Blog

The purpose of disability insurance is to help you in the event an accident or an illness prevents you from working. Unfortunately, many insurance companies like Northwestern Mutual are more interested in collecting premiums than paying disability benefits. Insurance companies often use unfair practices to delay payments or avoid paying claims altogether. If you received a Northwestern Mutual long-term disability denial, you don't have to accept it as the end of your claim. How Does Short-Term and Long-Term Disability Insurance Work? Northwestern Mutual offers both short and long-term disability policies that allow employees to supplement insurance coverage provided by their employers. Both types of disability insurance have an elimination period or waiting period between the time of your accident or illness and when the coverage begins.…Read More

You've decided to apply for disability insurance. But how long does long-term disability last? The answer will depend on the type of policy you have. Below, we discuss what to look for, like your policy's elimination period and length of benefit period. How Long-Term Disability Benefits Work The elimination period, or waiting period, will determine how long you have to wait before you can receive benefits. You may have to wait 30, 60, or 90 days or the wait period could be 6 months to a year. The benefit period is the length of time your insurance company will pay you disability benefits. You choose the length of time you'll receive benefits when purchasing your policy. You can decide if you want…Read More

If you’re on a Guardian long-term disability policy, and you need to cash in on that policy, chances are that you’re in for a fight. Disability insurance is supposed to cover you when the unexpected happens. Unfortunately, policyholders with Guardian Life often don't get the security they've paid for. If you have received a Guardian long-term disability denial, an Ocala FL LTD lawyer can help you fight for the benefits you deserve. Types of Guardian Disability Insurance Policies Guardian (Guardian Life Insurance Company of America) sells both life and disability insurance and policies can be purchased from an employer or individually. Group Disability Insurance This is the type of disability insurance you typically receive from an employer. It covers between 40 and 60% of your…Read More

Why do women need to consider long-term disability pregnancy benefits? Because complications from pregnancy are more common than many people realize. As many as 25% of pregnancies result in some type of complication such as the need for a C-section, preeclampsia, or postpartum depression (PPD). In the case of PPD, nearly 15% of women experience depression after childbirth. You'll need additional time to receive appropriate treatment and to recover. Pregnancy can also cause dormant illnesses to manifest themselves resulting in unforeseen illnesses. Long-term disability pregnancy benefits could help protect your income in the event you experience serious or lasting complications associated with pregnancy. Traditional Pregnancy Income Replacement Typically, time off for maternity leave consists of a combination of personal vacation time, company-provided maternity leave,…Read More

Ataxia is a condition that affects voluntary muscle movements such as walking, speech, eye movement, and swallowing. Ataxia is usually caused by damage to the cerebellum from brain trauma, stroke, cerebral palsy, encephalitis, or other brain infections. Severe cases of ataxia can make it impossible to work and may make day-to-day living very difficult. Not everyone with the condition will be eligible for ataxia disability benefits, but an experienced LTD attorney at CJ Henry Law Firm PLLC can assist you in determining your eligibility and can help you file a claim with your insurance company. What Is Ataxia? Generally speaking, ataxia is defined as a loss of the ability to control voluntary muscle movements including walking, speaking, eye movement, and swallowing. There…Read More

As many as 25% of American workers will experience an unexpected illness or injury that will prevent them from working. In the event of a long-term disability, insurance policyholders expect their insurance coverage to be there as a financial support system. However, for people insured by Metropolitan Life (MetLife), that may not be the case.  Unfortunately, large insurance companies like MetLife often employ unfair practices to deny legitimate disability claims and increase their revenues. Unfair or bad faith practices include asking for large amounts of paperwork, delaying decisions on a claim, trying to settle a claim for less than its value, or requesting exams by independent medical professionals. If you have received a MetLife long-term disability denial, there are things you can do to appeal the…Read More

Private disability insurance companies do not make the process of filing a claim simple or easy. The standard of proof on your end is incredibly high. Most claims will be denied, or the insurance company will claim they require more information. For that reason, many people enlist the help of an ERISA disability appeal attorney to handle both the claims process and the appeals process. A denial is not the end of the road. You can appeal the decision. CJ Henry Law Firm PLLC can guide you through the filing a claim with your ERISA disability insurance providers, as well as help you with your ERISA disability appeal in the event that your claim is denied. Contact us today to…Read More

If you have Lupus and it prevents you from performing the duties of your job and affects your daily life, you may qualify for Lupus disability benefits. What Is Lupus? Your immune system plays an important role in keeping your body healthy. A normally functioning immune system creates antibodies that attack bacteria, infections, and viruses. With Lupus, your immune system is tricked into producing auto-antibodies which cannot distinguish between bacteria and healthy tissue. These auto-antibodies destroy healthy tissue and can damage your joints, skin, blood vessels, and organs. Types of Lupus The most common type is systemic lupus erythematosus or SLE, which affects the skin, joints, internal organs, and the nervous system. Cutaneous Lupus affects only the skin and causes rashes and lesions. Subtypes…Read More