Resources

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

It's no surprise that insurance companies want to make as much money as possible for their stockholders. Unfortunately, they often do so at the expense of their policyholders. This practice is all too common, especially among big insurance companies like Lincoln. If you received a Lincoln long-term disability denial, a disability lawyer at CJ Henry Law Firm PLLC can help. How Insurance Companies Use Policyholders to Make More Money Lincoln Financial, also known as Lincoln National Corp., is a multi-billion dollar company. In 2016, their revenues topped $13.8 billion. Yet, Lincoln Financial routinely tries to pad its coffers using a variety of unfair and unethical tactics. Denying legitimate benefits claims to policyholders Attempting to get policyholders to accept less money than their claims…Read More

Chronic pelvic and bladder pain and the disruptive nature of excessive urination could qualify you to receive disability benefits. While frequent urination may not seem to be a plausible reason to receive long-term disability benefits, for a person who needs to urinate 50 or 60 times per day, it's easy to understand how debilitating interstitial cystitis can be. Learn more about interstitial cystitis disability below. Understanding Interstitial Cystitis Interstitial cystitis affects the bladder, which is the organ that stores urine. The bladder is hollow and expands or contracts based on the amount of urine it contains. When the bladder is full, nerves in the brain signal to you that it's time to urinate. The brain then sends a similar message to the bladder…Read More

When you purchase a disability insurance policy in good faith, you expect to receive benefits if the need ever arises. However, many insurance companies don't reciprocate in good faith and try to avoid paying disability benefits. The Hartford Financial Services Group has earned a whopping revenue of over $26 billion dollars in recent years and often adds to that revenue by denying a legitimate individual or ERISA disability claim. If you have received a Hartford long-term disability denial, we can help. Common Long-Term Disability Denial Tactics Employed by The Hartford It is unfortunate that The Hartford is among a group of insurance companies who regularly try to avoid paying benefits using a number of bad faith practices. The following list includes just a…Read More

Your kidneys play a critical part in keeping your body healthy by filtering out the toxins in your blood. Your kidneys also produce the hormones that make red blood cells, activate vitamin D to develop strong bones and regulate your blood pressure. Chronic kidney disease (CDK) is life-threatening and treatments for CDK are expensive and can last for years or for your lifetime. Long-term disability benefits are often a necessity to offset the cost of treatment, medication, or kidney transplant surgery. Understanding Kidney Disease Unfortunately, there is no cure for chronic kidney disease, and it will eventually lead to end-stage renal disease (ESRD) or kidney failure. Once an individual reaches ESRD, there are only two choices to extend a person's life. The first…Read More

What Is Hepatitis C? Most people have heard of Hepatitis, but may not know how it affects the body. Hepatitis is inflammation of the liver, usually caused by a virus, and it can have lasting effects on your overall health. While there are several types of Hepatitis, the most common types are A, B, or C. Unlike Hepatitis B and C, there is a vaccine for Hepatitis A which typically prevents chronic illness. Both Hepatitis B and C are caused by a virus, HBV and HCV respectively. Depending on the severity of the infection, Hepatitis B can last a few weeks or become a more serious chronic condition. Hepatitis C can manifest as an acute illness, but most of the time it becomes a chronic…Read More

It is an unfortunate fact of life that some of the companies we depend upon to help us through difficult times let us down when it comes time to deliver. A prime example of the disappointment and frustration insurance policyholders can face is a denial of a valid disability claim. If you've received a Liberty Mutual long-term disability denial, an experienced Ocala FL LTD attorney at CJ Henry Law Firm PLLC can help. Liberty Mutual Leads the Way in Consumer Complaints Despite the friendly advertisements, Liberty Mutual has a long history of consumer complaints. A report from the American Association of Justice lists the insurance company as one of the ten worst in the country. Dubious Practices Are All Too Common There is…Read More

You filed a disability benefits claim with your insurance company and received a denial. Then, you filed an appeal but your claim was denied again. Now you may be wondering, what are my options? At CJ Henry Law Firm, PLLC, we can help you determine whether or not pursuing an ERISA lawsuit is right for you. To learn more about ERISA litigation, contact an Ocala FL ERISA attorney today. When Can You Begin an ERISA Lawsuit? You can't begin an ERISA lawsuit until you have exhausted all other claims appeals. This includes filing an administrative appeal and receiving a denial. Depending on your policy, you may have to file several administrative appeals or only one. There is a deadline in which to file your lawsuit. This is often governed by your insurance policy, so check the terms…Read More