CJ Henry Law Firm, PLLC

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Ocala, FL 34471

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CJ Henry Law Firm, PLLC


Sun Life Long-Term Disability Denial
  • Published: June 26, 2019

If you filed a legitimate disability claim with Sun Life Assurance Company and received a denial, you're not alone. Sun Life has a well-known reputation for denying claims in addition to a long list of strategies to keep from paying you the benefits that are rightfully yours. Don't be intimidated by a Sun Life long-term disability denial. An Ocala FL LTD lawyer at CJ Henry Law Firm PLLC can help you file an appeal. Sun Life's Denial Strategies Deny, deny, deny. That's Sun Life's favorite response to long-term disability benefits claim and they have numerous reasons in their arsenal to delay or avoid paying your disability claim. Here are just a few. Endless Paperwork Sun Life may ask repeatedly for forms and reports you have… Read More

Do You Have a Lupus Disability Claim?
  • Published: June 24, 2019

If you have Lupus and it prevents you from performing the duties of your job and affects your daily life, you may qualify for Lupus disability benefits. What Is Lupus? Your immune system plays an important role in keeping your body healthy. A normally functioning immune system creates antibodies that attack bacteria, infections, and viruses. With Lupus, your immune system is tricked into producing auto-antibodies which cannot distinguish between bacteria and healthy tissue. These auto-antibodies destroy healthy tissue and can damage your joints, skin, blood vessels, and organs. Types of Lupus The most common type is systemic lupus erythematosus or SLE, which affects the skin, joints, internal organs, and the nervous system. Cutaneous Lupus affects only the skin and causes rashes and lesions. Subtypes… Read More

Is Addiction a Disability Under Your Insurance Plan?
  • Published: June 19, 2019

The opioid crisis in this country is a reminder that addiction affects the lives of all types of people. Prescription drugs as well as illegal drugs can lead to addiction and impact your ability to perform your job or manage your daily life. But is addiction a disability under your long-term disability insurance plan? It's important for you to be aware of what your policy covers. How Addiction Begins For many people, the road to addiction starts with an accident or injury. A doctor may prescribe medication to help manage the pain you experience. If the pain isn't controlled by the prescribed dosage, people may begin to misuse their prescription drugs or look for illegal drugs as a way to manage… Read More

How to Appeal a CIGNA Denial of Long-Term Disability Benefits
  • Published: June 17, 2019

Like many large insurance companies, CIGNA has been known to employ bad faith practices to avoid paying long-term disability benefits. Misplacement of medical records or repeated requests for authorization forms are just two of the many tactics the insurer uses to deny claims. If you're aware of the tactics CIGNA uses to deny your long-term disability benefits, that knowledge can help you prepare your claim and understand how to appeal a CIGNA denial. CIGNA's Denial Tactics 1. Failure to Provide Updated Medical Information When you apply for benefits, CIGNA will require you to sign forms to authorize your physician(s) to provide them with your medical records. If they do not receive authorization from your health professionals, they may deny your claim based on… Read More

Autoimmune Disease Disability Benefits
  • Published: June 13, 2019

When your immune system is functioning normally, your white blood cells sense the presence of foreign (or unhealthy) cells like viruses and bacteria, attacks and destroys them. When your immune system malfunctions, your white blood cells begin to attack healthy blood cells. Many autoimmune disorders are genetic or age-related but you can still qualify for autoimmune disease disability benefits. One word of caution. Your long-term disability insurance company may latch on to the genetic or age-related aspects of autoimmune disorders and deny your disability claim because they consider them pre-existing conditions or the results of natural aging. Don't be discouraged by these tactics. Insurance Companies May Unfairly Deny Your Claim Depending on whether you have an individual or group long-term… Read More

What to Consider When Applying for Mental Disability Benefits
  • Published: June 11, 2019

One of the most challenging long-term disability claims are for mental disorders, whether they are cognitive, emotional, psychological, or psychiatric in nature. Mental illnesses are not easy to diagnose, the symptoms can be difficult to assess, and it can be hard to provide measurable proof of the degree of disability. However, that doesn't mean you cannot receive mental disability benefits. It's important to be able to anticipate the potential obstacles facing you. Defining Mental Illness As awareness and understanding of mental illness developed, many insurance companies added the term "mental illness" to their disability policies. However, the definition of mental illness may leave a lot to be desired. Definitions may be unclear or ambiguous or may not apply to specific conditions.… Read More

  • Published: June 9, 2019

While it can be difficult to obtain cognitive impairment disability benefits, it is definitely possible. Here are some tips to help you prepare your disability benefits claim. What Is a Cognitive Impairment? The majority of people who file for disability benefits do so for cognitive impairment-related conditions. Cognitive disabilities include difficulty focusing, inability to multitask, memory loss, and trouble making decisions. Cognitive impairment is caused by brain injury, stroke, a psychiatric condition such as depression, or the side effects of medication. Environmental hazards such as chemicals and pesticides can also cause cognitive impairments. Symptoms of a Cognitive Impairment The severity of cognitive impairment varies from mild periods of forgetfulness to significant impairment that results in an individual being unable to care for him…Read More

Prudential Long-Term Disability Denial
  • Published: June 6, 2019

Prudential is a Fortune 500 company that's made upwards of $41 billion in profits. Like other huge insurance companies, Prudential knows that by denying legitimate claims and giving policyholders the runaround, they can increase their profit margins. If you received a Prudential long-term disability denial, an Ocala LTD attorney at CJ Henry Law Firm, PLLC can help. History of Bad Faith Practices Aside from denying legitimate claims, Prudential's bad faith practices include delaying benefit claim payments and convincing policyholders to settle for less money than they deserve. They count on wearing you down so you won't put up a fight. Don't fall prey to these tactics. A qualified disability attorney can be your advocate when you're too sick to pursue your claim or… Read More

Herniated Disc Disability Benefits
  • Published: June 3, 2019

Back pain is the most common debilitating condition in the United States: Almost half of the American workers experience back or neck pain each year Back pain accounts for over 250,000 days of lost work Workers lose approximately $50 billion a year in wages due to back pain Many insurers limit back claimants from receiving long-term disability benefits. But an experienced Ocala FL disability attorney can fight for you. To learn more about qualifying for herniated disc disability benefits, contact CJ Henry Law Firm, PLLC today. Back Structure and Types of Pain Many people confuse the spine with the spinal cord. The spinal cord is a series of nerves and nerve fibers that sends messages to the brain. It's the biggest nerve… Read More

How Insurance Companies Determine RSD Disability Benefits Eligibility
  • Published: May 28, 2019

Reflex Sympathetic Dystrophy Syndrome (RSDS), also referred to as Complex Regional Pain Syndrome (CRPS), is a disorder characterized by chronic pain that begins after an injury, stroke, or heart attack. Typically, the pain associated with RSD is worse than the pain from the precipitating injury and may evolve into an RSD disability. Doctors don't know the exact cause of the syndrome, but there are effective treatments available. What Is RSD? RSD involves the body's sympathetic nervous system, which controls our fight or flight responses. Doctors think the cause of the pain comes from mixed signals sent by the nervous system. In essence, the sympathetic system responds or turns on after an injury but doesn't turn off the way it should. It is possible to get RSD without incurring an… Read More

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