicine will officially open its doors and begin shaping a new generation of doctors. Through a bold new approach to medical education, we will train future-ready doctors who are dedicated to delivering primary care to those who need it most. Our doctors will come from our communities and work with our communities to improve health and wellbeing. They will disrupt and drive change within the healthcare system for the benefit of our communities all across Canada. And they will advance our shared vision to build a healthier, more equitable world. The TMU School of Medicine will welcome its first cohort of residents in summer 2025 across 17 residency programs, including seven in family medicine and ten in generalist specialties. MD students will follow in September 2025, pending successful preliminary accreditation by the Committee on Accreditation of Canadian Medical Schools. Visit torontomu.ca/school-of-medicine to learn more. Thank you to our episode sponsor, healthcareproviders.ca! Attention, hospital employees, retirees and HR in Canada! Picture this: a benefit plan designed for casual and part-time hospital employees and retirees who aren't covered by their hospital's group health plan. Introducing Healthcare Providers Group Insurance Plan – a friendly partner dedicated to your health and wellbeing! With affordable plan premiums and an exceptional support team, Healthcare Providers, also known as HCP, is dedicated to helping you every step of the way. Enrolling is easy, and you'll have access to a wide range of health and basic dental benefits from day one. Already have coverage through your spouse? HCP still has your back! For less than $32 a month, the Signature Package, which includes Life, Long-Term Disability, Accidental Death, Disease & Dismemberment, provides valuable income protection and peace of mind for the unexpected. Take charge of your health and financial security today. Visit healthcareproviders.ca to learn more! Order our Book, The Wisdom Of Nurses! Leave us a review on Amazon! https://www.harpercollins.ca/97814434... https://www.grittynurse.com/ YouTube:    / @grittynursepodcast   Facebook:   / grittynurse   Instagram:   / gritty.nurse.podcast   Twitter:   / grittynurse   LinkedIn:   / grittynurse    

Welcome to Season 4, Episode 37 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Back and Neck Disorders."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores various back and neck disorders, including Cervical Dystonia, Lumbar Radiculopathy, and Spinal Stenosis. Back and neck disorders are commonplace in the disability world - unfortunately, many of them have elements of subjective pain, which carriers love to latch onto as a reason to justify claims denials. Host Nancy L. Cavey will also discuss tests and procedures carriers expect claimants complaining of back or neck disorders to undergo, and how they can either medically bolster a claim against accusations of subjectivity, or, on the other hand, be used against a policyholder.In this episode, we'll cover the following topics:1 -  Cervical Dystonia and Your ERISA Long-Term Disability Claim2 - Does Your Long-Term Disability Insurance Carrier Expect You to Undergo the MILD Procedure for Spinal Stenosis?3 - Back Pain Caused by Lumbar Radiculopathy - A Somatic System Disorder That Justifies Prudential's Termination of Long-Term Disability Benefits?4 - Why a Positive Waddell Sign In Your Physical Examination Can Be Used by an ERISA Disability Carrier or Plan to Deny Your ERISA Disability Back ClaimWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

LONG-TERM DISABILITY - DO I NEED IT? FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and special guests Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tyler Cunningham | CFP®, CEPS Associate Financial Planner, BWFA

Welcome to the Gritty Nurse Podcast Annual Halloween edition! What is more frightening than tales from haunted hospitals? It could be your aunt's cooking, that cringe blind date you had last week, or governments trying to privatize healthcare—either way—Turn your lights down low, and get comfortable as we listen to the most chilling episode of the season. In this episode The Gritty Nurses chat with Nurse Freija about some chilling tales and some creepy facts from history. Listen if you dare! Thank you to our episode sponsor, TMU School of Medicine! In summer 2025, Toronto Metropolitan University's new School of Medicine will officially open its doors and begin shaping a new generation of doctors. Through a bold new approach to medical education, we