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If you are unable to work for a period of time and you have long term disability (LTD) benefits, you should contact an ERISA law firm to help you navigate the claims process. When you’re unable to work, you may feel overwhelmed and unsure of what to do. However, you don’t have to deal with the situation alone. An Ocala FL ERISA law firm can answer your questions about LTD benefits and advise help you understand your plan. Call CJ Henry Law Firm, PLLC for more information about your specific case. 1. How Does Your LTD Policy Define “Disability”? Your long term disability policy may define disability in a broad manner or narrowly. It’s important to know how disability is defined before filing for LTD…Read More

When an employee is injured or develops a serious illness that prevents them from working over a long period of time, they may be able to receive long-term disability benefits if their employer has a plan that covers them. Whether or not your policy will pay out in your situation will depend heavily on the terms of the policy. The process of applying for long-term disability benefits tends to be unnecessarily cumbersome. Many folks find themselves running around in circles attempting to provide the insurance company with enough evidence to validate their claim. CJ Henry Law Firm, PLLC helps those in the often confusing and frustrating process of applying for long-term disability benefits. Please contact us to learn more about how an insurance claims attorney can…Read More

Long-term disability benefits are different from Social Security disability benefits. Generally speaking, your qualification for long-term disability benefits hinges on the fact that you can no longer work your current job and that you cannot work any job that allows you earn at least 60% of what you were earning before you went on disability. So can you work on long-term disability? You can, but going back to work could jeopardize your disability benefits. CJ Henry Law Firm combines years of experience in both the legal and medical fields to deliver successful outcomes for our clients. Those who have to fight for their disability benefits will find a team tireless advocates who understand how insurance companies work and will get the evidence…Read More

If you are unable to work due to an injury or illness, you should consult a long term disability attorney to find out if you can obtain benefits. Filing an LTD claim can be complicated, and many claims are denied. A single error in your application or a missed deadline could jeopardize your claim. Work with a long term disability attorney to have a better chance of obtaining benefits quickly and avoid costly mistakes. Call CJ Henry Law Firm, PLLC today to find out how we can help you. What Can a Long Term Disability Attorney Do to Help Me? Prepare Your Claims File for a Lawsuit Preparing a claims file for a lawsuit is important is crucial to maximizing your chances…Read More

The federal Employee Retirement Income Security Act (ERISA) provides guidance for retirement plans as well as welfare benefit plans provided by employers. This includes 401(k) plans, profit sharing plans, pensions, life insurance, health insurance, disability plans, dental, and other benefits. The Department of Labor (DOL) enforces ERISA compliance as well as ensures that employers who offer benefits plans comply with the law. ERISA compliance is an important issue for employees receiving benefits from their employers. If you think your employer or benefits plans are not in compliance with ERISA, contact an ERISA attorney at CJ Henry Law Firm, PLLC today. ERISA Compliance Requirements for Health & Welfare Plans Most health and welfare plans for employees must comply with ERISA. This is true no matter the size of the plan group…Read More

If you are disabled and need to apply for ERISA insurance benefits, you should know that the insurance company will thoroughly investigate your claim. You will have to comply with the plan administrator’s requests for information regarding your medical condition, work background, and functional abilities. It's important to work with a skilled attorney who will review your situation and help you through the process. Call CJ Henry Law Firm today to find out more about your claim. What Happens When You Apply for ERISA Disability Insurance? The goal of any insurance company is to minimize or quickly deny claims so that they do not have to pay out as much money. Thus, you should work with an attorney who can help you correspond with the ERISA insurance…Read More

Insurance companies that offer long-term disability policies protect the interests of their policyholders and themselves, not their beneficiaries. If there exists any legal way for an insurance company to deny a claim, they likely will. They will not go out of their way to prove the validity of your claim. They will only go out of their way to disprove the validity of your claim. If you’ve made a claim on your long-term disability policy, you may be in for a significant battle. At CJ Henry Law Firm, we have successfully helped our clients appeal denied disability insurance claims. If you have had your first claim denied, the battle isn’t over; it’s just begun. Contact us today to speak to…Read More

When applying for long term disability benefits, you need to prove that your medical or psychological problems prevent you from being able to work. But how do you know whether you're eligible to receive benefits? If you are unable to work at your current job, you may think you should be able to claim LTD insurance benefits. However, sometimes your ERISA plan may specify that in order to qualify for benefits, you must be unable to complete any work at all. The difference can be difficult to determine. ERISA plans can be extremely complex. If you have a claim, a long term disability lawyer can help. Contact CJ Henry Law Firm today. Where Can I Find Details About Eligibility for Benefits? When you…Read More

When you file for disability, the insurance company will try to avoid paying out and delay approving your claim. They may even use surveillance tactics to obtain evidence for a claim denial. If you suspect that the insurance company is watching you, contact an insurance claim lawyer who can help you protect yourself and your claim. Call CJ Henry Law Firm today for more information. Insurance Companies Will Use Surveillance Evidence Against You Insurance companies often use surveillance tactics to disprove all or part of a disability claim, trying to uncovering evidence that will lead to the truth in a matter. They may dispute the limitations you are claiming or prove that you are not disabled at all. The insurance company may…Read More

One of the common issues that arises in disability insurance disputes is whether or not a claimant meets the definition of gainfully employed. It might sound like a simple concept; however, your insurance company may use very technical terms. When working through disability insurance disputes, you should work with an attorney who can help you through the process. The insurance company has specialized knowledge, and they may use a legal team to manage your case. You deserve to have a legal professional on your side too. Call CJ Henry Law Firm today to find out how a disability lawyer can help you. Long Term Disability Policies Define Disability in One of Two Ways Disability insurance companies often define disability to…Read More