Winning Isn't Easy: Long-Term Disability ERISA Claims

Hosted by Nancy L. Cavey

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Episodes

216

Latest episode

Jun 2026

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EN-US

About the show

Nancy L. Cavey, a seasoned attorney with over thirty-nine years of experience, explains the complex world of filing for Long-Term Disability benefits. Filing for disability can be a confusing, life changing event, so with her deft expertise, Nancy will guide you through: - The ins-and-outs of ERISA (the Employee Retirement Income Security Act), which governs group Long-Term Disability Claims. - Information regarding the process and lifespan of a claim, from the initial application to the request for hearing stages. - Traps and tactics disability carriers (such as UNUM, The Hartford, Lincoln, and MetLife) use to hinder or deny your claim, including independent medical evaluations, surveillance, and arbitrary and capricious arguments downplaying the nature of your disability. - Insights, overviews, and claimant stories regarding disease-specific content (ranging from commonplace ailments such as workplace injuries or accidents, to difficult to diagnose illnesses such as Fibromyalgia, Multiple Sclerosis, and POTS). - Pertinent news happening in the disability world, and - Much, much more. Each episode of our podcast Winning Isn't Easy will expose you to invaluable tips and tricks for surviving the disability claims process (a system that is often wrought with pressures and pitfalls designed to encourage you to give up the benefits you rightfully deserve). As host, Nancy will often be joined by guest speakers who themselves are industry experts, ranging from lawyers specializing in related fields and doctors focusing on the diagnosis and treatment of specific diseases, to our associate attorney Krysti Monaco. In her late teens, Nancy's father was diagnosed with leukemia. As someone who witnessed firsthand the devastating emotional and financial impact on both individual and family that being disabled and filing for benefits can have, Nancy is not just an attorney, but an empathetic presence who understands what you are going through. Do not let disability insurance carriers rob you of your peace of mind. As a nationwide practice, The Law Office of Nancy L. Cavey may be able to help you get the disability benefits you deserve, regardless of where in the United States you reside. Remember - let Cavey Law be the bridge to your benefits. Check out the links below to engage with us elsewhere: Website - https://caveylaw.com/ YouTube - https://www.youtube.com/user/CaveyLaw

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June 16, 2026Episode 2122 min

Burns and 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 6, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into Burns and Long-Term Disability.Burn injuries are often viewed as acute medical events, but their effects can extend far beyond the initial incident. Depending on the depth and severity of the injury, burns can lead to lasting complications such as chronic pain, infection, scarring, contractures, and permanent functional limitations that affect a person's ability to work and perform everyday activities. In this episode, attorney Nancy Cavey examines how burn injuries are classified, how they are treated, and the long-term physical consequences they can produce. She discusses the medical progression of burn injuries, the challenges associated with recovery and rehabilitation, and the factors disability carriers consider when evaluating whether a burn-related condition has become a disabling impairment. Together, these issues illustrate how a burn injury can evolve from a temporary medical condition into a Long-Term Disability claim, and why understanding the medical and functional impact of burns is critical when pursuing disability benefits.In this episode, we'll cover the following topics:One - What Burns Are (Definition, Types, Causes)Two - Symptoms, Complications, and TreatmentThree - Burns and Long-Term Disability EvaluationWhether 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.

June 9, 2026Episode 2024 min

The Technical Rules That Decide ERISA Disability Claims

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 20 of Winning Isn't Easy. In this episode, we'll dive into The Technical Rules That Decide ERISA Disability Claims.ERISA disability claims are often decided not only by medical evidence, but by technical policy provisions that many claimants never realize will determine the outcome of their case. Terms that appear straightforward (such as “active employment,” “regular attendance” of a physician, or whether a condition is classified as an “injury” or a “sickness”) can significantly affect eligibility for benefits and how long those benefits will last. In this episode, attorney Nancy Cavey examines three real disability cases that illustrate how seemingly minor policy language can have life-changing consequences. She discusses a physician who unknowingly lost his disability coverage after reducing his work hours, an insurer’s attempt to deny benefits based on its interpretation of a treatment requirement, and a surgeon whose lifetime benefits hinged on the distinction between an accident and an injury. Together, these cases reveal how technical definitions and policy language can shape the outcome of ERISA disability claims, and why understanding these rules before making critical decisions is essential to protecting disability benefits.In this episode, we'll cover the following topics:One - The Danger of Reducing Your HoursTwo - What Does the Term “Regular Attendance” Mean in an ERISA Disability Claim and How Disability RMS Weaponized “Regular Attendance” to Deny a Valid ClaimThree - How the Difference Between the Terms Accident and Injury Can Impact How Long You Get Your ERISA 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.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.