will train future-ready doctors who are dedicated to delivering primary care to those who need it most. Our doctors will come from our communities and work with our communities to improve health and wellbeing. They will disrupt and drive change within the healthcare system for the benefit of our communities all across Canada. And they will advance our shared vision to build a healthier, more equitable world. The TMU School of Medicine will welcome its first cohort of residents in summer 2025 across 17 residency programs, including seven in family medicine and ten in generalist specialties. MD students will follow in September 2025, pending successful preliminary accreditation by the Committee on Accreditation of Canadian Medical Schools. Visit torontomu.ca/school-of-medicine  to learn more.  Thank you to our episode sponsor, healthcareproviders.ca! Attention, hospital employees, retirees and HR in Canada!   Picture this: a benefit plan designed for casual and part-time hospital employees and retirees who aren't covered by their hospital's group health plan. Introducing Healthcare Providers Group Insurance Plan – a friendly partner dedicated to your health and wellbeing! With affordable plan premiums and an exceptional support team, Healthcare Providers, also known as HCP,  is dedicated to helping you every step of the way. Enrolling is easy, and you'll have access to a wide range of health and basic dental benefits from day one. Already have coverage through your spouse? HCP still has your back! For less than $32 a month, the Signature Package, which includes Life, Long-Term Disability, Accidental Death, Disease & Dismemberment, provides valuable income protection and peace of mind for the unexpected. Take charge of your health and financial security today. Visit healthcareproviders.ca to learn more! Order our Book, The Wisdom Of Nurses! Leave us a review on Amazon! https://www.harpercollins.ca/9781443468718/the-wisdom-of-nurses/  https://www.grittynurse.com/ YouTube: https://www.youtube.com/@grittynursepodcast  Facebook: https://www.facebook.com/grittynurse Instagram: https://www.instagram.com/gritty.nurse.podcast/ Twitter: https://twitter.com/GrittyNurse  LinkedIn: https://www.linkedin.com/company/grittynurse

Welcome to Season 4, Episode 36 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "ERISA Regulations, P2."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, explores more ERISA regulations. Specifically, she'll cover the disclosures disability carriers are required to make to you in a claim denial or termination letter. Despite ERISA regulations, carriers still often make mistakes or create tenuous reasons for justifying their actions in denial or termination letters, as they do in all parts of a claim. Today, your host, Nancy L. Cavey, will further discuss some of the many mistakes carriers make in handling claims, and how you can be aware of them.In this episode, we'll cover the following topics:1 -  What Disclosures Must an ERISA Disability Carrier or Plan Make in a Denial or Termination of Benefits Letter?2 - What Are the Common Mistakes That ERISA Disability Carriers or Plans Make in a Denial or Termination of Benefits Letter?3 - What Mistakes Are Made Regarding the Description of Additional Material and Information That the Carrier or Plan Thinks Is Necessary to Perfect Your Claim?4 - Are There More Mistakes That Disability Carriers or Plans Make When They Deny or Terminate Your ERISA Disability Benefits?5 - Why ERISA Carrier or Plan Explanations of the Medical, Scientific, or Clinical Judgment They Used Applies to Your Medical Condition Is Often Bull, and What You Must Do about It6 - Using the Carrier or Plan's Specific Internal Rules, Guidelines, Protocols, Standards, or Other Similar Criteria They Relied upon in Denying or Terminating Benefits to Overcome Your Claim DenialWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 35 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "More on Multiple Sclerosis, P4."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, continues to explore the intricacies of ERISA (Employee Retirement Income Security Act) disability claims, today with a specific focus on Multiple Sclerosis (MS). Nancy will leverage her extensive expertise in disability law to provide valuable insights and guidance for individuals and their representatives who are navigating the complexities of ERISA disability claims linked to Multiple Sclerosis.  In this episode, we'll cover the following topics:1 -  What Your Disability Carrier or Plan Doesn't Understand about the Stages of Multiple Sclerosis, and What Multiple Sclerosis Can Do to Your Body2 - Predicting Long-Term Disability in Multiple Sclerosis with the Use of MRI Biomarkers, and Two Implications of Biomarkers on Your ERISA Disability Claim3 - How AT&T Justified the Disability Claim Denial of a Multiple Sclerosis Patient's Subjective PainWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

