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Welcome to Season 5, Episode 32 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability Claims: Your Questions About the Medical Side, Answered."

Most people assume proving disability is as simple as saying, “I can’t work.” But in ERISA claims, the medical side is where cases are often won - or lost. A diagnosis or doctor’s note isn’t enough. Carriers want detailed, consistent proof showing exactly how your conditions limit your ability to function. In this episode of Winning Isn’t Easy, we’re answering your medical questions about disability claims - and breaking down the traps insurers use to deny benefits. What happens when multiple conditions - like back pain, fatigue, and migraines - keep you from working, but insurers minimize their combined effect? How do mental health caps and exclusions for “subjective” conditions like fibromyalgia change your claim? And what are insurers really looking for in your medical records? Disability law expert Nancy L. Cavey explains how to use residual functional capacity forms to your advantage, avoid policy pitfalls, and make sure your records tell the full story. We’ll also tackle listener-submitted medical questions with practical steps you can use right now. If you’ve worried about whether your documentation is strong enough or struggled to show how your conditions prevent you from working, this episode will give you the tools - and confidence - to protect your benefits. Winning isn’t easy, but understanding the medical side puts you in control.

In this episode, we'll cover the following topics:

One - Multiple Disabilities and Residual Functional Capacity

Two - Policy Limitations – Mental Health, Subjective Conditions, and Benefit Amounts

Three - What Insurers Look for in Your Medical Records and Functional Capacity

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-mind
LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits
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.
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Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.