Nancy L. Cavey

If you are thinking about applying for SSDI benefits on your own, let me offer some advice. My point of view is specifically for Florida as the process varies by state. When I had to leave my job because of medical conditions, I decided to apply for SSDI benefits. This is something you can do on... your own, but applicant should beware. After speaking to friends who went through this process in other states, they unanimously told me to hire a disability lawyer to represent me. I followed their advice and have never regretted it. The benefit ended up being invaluable. So looking on the internet, there are plenty of SSDI lawyers out there who can't wait to help you. I did initial consults with a 3-4 firms, but the Law Offices of Nancy Cavey stood out. When reading Nancy's profile, she tells the story of how she had to navigate the SSDI process with her family, and as a lawyer took on the charter to help others through what is a complicated, unorganized, extremely slow and some would argue arbitrary and unfair process. This commitment was enough for me to consider them for the running. During my initial consult I spoke with Assistant Attorney Krysti Monaco. It was clear from the conversation how verse she was with ERISA (LTD) and SSDI processes. She spent a lot of time with me and answered all of my questions (and I do ask a lot of questions). What I liked most about this firm was I was speaking with an actual lawyer who gave the personal feeling that I was just not another number. The other firms did not have this hands-on attention. Nancy Cavey Law was the real deal. So I am in my 60's and according to Google, getting SSDI benefits is supposed to be easier. HA! It took me almost 3 years to get my benefits, and that's with extensive medical records and multiple doctor recommendations. It was an awful and stressful period. The most difficult thing was waiting and being denied at multiple steps. I was constantly bugging Cavey Law for updates (I give them kudos for putting up with me) but they were in a rock and a hard place. The efficiency of SSA/DDS is out of their control. There was nothing they could do but wait, keep me assured and be prepared for each step. That is their real value here. I kept being denied benefits with what seemed to be a lack any real due diligence on SSA/DDS part. Cavey Law was right there to respond to each hurdle. Without delay! The 3 years that it took me, was due directly a result of the understaffed and inefficient SSA system. If it were not for Cavey Law it could have gone even longer or possibly never happen at all. What you should also know. I had 3 years of back benefits on the table. Had I tried this on my own and failed, I would have had to re-apply for benefits and that back pay could have gone away. In other words, benefits would be calculated from the new application date. This is another reason why you need a lawyer for this. There are so many prat-falls in this process it can be a costly mistake without one. The fees involved far weigh out the risks (IMO). So good luck to anyone applying for SSDI benefits. If you want to maximize your ability to be approved, Nancy Cavey Law is the right business to have on your side. Especially in Florida

I will start off with my personal experience of saying that I did not realize that long term disability companies were only in the business of rejecting claims with the hope that you ultimately give up. To take the time to fight them you need a team of legal professionals that have a wealth of expe...rience in dealing with their tactics and can help connect the dots. My husband and I will forever be thankful for the team at The Law Offices of Nancy L. Cavey! Nancy, Krysti and their team fought and won my husbands long term disability case for him and it has put our lives back together. It was a daunting task facing the complex world of long term disability but Nancy Cavey law firm expertly guided us every step of the way! Krysti, specifically, was so attentive to our questions and concerns and we appreciate her so much! We know without their help we would have never seen a dime. This office will be a tireless, hardworking and honest advocate for you and is the only law office we recommend. Thank you from the bottom of our hearts for everything you have done for us Nancy Cavey Law.

Another reviwer wrote, "Attorney Cavey has devoted her entire life to helping people get the disability benefits they desperately need and deserve. Florida is the hardest state in which to get benefits awarded." This statement is very true! Attorney Cavey and her team helped me to understand the l...ong process for putting my disability application together. Her legal staff was very patient with me and they helped me acquire and assemble the required documentation from three medical professionals who determined my full disability status. I will be forever grateful for the knowledge, professionalism and diligence of Attorney Cavey and her staff that resulted in achieving something that I could not do on my own. I highly recommend The Law Office of Nancy Cavey!

When I had to retire on disability, I figured "how hard could it be to fill out the forms for my insurer and for Social Security?". I found out. When my insurer denied my initial claim, just by chance I'd had two people close to me say THAT DAY that I might have a Ph.D., but I was NOT equipped to ...go nose-to nose with agencies and companies which basically exist to find reasons to tell you "no". Searching for someone relatively local to me who seemed like the "pitbull" I realized I needed, I found Nancy's info. From the first call, I felt like Nancy and her staff had lifted this incredible weight off of my shoulders. Now, understand that you DO have to listen to Nancy (or Krysti, or Megan) and if they have a form that only you have the ability to fill out...you have to do the form. They're not magic. But they explain exactly what you have to do, what you can do, and what you shouldn't do. OK, the elephant in many people's rooms: Can you afford a lawyer? When you're dealing with disability insurance and Social Security, and you're also dealing with your disability, doctor visits, and the unknown future of having to retire, sometimes far earlier than you imagined you would have to, I can promise you that 1) you really need someone who knows this aspect of the law, and 2) if you're like me, you have a million things to get done, and done right the first time, and the critical importance of your insurance and Social Security will overload your stress system. The paperwork itself is a weeks-long full-time job IF you want any chance of winning. How much is your time worth? And honestly, you'll probably lose if you go it alone. Some of you may have heard about a friend's cousin's bestie who single-handedly took on their employer's pension disability department, their own ERISA policy, and SSDI. All at once! And won all of them! And they gave her a flying unicorn too! And a puppy! Kidding aside, It comes down to this: you work for HOURS, over MONTHS and possibly YEARS, and one tiny omission or mistake, and you see "denied" again. Again, how much is YOUR time worth, for an outcome far less certain than if you hire, for example, Nancy Cavey? There was no up-front fee, and the contingency fees were in line with everyone else (they're written into the law in the case of Social Security). What you're getting is freedom from a huge amount of paperwork that Nancy and her paralegals know how to do far better than you do. You get freedom from remembering deadlines that can kill your case entirely. And at the end of the day, it's comforting to be able to think "yeah, my insurance/Social Security is a really important thing, but my lawyer's taking care of it". And Nancy and her staff did so, obtaining my disability insurance approval. I continue to work with Nancy Cavey, as I'm but halfway along my journey -- I'll update at some later era of the earth when SSDI gets back to us. Reminds me of the Fellowship of the Rings, and the Ents. Where did the Ent-wives go? Well, if they move and make decisions as slowly as their Ent-husbands, perhaps they found a home at Social Security (You have to be a REAL LOTR nerd to get that reference [it wasn't in the movies...]). Even though I still wait to I hear from Social Security, I do hear from Megan every little while, if just to let me know where in the bureaucracy my file has been moved. I'm far, far more hopeful that this too will go OK with Nancy Cavey's firm representing me. Nice, professional, competent. Great to find all three in one place. HIRE THIS ATTORNEY. You won't regret it. (PS: good luck on the bar, L3...:)