Resources

If you are disabled and are collecting benefits from either an individual or group insurance disability policy, you'll be required by your insurance company to apply for Social Security disability benefits. Why? Because insurance companies can reduce the amount they pay for LTD benefits when you collect Social Security benefits. So how does long-term disability work with Social Security disability? At CJ Henry Law Firm, PLLC, we can help answer your questions and provide you with valuable legal advice. Contact us today. What Is an Offset? You file a long-term disability claim from your insurance company. The amount of your LTD benefit is $2,000 per month. Your insurance company will require you to file for Social Security LTD benefits. Social Security will…Read More

You may have one or more types of limitations which make it difficult or impossible to perform the activities necessary for your job. If your disability restricts your physical movement or ability to sit, stand, or carry objects, it is an exertional limitation. The inability to perform functions such as typing or writing are nonexertional limitations. The insurance company will examine what you can do and determine if there's a job you can perform. They will also look at activities you cannot perform and will rule out the jobs you are unable to do. The information culminating from the review of both types of limitations is called a residual functional capacity (RFC) report. To determine whether you qualify for long-term disability benefits, the…Read More

If you filed a long-term disability claim and were denied, don't give up hope. You can, and should, appeal a long-term disability insurance denial. Below, we outline steps to build the best case for your appeal. To learn more, speak to an Ocala FL long-term disability attorney at CJ Henry Law Firm, PLLC today. 1. Make Sure Your Appeal Is Comprehensive Filing an administrative appeal may be your last chance to include information to support your case. If you leave something out, you may not be able to add anything for future litigation. 2. Pay Attention to the Appeal Deadline You have 180 days to file an appeal. Take this deadline seriously. If you miss the date, the insurance company and the court may refuse…Read More

Is Tinnitus a disability? Yes. Tinnitus can be a long-term, debilitating condition even with treatment. It may take some effort to get past the barriers some insurance companies place in your path, but an Ocala FL LTD attorney can help you improve your chances of receiving long-term disability benefits for tinnitus. Here's what to know before applying. What Is Tinnitus? Tinnitus is a condition characterized by noises in one or both ears and may be a ringing, buzzing, clicking, or hissing sound. The noise can be low or high pitch and the symptoms can be severe. Inability to concentrate or to follow conversations, poor memory, loss of sleep, extreme fatigue, anxiety, and depression can result from tinnitus. In addition to noise, tinnitus…Read More

Huntington's disease is a rare genetic condition that causes a breakdown of the nerve cells in the brain. The disease usually manifests itself in middle age, but it can develop in younger people as well. Once the symptoms appear, they progress rapidly. Unfortunately, the younger the person is when the disease strikes, the more quickly it progresses. Below, we explain what you need to know before filing a Huntington's disease disability benefit claim. For more information, contact CJ Henry Law Firm, PLLC today. Explaining Your Progressive Symptoms Your insurance company may question why you were able to work prior to your disability claim. Since Huntington's disease is different for everyone, it is important to document the progression of the disease and…Read More

Keeping long-term disability benefit applicants or recipients under surveillance is one way insurance companies try to avoid paying disability claims. And unfortunately, it works pretty well. Every year, insurance companies deny disability benefits using surveillance evidence. Conducting surveillance allows insurance companies to save thousands of dollars a year. So they will look for evidence that contradicts your disability claim, and you may be surprised how far an insurance company will go to collect that evidence. Below, we discuss insurance company surveillance tactics used to deny long-term disability benefits, and what you can do to protect yourself. To learn more, contact CJ Henry Law Firm, PLLC today. 1. A Background Check May Be in Your Future Insurance companies typically hire an outside,…Read More

ALS is a devastating neurodegenerative disease that affects the body's nervous system. It attacks the nerve cells that control your body's voluntary muscles. Even though the disease is debilitating and there is no cure, insurance companies still require adequate documentation to support your disability claim. Because many symptoms are subjective, you'll have to demonstrate how you are disabled due to Complex Regional Pain Syndrome (CRPS). If you have been diagnosed with amyotrophic lateral sclerosis or ALS, speak to a long-term disability lawyer at CJ Henry Law Firm, PLLC to find out whether you qualify for ALS disability benefits. What Are the Signs and Symptoms of ALS? The early symptoms of ALS and its rate of progression are different for everyone. Symptoms may begin in the arms, hands, or legs and spread to other…Read More

A functional capacity evaluation is an objective way to provide information about your disability to your insurance provider or physician. It may help you with your disability benefits claim because the evaluation measures your physical abilities and limitations. The FCE is not appropriate for visual or hearing injuries or cognitive issues. It's a series of tests that measure your range of motion, motor skills, balance, muscle weakness, difficulty maneuvering, and pain levels. An Ocala FL long-term disability attorney can advise you as to what to expect at an FCE and how it could impact your claim. Contact CJ Henry Law Firm, PLLC today to learn more. What Happens During the Evaluation? A medical professional, such as an occupational therapist or a physician specializing in rehabilitation or occupational…Read More

Because many symptoms of Complex Regional Pain Syndrome are subjective, proving disability can be quite difficult. In order to increase the likelihood of receiving an approval for long term disability benefits, it's important to know how to substantiate your CRPS disability claim. An Ocala FL LTD attorney at CJ Henry Law Firm, PLLC can help you ensure that you have the documentation necessary for your claim. Contact us today to learn more. What Is CRPS? CRPS is a chronic disease affecting the sympathetic nervous system — the part of your nervous system that controls your fight-or-flight response. The disease affects more women than men and can cause such debilitating pain it can interfere with your quality of life, ability to work, and your mental health. Documenting the Symptoms…Read More