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When you obtain a life insurance policy, you must select a beneficiary. Some people want to later change that beneficiary. Whether or not you can make that change depends on several factors. You must review your specific policy and determine if you have an irrevocable beneficiary. To learn more about your situation, contact CJ Henry Law Firm, PLLC today. WHAT IS A BENEFICIARY? A beneficiary is the person or entity you name in your life insurance policy who will receive the benefits of that policy upon your death. You may name one or more people, the trustee of a trust that you establish, a non-profit organization, or other company as your beneficiary. A life insurance policy may have a revocable or irrevocable…Read More

If you have long term disability insurance through your employer, then the plan is likely subject to compliance with ERISA. ERISA, or the Employment Retirement Income Security Act of 1974, is a federal law that sets standards for many employer-provided benefits. Your long-term disability insurance plan may be subject to an array of ERISA compliance issues, and you likely have questions. Learn more from CJ Henry Law Firm, PLLC today. IS MY POLICY COVERED BY ERISA? It’s important to determine whether or not your long term disability policy is governed by ERISA. While most employer sponsored plans are covered, others are not. If you work for a government entity (federal, state, or local), Indian tribal entities, or a church, your…Read More

If you have any occupational disability, you may wonder what is the definition of gainful occupation so that you can determine if you are eligibility for long-term disability benefits. This definition can mean the difference between being able to make ends meet while you recover from an injury or illness. To learn more about your specific situation, contact CJ Henry Law Firm, PLLC. HOW DO LONG-TERM DISABILITY INSURANCE COMPANIES DEFINE DISABILITY? LTD policies generally define disability in one of two ways: “Own Occupation” Policies - You may be disabled if you cannot perform the duties of your own occupation. “Any Occupation” Policies – You may be disabled if you cannot perform the duties of any occupation for which you are…Read More

Retinitis pigmentosa disability benefits may be available if you have an individual or group LTD plan and meet eligibility requirements. If you are suffering from this condition and it prevents you from completing your work duties, you should consider filing for LTD benefits. Learn more about retinitis pigmentosa and how to obtain benefits below. Call CJ Henry Law Firm, PLLC for more information about your specific condition and your next best steps. WHAT IS RETINITIS PIGMENTOSA? Retinitis pigmentosa (RP) is a rare genetic disorder that involve the cells of the retina, or the lining of the back of the eye, to break down and the cells die. It can begin at any period of life, from infancy to old age.…Read More

Companies often use disability surveillance tactics in an attempt to discover that a claimant is not really hurt and should be able to work. Their goal is to deny or terminate a claim. Long term disability companies can potentially lose millions per year on fraudulent claims, so they invest significant time and effort into determining which claims are legitimate. This often penalizes people who are really hurt and deserve disability benefits. If you think you’re being investigated by a LTD company in order to deny or terminate your benefits, you should consult with a disability attorney right away. We can give you some necessary advice to help you maintain your legitimate benefits. Call CJ Henry Law Firm, PLLC today for help. WHAT…Read More

If you are unable to work due to injury or illness, you may file a long-term disability claim to try to obtain benefits. Unfortunately, many LTD claims are denied. A skilled disability attorney can evaluate your situation and help you determine why your long-term disability was denied. Call CJ Henry Law Firm, PLLC today for help. WHO DENIES LTD CLAIMS? When long-term disability policies are provided by employers, they are governed by the Employee Retirement Income Security Act (ERISA), which is a federal law. Under this law, claims administrators who work for an insurance company evaluate LTD applications and make determinations about who may receive benefits. Deserving claims are often denied. COMMON REASONS LONG-TERM DISABILITY IS DENIED Long-term disability applications…Read More

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