In this episode, the Gritty Nurses talk about their recent vacations, the importance of travel insurance and how being a nurse never stops! From giving nursing advice to complete strangers, to their kids getting injured and becoming unwell, this is a funny & lighthearted episode you won't want to miss! They also talk about navigating the international healthcare system as travellers. Thank you to our episode sponsor, TMU School of Medicine! In summer 2025, Toronto Metropolitan University's new School of Medicine will officially open its doors and begin shaping a new generation of doctors. Through a bold new approach to medical education, we will train future-ready doctors who are dedicated to delivering primary care to those who need it most. Our doctors will come from our communities and work with our communities to improve health and wellbeing. They will disrupt and drive change within the healthcare system for the benefit of our communities all across Canada. And they will advance our shared vision to build a healthier, more equitable world. The TMU School of Medicine will welcome its first cohort of residents in summer 2025 across 17 residency programs, including seven in family medicine and ten in generalist specialties. MD students will follow in September 2025, pending successful preliminary accreditation by the Committee on Accreditation of Canadian Medical Schools. Visit torontomu.ca/school-of-medicine  to learn more.   Thank you to our episode sponsor, healthcareproviders.ca! Attention, hospital employees, retirees and HR in Canada!   Picture this: a benefit plan designed for casual and part-time hospital employees and retirees who aren't covered by their hospital's group health plan. Introducing Healthcare Providers Group Insurance Plan – a friendly partner dedicated to your health and wellbeing! With affordable plan premiums and an exceptional support team, Healthcare Providers, also known as HCP,  is dedicated to helping you every step of the way. Enrolling is easy, and you'll have access to a wide range of health and basic dental benefits from day one. Already have coverage through your spouse? HCP still has your back! For less than $32 a month, the Signature Package, which includes Life, Long-Term Disability, Accidental Death, Disease & Dismemberment, provides valuable income protection and peace of mind for the unexpected. Take charge of your health and financial security today. Visit healthcareproviders.ca to learn more! Order our Book, The Wisdom Of Nurses! Leave us a review on Amazon! https://www.harpercollins.ca/9781443468718/the-wisdom-of-nurses/  https://www.grittynurse.com/ YouTube: https://www.youtube.com/@grittynursepodcast  Facebook: https://www.facebook.com/grittynurse Instagram: https://www.instagram.com/gritty.nurse.podcast/ Twitter: https://twitter.com/GrittyNurse  LinkedIn: https://www.linkedin.com/company/grittynurse  

Welcome to Season 4, Episode 34 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Return to Work and Disability Duration Guidelines."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses return to work and disability duration guidelines. During the course of a disability claim, carriers may attempt to contact a policyholder or claimant regarding possible return to work dates. It is vital to understand how to handle these propositions, and how they may impact a claim. Host Nancy L. Cavey will also discuss carrier's secret disability duration guidelines.In this episode, we'll cover the following topics:1 -  Disability Insurance Companies Return to Work Guidelines, and What You Need to Know about Their Call to You about a Return to Work2 - Your Claim Has Lasted Way Too Long, and How Do ERISA Disability Carriers or Plans Use a Comorbid Claim Guideline if I Have Multiple Medical Conditions?3 - Cigna Improperly Using Disability Guidelines in Denying a ClaimWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 33 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "Vestibular Disorders."Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses vestibular disorders, which are disorders impacting the vestibular system (responsible for balance). Join Nancy as she covers the basics of vestibular disorders, and walks through three in particular: dizziness, Meniere's Disease, and benign paroxysmal positional vertigo (known as BPPV). Even if you don't have a vestibular disorder, this episode will provide valuable insight into how disability carriers react to and handle claims based on subjective complaints.In this episode, we'll cover the following topics:1 -  What You Need to Know about How Disability Carriers View Vestibular Disorder Disability Claims2 - What Are the 21 Things Your Doctor Should Address in Your Medical Records in Your ERISA Disability Claim for Dizziness?3 - What Medical Testing Will a Disability Carrier Expect in My Meniere's Disease Long-Term Disability Claim?4 - Benign Paroxysmal Positional Vertigo (BPPV) and an ERISA Disability Insurance ClaimWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

In this episode, the Gritty Nurses talk about the concerning increase in cyberattacks on hospitals in recent years. Ascension, one of the largest nonprofit health systems in the nation, was hit by a ransomware attack in May 2024 (right around nurses week). Affected were no less than 12 states, over a period of 36 days. Cyber attacks have increased by 128% from 2022-2023. They discuss safety issues when EMR charting is down, how we can better prepare, how much we should rely on paper charting. Technology can be a double edged sword. Resources: https://www.npr.org/2024/06/19/nx-s1-5010219/ascension-hospital-ransomware-attack-care-lapses  https://www.npr.org/sections/shots-health-news/2024/05/23/1253011397/how-the-ascension-cyberattack-is-disrupting-care-at-hospitals  https://www.healthcaredive.com/news/ascension-cyberattack-impact-ehr-pharmacy-ambulance-diversion/719139/ https://www.healthcaredive.com/news/tracking-ascension-healthcare-cyberattack-impact/716327/  Thank you to our episode sponsor, healthcareproviders.ca!  Attention, hospital employees, retirees and HR in Canada! Picture this: a benefit plan designed for casual and part-time hospital employees and retirees who aren't covered by their hospital's group health plan. Introducing Healthcare Providers Group Insurance Plan – a friendly partner dedicated to your health and wellbeing! With affordable plan premiums and an exceptional support team, Healthcare Providers, also known as HCP, is dedicated to helping you every step of the way.  Enrolling is easy, and you'll have access to a wide range of health and basic dental benefits from day one. Already have coverage through your spouse? HCP still has your back! For less than $32 a month, the Signature Package, which includes Life, Long-Term Disability, Accidental Death, Disease & Dismemberment, provides valuable income protection and peace of mind for the unexpected. Take charge of your health and financial security today. Visit healthcareproviders.ca to learn more!  Order our Book, The Wisdom Of Nurses! Leave us a review on Amazon! https://www.harpercollins.ca/9781443468718/the-wisdom-of-nurses/ https://www.grittynurse.com/ YouTube: https://www.youtube.com/@grittynursepodcast Facebook: https://www.facebook.com/grittynurse Instagram: https://www.instagram.com/gritty.nurse.podcast/ Twitter: https://twitter.com/GrittyNurse LinkedIn: https://www.linkedin.com/company/grittynurse    

Welcome to Season 4, Episode 32 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of " The Horrible Impact That a Workers' Compensation Claim Settlement and Separation Agreement Can Have on Your Long-Term Disability Claim - Plus, What You Should Do if Your Employer Demands That You Sign a Severance Agreement." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the horrible impact that Workers' Compensation claim settlements, and / or separation agreements, can have on a Long-Term Disability claim. Did you know that disability benefits are often subject to offsets, directly related to other settlements or funds accrued from claims? If not, any disability policyholder or prospective disability applicant needs to be aware that benefits can be offset by receipt of other claims, including Workers' Compensation. In today's episode, Nancy L Cavey will walk through some of these situations, and further discuss separation / severance agreements that may also impact disability claims.In this episode, we'll cover the following topics:1 -  Do You Have a Financial Incentive to Sign a Severance Agreement or Release if You Are Eligible for or Are Getting ERISA Disability Benefits?2 - What You Must Know about the Quirky Terms of Employment, Separation Agreements, and Elimination Periods in an ERISA Disability Insurance Claim3 - How an Employment Severance Agreement Can Destroy Your Disability Claim if You Are Not Careful4 - Negotiating a Separation Agreement with Your Employer without Jeopardizing Your Long-Term Disability Claim5 - Why Your Employer Might Not Be Willing to Negotiating a Separation Agreement with You to Protect Your Long Term Disability BenefitsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 31 of Winning Isn't Easy.  