Resources

It’s always gratifying when our clients receive the justice they deserve, like Lori. She’s a dental hygienist, who worked with our law firm and a new medical provider to win the benefits she deserved. Lori’s story starts like so many disability claims – with a denial. On a daily basis, Lori frequently stands, sits, lifts, stretches, grasps and handles dental equipment, and works overhead while performing her occupational duties. However, after suffering multiple injuries from two car accidents, Lori was unable to perform her hygienist duties. Initially, Lori’s Short-Term Disability claim was honored by Mutual of Omaha. But, one week before starting her Long-Term Disability, Lori’s benefits were cut off. It was at this critical juncture when Lori phoned our…Read More

Do you know a nurse like Karen Card? Karen is a nurse night shift supervisor who, no doubt, cared deeply for her sick patients…until she got sick and filed for disability. Karen is like any other medical professional among the 1.5 million Americans at-risk for losing their jobs and homes last year due to a medical crisis. In Karen’s case – Card v. Principal Life Insurance Company, 2019 WL 5618182 (6th Cir. Oct. 32, 2019) – it was the denial of her disability insurance claim for six years. This hardworking night nurse was diagnosed with Chronic Lymphocytic Leukemia in February 2013. Suffering from night sweats, exhaustion and fatigue, her health began declining. Over the next six months, Karen continued working…Read More

What gets me up early in the morning and keeps me at the office long after my husband, Cecil, expects me home for dinner, is the ultimate joy when our legal team scores a victory for our clients. Why? Because we know we’ve made a big difference in their lives. Take our recent battle – and win – for a local CT technologist suffering from Fibromyalgia and Chronic Fatigue whose insurance company denied her disability. We’ll call our client ‘Jane Doe’ because that’s the name lawyers call clients whose identity they want to protect. If you’ve ever had a CAT scan, you have met a ‘Jane Doe’. She’s the medical professional who calms your fears while positioning your body ‘just…Read More

When you obtain a life insurance policy, you must select a beneficiary. Some people want to later change that beneficiary. Whether or not you can make that change depends on several factors. You must review your specific policy and determine if you have an irrevocable beneficiary. To learn more about your situation, contact CJ Henry Law Firm, PLLC today. WHAT IS A BENEFICIARY? A beneficiary is the person or entity you name in your life insurance policy who will receive the benefits of that policy upon your death. You may name one or more people, the trustee of a trust that you establish, a non-profit organization, or other company as your beneficiary. A life insurance policy may have a revocable or irrevocable…Read More

If you have long term disability insurance through your employer, then the plan is likely subject to compliance with ERISA. ERISA, or the Employment Retirement Income Security Act of 1974, is a federal law that sets standards for many employer-provided benefits. Your long-term disability insurance plan may be subject to an array of ERISA compliance issues, and you likely have questions. Learn more from CJ Henry Law Firm, PLLC today. IS MY POLICY COVERED BY ERISA? It’s important to determine whether or not your long term disability policy is governed by ERISA. While most employer sponsored plans are covered, others are not. If you work for a government entity (federal, state, or local), Indian tribal entities, or a church, your…Read More

If you have any occupational disability, you may wonder what is the definition of gainful occupation so that you can determine if you are eligibility for long-term disability benefits. This definition can mean the difference between being able to make ends meet while you recover from an injury or illness. To learn more about your specific situation, contact CJ Henry Law Firm, PLLC. HOW DO LONG-TERM DISABILITY INSURANCE COMPANIES DEFINE DISABILITY? LTD policies generally define disability in one of two ways: “Own Occupation” Policies - You may be disabled if you cannot perform the duties of your own occupation. “Any Occupation” Policies – You may be disabled if you cannot perform the duties of any occupation for which you are…Read More

Retinitis pigmentosa disability benefits may be available if you have an individual or group LTD plan and meet eligibility requirements. If you are suffering from this condition and it prevents you from completing your work duties, you should consider filing for LTD benefits. Learn more about retinitis pigmentosa and how to obtain benefits below. Call CJ Henry Law Firm, PLLC for more information about your specific condition and your next best steps. WHAT IS RETINITIS PIGMENTOSA? Retinitis pigmentosa (RP) is a rare genetic disorder that involve the cells of the retina, or the lining of the back of the eye, to break down and the cells die. It can begin at any period of life, from infancy to old age.…Read More

Companies often use disability surveillance tactics in an attempt to discover that a claimant is not really hurt and should be able to work. Their goal is to deny or terminate a claim. Long term disability companies can potentially lose millions per year on fraudulent claims, so they invest significant time and effort into determining which claims are legitimate. This often penalizes people who are really hurt and deserve disability benefits. If you think you’re being investigated by a LTD company in order to deny or terminate your benefits, you should consult with a disability attorney right away. We can give you some necessary advice to help you maintain your legitimate benefits. Call CJ Henry Law Firm, PLLC today for help. WHAT…Read More

If you are unable to work due to injury or illness, you may file a long-term disability claim to try to obtain benefits. Unfortunately, many LTD claims are denied. A skilled disability attorney can evaluate your situation and help you determine why your long-term disability was denied. Call CJ Henry Law Firm, PLLC today for help. WHO DENIES LTD CLAIMS? When long-term disability policies are provided by employers, they are governed by the Employee Retirement Income Security Act (ERISA), which is a federal law. Under this law, claims administrators who work for an insurance company evaluate LTD applications and make determinations about who may receive benefits. Deserving claims are often denied. COMMON REASONS LONG-TERM DISABILITY IS DENIED Long-term disability applications…Read More