Resources

If you have applied for LTD, then you may have been notified that you have a long term disability elimination period. It can be confusing when you’re unable to work and need funds to pay bills. However, by working with a skilled LTD attorney, you can obtain the benefits you need in a reasonable amount of time. Read below to learn more about what an elimination period is and how it differs from a probationary period. You can also call CJ Henry Law Firm, P.C. for more information about your claim. WHAT IS AN ELIMINATION PERIOD? You may have heard the terms “elimination period” and “probationary period” in reference to your long term disability claim. These are two very different…Read More

Short term disability insurance policies are offered by many employers, and it may also be purchased as an individual plan. These policies provide benefits in the event that you have an inability to work, often after you have used your sick leave. You may wonder if you can get short term disability for maternity leave. In some cases, you may be able to, but it can be difficult to get such a claim approved. For help with your specific situation, contact CJ Henry Law Firm, PLLC. CAN I GET SHORT TERM DISABILITY FOR MATERNITY LEAVE? Short term disability will provide you with benefits if you become unable to work for a short period of time. That may include up to…Read More

Sleep is as vital to life as eating or breathing. If you are unable to sleep, you may find it difficult to complete everyday tasks of your life. You may wonder, “Is insomnia a disability?” Whether you can get disability benefits for insomnia and other sleep disorders depends on the severity and your ability to complete the duties of your job. Continue reading to learn more. To find out about your specific condition, contact CJ Hendry Law Firm, PLLC. WHAT IS INSOMNIA? Insomnia is a common sleep disorder that affects as many as 60 percent of adults at least one night per week. Common symptoms include trouble going to sleep and waking up before it is time for you to…Read More

Fibromyalgia, also called fibromyositis, is a chronic condition that is characterized by musculoskeletal pain, fatigue, and tenderness in localized areas. But when is fibromyalgia a disability according to the LTD company, and what you can expect in terms of being eligible for long-term disability benefits? How Do LTD Insurance Companies View Fibromyalgia? Historically, LTD insurance companies have given little weight to claims that involve only fibromyalgia. The condition is mainly based on the subjective complaints of the claimant, which can be disputed in a claim. If another severe medical condition was also involved, such as arthritis or degenerative disc disease, you may have better chance at getting your claim approved. Fibromyalgia is often seen as a logical extension of these other conditions, which are…Read More

If you are receiving LTD benefits and suddenly receive a letter from the insurance company that states you must meet the “any occupation” requirement, it may be confusing and seem unfair. After all, you've already met the qualifications for disability by proving you couldn't work. And you still can't work. So what is the insurance company talking about? Read below to learn more about the any occupation disability requirement and how to prove that you are still disabled. Understanding the Any Occupation Definition? Many LTD policies have a provision that defines total disability as being unable to perform the essential duties of: Your job or a reasonable alternative job offered by your employer for up to 24 months; and Any occupation…Read More

Narcolepsy is a condition caused by the brain’s inability to properly regulate the body’s sleep-wake cycle. People with narcolepsy often develop this neurological disorder in puberty, although it can take years for it to worsen to a point where other symptoms will manifest. But is narcolepsy a disability? Because narcoleptics may fall asleep at random or inopportune times, the disorder can be a disability if it significantly impact their ability to work. WHAT CAUSES NARCOLEPSY? While the cause of narcolepsy is unknown, studies show that many who suffer from narcolepsy don't have enough of the chemical hypocretin, which aids in sleep regulation and is responsible for making a person feel alert. People with narcolepsy may also have abnormalities in the parts of their brains that regulate REM sleep cycles. WHAT ARE SYMPTOMS OF NARCOLEPSY?…Read More

Is depression a disability? It can be, but getting a long-term disability insurer to approve a claim based on mental illness is an uphill battle. If you have a valid claim where your condition significantly impacts your ability to work, an Ocala FL LTD attorney can help. Clinical Depression and Bipolar Disorder While many people experience periods of feeling down, clinical depression is a mood disorder that is indicated by persistent feelings of sadness, isolation, and agitation. These feelings interfere with one’s daily life and can lead to fatigue, sleeplessness, changes in appetite, and other symptoms that make it impossible to work. Treatment often requires therapy and/or medication. People with bipolar disorder, often called manic-depressive disorder, also experience extreme depression that can affect their…Read More

Large insurance companies like The Standard are known for delaying and denying LTD claims. And the appeals process can be daunting and time-consuming. But with the help of an experienced The Standard Long-Term disability denial attorney, you can fight to get the benefits that you need. Who Is The Standard Insurance Company? The Standard is the fourth largest disability provider in the United States. They collect more than $1 billion in premiums each year for short- and long-term disability insurance. The Standard offers both group and individual plans, which range from basic to platinum options. Minnesota Mutual Life Insurance Company is the largest affiliate of the Securian Financial Group, and it partners with The Standard to provide disability insurance. Both…Read More

Whether you have a long-term disability plan through your employer or purchased one individually, you should be able to continue collecting a portion of your salary if you become unable to work. But what are long-term disability requirements for benefits eligibility? What hurdles do you have to clear in order to receive benefits? Where Can I Find the LTD Requirements for My Plan? If you are considering filing an LTD claim, you should look at the summary plan description for your long-term disability policy. If you don’t have one, ask for one from your human resources department or the insurance company if you have an individual plan. The plan should outline a precise definition of “disability.” In order to be…Read More