June 2, 2026Episode 1948 min

When Expertise Isn’t Enough: A Doctor’s Disability Journey With Long COVID (With Guest Dr. Zeest Khan)

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into When Expertise Isn’t Enough: A Doctor’s Disability Journey With Long COVID (With Guest Dr. Zeest Khan).Long COVID has challenged not only medicine, but also the disability insurance system. Insurers often characterize these claims as subjective, difficult to measure, or lacking definitive proof, leaving claimants to navigate a process that can struggle to account for fluctuating symptoms and complex limitations. In this episode, attorney Nancy Cavey speaks with Dr. Zeest Khan, an anesthesiologist whose own experience with long COVID forced her transition from doctor to patient. They discuss how that perspective reshaped her understanding of chronic illness, the realities of pursuing SSDI and Long-Term Disability benefits, the challenges posed by independent medical exams, and why long COVID continues to expose gaps in the way disability claims are evaluated.Check out Dr. Khan's website here: https://longcovidmd.com/In this episode, we'll cover the following topics:One - From Physician to Patient: Identity, Illness, and a New Path Two - Inside the Disability Maze: LTD, SSDI, and System Gaps Three - Advocacy and Strategy: Navigating Claims with Long COVID 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.

May 26, 2026Episode 1822 min

How Claimants Accidentally Destroy Their Own Disability Cases

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 18 of Winning Isn't Easy. In this episode, we'll dive into How Claimants Accidentally Destroy Their Own Disability Cases.Sometimes the biggest threat to an ERISA disability claim isn’t the insurance company - it’s the claimant. Missed treatment, inconsistent statements about daily activities, poor documentation, or even filing a lawsuit incorrectly can destroy an otherwise valid case. In this episode, we examine three real disability claims that unraveled because critical rules weren’t followed. We explore how gaps in medical care can violate a policy’s “regular care” requirement, how everyday activities like travel or golf can be used to undermine allegations of disabling pain, and how procedural mistakes in federal court can lead to dismissal before a case is ever heard. These cases show how insurers scrutinize not only medical conditions, but also credibility, consistency, and compliance with policy requirements. We also discuss why tactics such as careful documentation, ongoing treatment, and experienced legal guidance are often essential to protecting disability benefits under ERISA.In this episode, we'll cover the following topics:One - Why Not Getting Regular Medical Care or Following Treatment Recommendations Can Doom Your Disability Insurance ClaimTwo - Golfing Dooms Chronic Low Back ERISA Disability ClaimThree - Abraham Lincoln Got It Right! Why Representing Yourself in an Insurance Disability Matter Is Never the Right MoveWhether 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.

May 19, 2026Episode 1724 min

Why ChatGPT Can’t Get Your ERISA Disability Claim Right (and What Actually Works)

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 17 of Winning Isn't Easy. In this episode, we'll dive into Why ChatGPT Can’t Get Your ERISA Disability Claim Right (and What Actually Works).Let’s say you’re living with fibromyalgia, chronic fatigue syndrome, postural orthostatic tachycardia syndrome, multiple sclerosis, Parkinson’s disease, or recovering from a stroke, and the high-stakes, cognitively demanding job you once handled now feels out of reach. What should you do next? Stop working and file for ERISA disability benefits? Talk to an attorney? Or rely on generalized advice from online tools or AI? In this episode, we examine why one-size-fits-all answers (typically provided by AI) often miss the mark. Disability carriers don’t evaluate claims in the abstract, they scrutinize how your specific symptoms translate into functional limitations, especially when cognitive impairment is involved. Drawing on real cases, we break down how insurers assess these conditions, where claimants go wrong, and why incomplete or generic guidance can jeopardize otherwise valid claims. We also explore how an evidence-driven approach, backed by experienced legal guidance, can make the difference between approval and denial. If you’re navigating a complex disability claim tied to cognitive or neurological conditions, this episode offers a clearer view of what actually matters, and how to protect your benefits.In this episode, we'll cover the following topics:One - When ChatGPT Gives You the Wrong AnswerTwo - How Disability Carriers Really Evaluate Cognitive Impairment ClaimsThree - The “Own Occupation” Trap and How to Win Your 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.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.

