CJ Henry Law Firm, PLLC

2303 East Fort King Street
Ocala, FL 34471

Call For A Free Consultation

(352) 577-7746

CJ Henry Law Firm, PLLC


Short-Term vs. Long-Term Disability: What’s the Difference?
  • Published: August 12, 2019

If you experience an unexpected injury or illness, disability insurance is as important to your financial well-being as medical care is to your physical well-being. Most people get disability benefits through their employer. But it is possible to purchase an individual policy if disability insurance is not offered by your employer or if you want to supplement the coverage that's available. But what is the difference between short-term vs. long-term disability? The main differences between short and long-term disability are how long benefits last and what percentage of your income you will receive.  Understanding How Short-Term Disability Insurance Works Short-term disability insurance will cover injuries, illness, and it is used to replace income during pregnancy. The amount of time you can… Read More

Is COPD a Disability?
  • Published: August 7, 2019

Chronic obstructive pulmonary disease or COPD causes inflammation of the lungs and limits airflow to the body. COPD is usually the result of exposure to airborne irritants, or in rare cases, a genetic abnormality. But is COPD a disability? Yes, if your symptoms are severe and your are unable to work as a result, you may eligible for disability benefits. What Are the Causes of COPD? COPD is an inflammatory disease that affects the lungs and restricts your ability to breathe. Conditions such as emphysema and chronic bronchitis are considered types of COPD. Generally, COPD is caused by exposure to irritants such as cigarette smoke, harmful gases, dust from wood, grain, or coal, or reflux disease. In rare cases, COPD may be caused by a genetic abnormality related to an AAT-deficiency. What Are the… Read More

Northwestern Mutual Long-Term Disability Denial
  • Published: August 5, 2019

The purpose of disability insurance is to help you in the event an accident or an illness prevents you from working. Unfortunately, many insurance companies like Northwestern Mutual are more interested in collecting premiums than paying disability benefits. Insurance companies often use unfair practices to delay payments or avoid paying claims altogether. If you received a Northwestern Mutual long-term disability denial, you don't have to accept it as the end of your claim. How Does Short-Term and Long-Term Disability Insurance Work? Northwestern Mutual offers both short and long-term disability policies that allow employees to supplement insurance coverage provided by their employers. Both types of disability insurance have an elimination period or waiting period between the time of your accident or illness and when the coverage begins.… Read More

How Long Does Long-Term Disability Last?
  • Published: July 24, 2019

You've decided to apply for disability insurance. But how long does long-term disability last? The answer will depend on the type of policy you have. Below, we discuss what to look for, like your policy's elimination period and length of benefit period. How Long-Term Disability Benefits Work The elimination period, or waiting period, will determine how long you have to wait before you can receive benefits. You may have to wait 30, 60, or 90 days or the wait period could be 6 months to a year. The benefit period is the length of time your insurance company will pay you disability benefits. You choose the length of time you'll receive benefits when purchasing your policy. You can decide if you want… Read More

Do You Qualify for Paralysis Disability Benefits?
  • Published: July 22, 2019

Applying for paralysis disability benefits or appealing a denial can be an overwhelming process. An Ocala FL long-term disability attorney can help. What Is Paralysis? Paralysis is caused by nerve damage and can be localized to a specific part of the body or generalized depending on the part of the body affected and the cause of the paralysis. You may be unable to use your arms, legs, or the paralysis or other muscles such as your vocal cords. There are a variety of diseases or injuries that can cause nerve damage. Multiple Sclerosis Guillain-Barre syndrome Spinal column injuries Spinal cord injuries Lupus Stroke Paralysis may be temporary or permanent and may make it impossible for you to perform your work duties. If you… Read More

How to Handle a Guardian Long-Term Disability Denial
  • Published: July 18, 2019

If you’re on a Guardian long-term disability policy, and you need to cash in on that policy, chances are that you’re in for a fight. Disability insurance is supposed to cover you when the unexpected happens. Unfortunately, policyholders with Guardian Life often don't get the security they've paid for. If you have received a Guardian long-term disability denial, an Ocala FL LTD lawyer can help you fight for the benefits you deserve. Types of Guardian Disability Insurance Policies Guardian (Guardian Life Insurance Company of America) sells both life and disability insurance and policies can be purchased from an employer or individually. Group Disability Insurance This is the type of disability insurance you typically receive from an employer. It covers between 40 and 60% of your… Read More

Long-Term Disability Pregnancy Benefits
  • Published: July 15, 2019

Why do women need to consider long-term disability pregnancy benefits? Because complications from pregnancy are more common than many people realize. As many as 25% of pregnancies result in some type of complication such as the need for a C-section, preeclampsia, or postpartum depression (PPD). In the case of PPD, nearly 15% of women experience depression after childbirth. You'll need additional time to receive appropriate treatment and to recover. Pregnancy can also cause dormant illnesses to manifest themselves resulting in unforeseen illnesses. Long-term disability pregnancy benefits could help protect your income in the event you experience serious or lasting complications associated with pregnancy. Traditional Pregnancy Income Replacement Typically, time off for maternity leave consists of a combination of personal vacation time, company-provided maternity leave,… Read More

What Are the Eligibility Requirements for Ataxia Disability Benefits?
  • Published: July 11, 2019

Ataxia is a condition that affects voluntary muscle movements such as walking, speech, eye movement, and swallowing. Ataxia is usually caused by damage to the cerebellum from brain trauma, stroke, cerebral palsy, encephalitis, or other brain infections. Severe cases of ataxia can make it impossible to work and may make day-to-day living very difficult. Not everyone with the condition will be eligible for ataxia disability benefits, but an experienced LTD attorney at CJ Henry Law Firm PLLC can assist you in determining your eligibility and can help you file a claim with your insurance company. What Is Ataxia? Generally speaking, ataxia is defined as a loss of the ability to control voluntary muscle movements including walking, speaking, eye movement, and swallowing. There… Read More

  • Published: July 3, 2019

As many as 25% of American workers will experience an unexpected illness or injury that will prevent them from working. In the event of a long-term disability, insurance policyholders expect their insurance coverage to be there as a financial support system. However, for people insured by Metropolitan Life (MetLife), that may not be the case.  Unfortunately, large insurance companies like MetLife often employ unfair practices to deny legitimate disability claims and increase their revenues. Unfair or bad faith practices include asking for large amounts of paperwork, delaying decisions on a claim, trying to settle a claim for less than its value, or requesting exams by independent medical professionals. If you have received a MetLife long-term disability denial, there are things you can do to appeal the… Read More

What You Should Know About Filing an ERISA Disability Appeal
  • Published: July 2, 2019

Private disability insurance companies do not make the process of filing a claim simple or easy. The standard of proof on your end is incredibly high. Most claims will be denied, or the insurance company will claim they require more information. For that reason, many people enlist the help of an ERISA disability appeal attorney to handle both the claims process and the appeals process. A denial is not the end of the road. You can appeal the decision. CJ Henry Law Firm PLLC can guide you through the filing a claim with your ERISA disability insurance providers, as well as help you with your ERISA disability appeal in the event that your claim is denied. Contact us today to… Read More

Page 5 of 61:«1... 34567... 61»