I came across this extremely informational blog: “How to Avoid Making Mistakes in your LTD/ERISA Statement or Field Visit” written by Florida long-term disability attorney Nancy Cavey. Like most states, in Florida, long term disability insurance is purchased individually or through one’s employer. Plans purchased privately in Florida are controlled by the state and those bought through an employer are controlled by the Federal Employee Retirement Income Security Act, or ERISA as it is commonly known.
Nancy Cavey warns readers that if a long-term disability or ERISA carrier calls and asks to take your statement or arrange a field visit, it means trouble. If that happens, it would be in your best interest to retain the services of an experienced and knowledgeable long-term disability lawyer such as Nancy Cavey before you make mistakes during your statement or field visit by the ERISA investigator. Such mistakes could cost you your long term disability benefits.
Cavey explains that disability claims are usually denied because there is no objective evidence of your diagnosis; no evidence of disability or no proof of the causal relationship between your disability and your inability to perform your job. The ERISA carrier will usually want to arrange a field visit because they question what your doctor has to say about your restrictions and what you are reporting on your Activities of Daily Living forms you are asked to complete.
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