May 12, 2026Episode 1623 min

When Insurance Companies Get It Wrong (and Sometimes Lose)

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 16 of Winning Isn't Easy. In this episode, we'll dive into When Insurance Companies Get It Wrong (and Sometimes Lose).Insurance companies often claim they’re just “following the plan” when denying disability benefits. But in many ERISA cases, the real dispute isn’t whether someone is disabled, it’s how the insurer interprets the evidence, which medical opinions it chooses to credit, and how far it will go to defend a denial once it’s made. From surveillance footage that captures only moments of activity to peer reviews that dismiss extensive medical records, disability carriers frequently rely on selective evidence and insurer-retained experts to justify cutting off benefits. In this episode, we examine three real cases where federal courts scrutinized those tactics. We explore how insurers used surveillance to terminate Long-Term Disability payments, rejected claims involving cognitive dysfunction and dysautonomia despite significant documentation, and relied on medical opinions built on assumptions that weren’t supported by the record. Along the way, we break down how ERISA’s deferential standard shapes these disputes, why courts sometimes find insurer decisions arbitrary or inconsistent, and what these rulings reveal about the strategies carriers use during claim reviews. If you’re pursuing Short- or Long-Term Disability benefits, this episode offers a closer look at how denial decisions are defended, and what can happen when a court concludes the insurer got it wrong.In this episode, we'll cover the following topics:One - How Physical Therapy Notes Prompted Surveillance and How Hartford Used Surveillance Against a Disability Policyholder Who Suffered Chronic PainTwo - Cognitive Dysfunction, Fatigue, and Dysautonomic Symptoms as a Result of COVID Vaccination Results in Disability Benefit LitigationThree - How Appalachian Regional Health Care Wrongfully Denied a Disability Retirement Claim and What One Federal Judge Had to SayWhether 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.

April 28, 2026Episode 1531 min

Asking AI for Real, Honest, and Legally Accurate Answers About Filing an ERISA Disability Claim Is Asking for a Claim Denial

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 15 of Winning Isn't Easy. In this episode, we'll dive into Asking AI for Real, Honest, and Legally Accurate Answers About Filing an ERISA Disability Claim Is Asking for a Claim Denial.What if the guidance you rely on for your disability claim isn’t just incomplete - but actively leading you toward a denial? When it comes to ERISA disability claims, generic answers, even those that sound confident and informed, can overlook critical nuances that determine whether your claim is approved or rejected. From misunderstandings about policy language to oversimplified advice about when to stop working or how to document limitations, relying on AI-generated guidance can create gaps that insurers are quick to exploit. In this episode, we unpack the risks of asking tools like ChatGPT for legal advice on ERISA claims, especially for individuals facing complex medical and vocational realities after events like a stroke. We explore why age, cognitive decline, and changing work capacity require individualized analysis, how disability carriers evaluate these factors, and why seemingly reasonable assumptions can backfire during a claim review. You’ll hear how real claimants have relied on AI for answers, only to discover that critical details were missed, misinterpreted, or oversimplified. If you’re considering filing for Short- or Long-Term Disability benefits, this episode explains why personalized legal guidance still matters - and how relying on the wrong source of information could ultimately decide the outcome of your claim.In this episode, we'll cover the following topics:One - The Dangerous Illusion of AI Legal GuidanceTwo - When AI Gets It Wrong - and Why That MattersThree - The Only Question That Matters - What Changed?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.

