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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
Florida has no state-mandated short-term disability program. Those who require such a program must purchase a policy in advance of their disability that pays out if they become injured. Nonetheless, there are certain options available to you if you require a temporary financial reprieve. To learn more about how Florida short-term disability insurance works, talk to the disability attorneys at CJ Henry Law Firm. Purchasing a Policy If you suffer injury while on the job or you can prove that your injuries resulted from labor you performed for an employer, then you may be able to receive workers’ comp benefits. That is its own separate form of insurance. What happens, though, if you’re in a car accident? What happens if you’re…Read More
ERISA (Employee Retirement Income Security Act) disability benefits are available to those of us who are too sick to work. This need not be a work-related injury. Your employer purchases the policy as a group plan. And so long as you are covered by that plan, you can file a claim with their insurance company. On the other hand, ERISA benefits are notoriously difficult to secure. Insurance companies will look for any loophole in the contract to deny your claim. At CJ Henry Law Firm, we help employees appeal insurance claim denials and recover benefits that they are entitled to under the Employee Retirement Income Security Act. If you are applying for long-term disability benefits and are unfamiliar with the process, then try to…Read More
Those who need to file a claim under ERISA (Employee Retirement Income Security Act) often find themselves saddled with confusing requirements and demands from the insurance company that furnishes your employer with their policy. Indeed, they make it intentionally difficult because if there are too many claimants drawing on the plan at the same time, then the fund becomes insolvent. Nonetheless, they have a legal and moral duty to act on behalf have the best interests of their policyholders. If you are concerned that an injury or ailment will prevent you from working for an extended period of time, an ERISA litigation attorney at CJ Henry Law Firm can help you get the evidence you need to cash in on your claim. Below,…Read More
You’re probably wondering how the insurance company could have possibly denied your disability insurance claim. Unfortunately, it is very common to be denied on the first try. Insurance companies are not in the business of paying out every claim that comes their way. But understanding why and how they deny claims can help you develop the best case you can when you appeal. If you have a denied claim, you have options. As ERISA disability attorneys, our team at CJ Henry Law Firm has helped many of our clients appeal unfair denials and collect the evidence they need to prove their case. In cases where the insurance company was acting in bad faith, we can help you dispute the decision in court. You…Read More
Are you involved in a disability case? A Florida disability lawyer knows how the judge in your case determines disability. Disability Hearing with an Administrative Law Judge Your case will likely be seen by an Administrative Law Judge. This judge will have the responsibility for determining whether or not you are disabled. The process for making this determination is technical, complicated and often not logical. Determining Eligibility for Social Security Disability Benefits Any determination of disability is hypothetical, meaning that it does not necessarily have anything to do with the real world. For example, you may think that you cannot get a job because of your disability, but the court may think otherwise. The Social Security Administration is not concerned…Read More
An Ocala Florida Social Security disability attorney can answer a client's questions about their hearing. Preparing for the Room in Which the Hearing Will Be Held An attorney from the Ocala Florida Social Security disability law firm will describe the room in which the hearing will be held. It is generally a typical conference room. There might be an American flag or the Social Security Administration's seal, but little else. There will be a conference table. A second, smaller table might be in the room for the assistant to the judge. The judge's desk will usually be higher than the other tables in the room. Understanding the Recording Devices There will be recording equipment in the room. You must speak in a…Read More
It’s common for disability claimants who have reached the hearing stage of the process to want to know exactly what the hearing will be like prior to the hearing date. They may ask their Ocala Social Security disability attorney for detailed questions about the judge, the questions or the procedure that will be followed. What the Social Security Hearing Procedure Will Entail Unfortunately, your Ocala Social Security disability attorney can tell you that the regulations do not set forth very detailed procedures for disability hearings. The stated purpose of the hearing is to provide an avenue for the administrative law judge to inquire fully into the issues, question you (the claimant) and other witnesses regarding your disability and review any…Read More