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The opioid crisis in this country is a reminder that addiction affects the lives of all types of people. Prescription drugs as well as illegal drugs can lead to addiction and impact your ability to perform your job or manage your daily life. But is addiction a disability under your long-term disability insurance plan? It's important for you to be aware of what your policy covers. How Addiction Begins For many people, the road to addiction starts with an accident or injury. A doctor may prescribe medication to help manage the pain you experience. If the pain isn't controlled by the prescribed dosage, people may begin to misuse their prescription drugs or look for illegal drugs as a way to manage…Read More

Like many large insurance companies, CIGNA has been known to employ bad faith practices to avoid paying long-term disability benefits. Misplacement of medical records or repeated requests for authorization forms are just two of the many tactics the insurer uses to deny claims. If you're aware of the tactics CIGNA uses to deny your long-term disability benefits, that knowledge can help you prepare your claim and understand how to appeal a CIGNA denial. CIGNA's Denial Tactics 1. Failure to Provide Updated Medical Information When you apply for benefits, CIGNA will require you to sign forms to authorize your physician(s) to provide them with your medical records. If they do not receive authorization from your health professionals, they may deny your claim based on…Read More

When your immune system is functioning normally, your white blood cells sense the presence of foreign (or unhealthy) cells like viruses and bacteria, attacks and destroys them. When your immune system malfunctions, your white blood cells begin to attack healthy blood cells. Many autoimmune disorders are genetic or age-related but you can still qualify for autoimmune disease disability benefits. One word of caution. Your long-term disability insurance company may latch on to the genetic or age-related aspects of autoimmune disorders and deny your disability claim because they consider them pre-existing conditions or the results of natural aging. Don't be discouraged by these tactics. Insurance Companies May Unfairly Deny Your Claim Depending on whether you have an individual or group long-term…Read More

Back pain is the most common debilitating condition in the United States: Almost half of the American workers experience back or neck pain each year Back pain accounts for over 250,000 days of lost work Workers lose approximately $50 billion a year in wages due to back pain Many insurers limit back claimants from receiving long-term disability benefits. But an experienced Ocala FL disability attorney can fight for you. To learn more about qualifying for herniated disc disability benefits, contact CJ Henry Law Firm, PLLC today. Back Structure and Types of Pain Many people confuse the spine with the spinal cord. The spinal cord is a series of nerves and nerve fibers that sends messages to the brain. It's the biggest nerve…Read More

It's no surprise that insurance companies want to make as much money as possible for their stockholders. Unfortunately, they often do so at the expense of their policyholders. This practice is all too common, especially among big insurance companies like Lincoln. If you received a Lincoln long-term disability denial, a disability lawyer at CJ Henry Law Firm PLLC can help. How Insurance Companies Use Policyholders to Make More Money Lincoln Financial, also known as Lincoln National Corp., is a multi-billion dollar company. In 2016, their revenues topped $13.8 billion. Yet, Lincoln Financial routinely tries to pad its coffers using a variety of unfair and unethical tactics. Denying legitimate benefits claims to policyholders Attempting to get policyholders to accept less money than their claims…Read More

Chronic pelvic and bladder pain and the disruptive nature of excessive urination could qualify you to receive disability benefits. While frequent urination may not seem to be a plausible reason to receive long-term disability benefits, for a person who needs to urinate 50 or 60 times per day, it's easy to understand how debilitating interstitial cystitis can be. Learn more about interstitial cystitis disability below. Understanding Interstitial Cystitis Interstitial cystitis affects the bladder, which is the organ that stores urine. The bladder is hollow and expands or contracts based on the amount of urine it contains. When the bladder is full, nerves in the brain signal to you that it's time to urinate. The brain then sends a similar message to the bladder…Read More

When you purchase a disability insurance policy in good faith, you expect to receive benefits if the need ever arises. However, many insurance companies don't reciprocate in good faith and try to avoid paying disability benefits. The Hartford Financial Services Group has earned a whopping revenue of over $26 billion dollars in recent years and often adds to that revenue by denying a legitimate individual or ERISA disability claim. If you have received a Hartford long-term disability denial, we can help. Common Long-Term Disability Denial Tactics Employed by The Hartford It is unfortunate that The Hartford is among a group of insurance companies who regularly try to avoid paying benefits using a number of bad faith practices. The following list includes just a…Read More