April 21, 2026Episode 1421 min

Own Occupation vs. Any Occupation: How Carriers Twist Your Job - and the Law - Against You

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 14 of Winning Isn't Easy. In this episode, we'll dive into Own Occupation vs. Any Occupation: How Carriers Twist Your Job - and the Law - Against You.What if your disability claim is denied not because you can work - but because the insurer redefined what your job actually is? By shifting your role from specialist to generalist, or from medium duty to sedentary, carriers can deny valid ERISA disability claims while insisting they followed the policy. In ERISA cases, the definition of your occupation often matters more than your diagnosis. Insurers don’t just assess disability - they decide what job you’re supposedly unable to perform, and that decision is often tilted in their favor. In this episode, we break down how disability carriers misclassify occupations, rely on outdated job descriptions, and use tools like the Dictionary of Occupational Titles to justify denials. We examine how these tactics play out in real claims, why distinctions like light versus medium duty can determine outcomes, and how courts respond when insurers push too far. If you’re navigating a disability claim, this episode explains why “own occupation” may not mean what you think - and how that distinction can decide whether benefits are approved or denied.In this episode, we'll cover the following topics:One - Is Your Disability Insurance Carrier or Plan Playing the Misclassification-Of-Occupation Game in Denying Your ERISA Disability Insurance Benefits?Two - In an ERISA Case, Can a Disability Carrier Legally Use the Dictionary of Occupational Titles to Determine Your Occupation?Three - Bench Trial or No Bench Trial in an ERISA Disability 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.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.

April 14, 2026Episode 1318 min

Understanding Aplastic Anemia and Its Impact on 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 6, Episode 13 of Winning Isn't Easy. In this episode, we'll dive into Understanding Aplastic Anemia and Its Impact on Long-Term Disability.Aplastic anemia is a rare but serious condition that can profoundly affect your ability to work. It’s not just an abnormal lab result - when the bone marrow fails to produce enough blood cells, fatigue, infections, bleeding risks, and cognitive difficulties can quickly interfere with daily functioning. In the context of a Long-Term Disability claim, these symptoms can create complex questions about work capacity, treatment, and medical documentation. In this episode, we break down what aplastic anemia is, how it develops, and why it matters for disability claims. We then examine the symptoms and functional limitations that often impact work, from severe fatigue to concentration challenges. Finally, we explore complications, treatments, and how these factors shape the disability claim process. If you or someone you care about is navigating aplastic anemia and a disability claim, this episode explains how the medical realities of the condition intersect with the documentation and strategy needed to support disability benefits.In this episode, we'll cover the following topics:One - What Is Aplastic Anemia?Two - Aplastic Anemia Symptoms and Their Link to DisabilityThree - Aplastic Anemia’s Complications, Treatment, and Their Link to DisabilityWhether 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.

April 7, 2026Episode 1220 min

How Disability Carriers Manufacture Reasons to Deny Claims

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 12 of Winning Isn't Easy. In this episode, we'll dive into How Disability Carriers Manufacture Reasons to Deny Claims.Imagine qualifying for Long-Term Disability benefits, only to have your insurer cite a vacation, a college class, or a game of pickleball as proof you can still work. Surveillance footage, social media posts, and selective medical reviews can quickly become the basis for a denial you never saw coming. ERISA disability claims often turn less on diagnoses or surgeries and more on how insurers interpret daily activities, medical records, and how “stable” a condition appears on paper. Routine moments of normal life can be reframed as evidence of employability, while peer reviews, surveillance, and insurer-friendly standards of review are used to justify terminating benefits. In this episode, we explore how everyday activities are weaponized against claimants, how medical stability is reinterpreted to argue work capacity, and why courts sometimes uphold these denials despite serious medical conditions. If you’re navigating - or trying to protect - an ERISA disability claim, this episode explains why careful documentation, precision, and strategy can make all the difference.In this episode, we'll cover the following topics:One - Can Taking an African Safari, Attending College Classes, and Playing Pickleball Destroy Your ERISA Long-Term Disability Claim?Two - How a Hartford ERISA Disability Claim for Rheumatoid Arthritis and Spine Surgery Played Out at the Any Occupation Stage of the ClaimThree - Is Discovery Allowed in an ERISA Disability Claim When the Carrier or Plan Has Created Reasons to Deny Your 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.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.

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Winning Isn&#39;t Easy: Long-Term Disability ERISA Claims