In this episode, we'll dive into the complicated topic of "More UNUM Cases Throughout the United States." For a second iteration, 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 Nancy L. Cavey walks through a number of cases with variations in location and cause of disability, but one commonality - in each, the policyholder fought against UNUM. This episode will show you firsthand how vicious UNUM can be when it comes to protecting their bottom dollar. Even if you're not with UNUM, this episode will show you tactics that are commonplace amongst disability carriers when it comes to denying claims.In this episode, we'll cover the following topics:1 -  UNUM's Termination of a Long-Term Disability Claim Paid for Twelve Years on the Basis That the Chronic Migraine Policyholder Was at Maximum Medical Improvement Is Overturned by Court2 - UNUM Told to Pay $20,000 per Month in LTD Benefits to a Disabled Mergers and Acquisitions Attorney3 - UNUM Called Out by Court for Using Nurse Consultant Rather than a Qualified Healthcare Professional4 - Policyholder Triumphs in MS-Related Cognitive Impairment Disability Claim against UNUMWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 30 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "More on Chronic Fatigue and COVID." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses more about Chronic Fatigue and COVID, how they interact with one another, and with other medical conditions, and their surge in the disability claims world. While we now live alongside COVID, and are no longer in a pandemic, COVID is still wreaking havoc in the disability world. With the onset of this new and ever-changing condition, disability lawyers are seeing disability policyholders suffering from illnesses which have no preexisting disability guidelines. Join Nancy as she discusses more about Chronic Fatigue, COVID, and what you need to know if you are suffering from either, and are seeking disability. In this episode, we'll cover the following topics:1 -  The Infamous Dr. Scott Norris, and How Disability Carriers like UNUM Deny Legitimate COVID Claims2 - How Can You Use the Social Security Administration Regulations on How to Evaluate a Chronic Fatigue Syndrome or COVID Claim in Your ERISA LTD Claim?3 - How Research into the Mechanisms Causing ME/CFS and Long-COVID Can Help You Get the Medical Treatment Your ERISA Disability Plan or Policy Requires  4 - Federal Court Rules That the Claims Process for a Policyholder with Fibromyalgia, Multiple Arthralgias, and Small Fiber Neuropathy Should Not Be a Guessing Game for a Disabled Policyholder Whose Policy Has a Non-Verifiable Impairment Payment Limitation of 24 MonthsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Welcome to Season 4, Episode 29 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "The Intersection of SSDI and ERISA, P2 - Vocational Evaluation." Host Nancy L. Cavey, a seasoned attorney with extensive experience in disability claims, discusses the intersection of SSDI and ERISA claims. While SSDI and ERISA are completely different things, they do share some similarities in process, and are often intertwined in the course of applying for disability. Often, when you're applying for one, you are required to apply for the other. That is why it is vital to be knowledgeable regarding both. In the second part of this multi-part series, your host Nancy L. Cavey will be diving into the specifics of the vocational evaluations applicants will undergo. In this episode, we'll cover the following topics:1 -  The Vocational Denial Toolbox2 - The Game Played at the Any Occupation Stage3 - How to Attack the Common Mistakes Made at the Own Occupation Stage of an ERISA CaseWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Resources Mentioned In This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://caveylaw.com/get-free-reports/get-disability-book/LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://caveylaw.com/get-free-reports/disability-insurance-claim-survival-guide-professionals/FREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.