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Your kidneys play a critical part in keeping your body healthy by filtering out the toxins in your blood. Your kidneys also produce the hormones that make red blood cells, activate vitamin D to develop strong bones and regulate your blood pressure. Chronic kidney disease (CDK) is life-threatening and treatments for CDK are expensive and can last for years or for your lifetime. Long-term disability benefits are often a necessity to offset the cost of treatment, medication, or kidney transplant surgery. Understanding Kidney Disease Unfortunately, there is no cure for chronic kidney disease, and it will eventually lead to end-stage renal disease (ESRD) or kidney failure. Once an individual reaches ESRD, there are only two choices to extend a person's life. The first…Read More
What Is Hepatitis C? Most people have heard of Hepatitis, but may not know how it affects the body. Hepatitis is inflammation of the liver, usually caused by a virus, and it can have lasting effects on your overall health. While there are several types of Hepatitis, the most common types are A, B, or C. Unlike Hepatitis B and C, there is a vaccine for Hepatitis A which typically prevents chronic illness. Both Hepatitis B and C are caused by a virus, HBV and HCV respectively. Depending on the severity of the infection, Hepatitis B can last a few weeks or become a more serious chronic condition. Hepatitis C can manifest as an acute illness, but most of the time it becomes a chronic…Read More
It is an unfortunate fact of life that some of the companies we depend upon to help us through difficult times let us down when it comes time to deliver. A prime example of the disappointment and frustration insurance policyholders can face is a denial of a valid disability claim. If you've received a Liberty Mutual long-term disability denial, an experienced Ocala FL LTD attorney at CJ Henry Law Firm PLLC can help. Liberty Mutual Leads the Way in Consumer Complaints Despite the friendly advertisements, Liberty Mutual has a long history of consumer complaints. A report from the American Association of Justice lists the insurance company as one of the ten worst in the country. Dubious Practices Are All Too Common There is…Read More
You filed a disability benefits claim with your insurance company and received a denial. Then, you filed an appeal but your claim was denied again. Now you may be wondering, what are my options? At CJ Henry Law Firm, PLLC, we can help you determine whether or not pursuing an ERISA lawsuit is right for you. To learn more about ERISA litigation, contact an Ocala FL ERISA attorney today. When Can You Begin an ERISA Lawsuit? You can't begin an ERISA lawsuit until you have exhausted all other claims appeals. This includes filing an administrative appeal and receiving a denial. Depending on your policy, you may have to file several administrative appeals or only one. There is a deadline in which to file your lawsuit. This is often governed by your insurance policy, so check the terms…Read More
Insurance companies are supposed to provide you with protection during times of illness or injury. Unfortunately, that isn't always the case. Big insurance companies like Aetna are especially skilled at denying or delaying disability claims. If you received an Aetna long-term disability denial, don't give up. An Ocala FL LTD lawyer may be able to help. How Insurance Companies Make Money You may assume that insurance companies make the majority of their profits from premiums paid by policyholders. Think again. Insurance companies frequently invest the premiums which make even more money for them. The amount that insurance companies pay in claims is a drop in the bucket compared to the money they earn. Aetna collects about $30 billion dollars from insurance premiums in a single year. In order to hold…Read More
A sharp, shooting pain that travels down your leg and that is accompanied by tingling pain may be an indication of sciatica. If you've experienced these symptoms, you know they can be severe enough to be disabling. Below, we discuss what you need to know about qualifying for sciatica long-term disability benefits. For more information, speak to an Ocala FL LTD lawyer at CJ Henry Law Firm, PLLC today. What Is Sciatica? The sciatic nerve runs from the lower back through the buttocks and into your lower leg. Typically, sciatic pain is caused by a compressed sciatic nerve, a bone spur, or a herniated disk. Even if you've never had a problem with sciatica before, it can appear suddenly and unexpectedly. Shooting pain that travels into the…Read More
With long-term disability claims, it can take a while to work through the legal system, and it can be easy to grow impatient with the process. At CJ Henry Law Firm PLLC, we have extensive experience litigating ERISA claims. Below, we discuss how you can help your Ocala FL ERISA litigation attorney with your case. 5 Things to Do 1. Listen to your attorney's advice. Your ERISA litigation attorney always have your best interests in mind. If you have any questions, feel free to ask your attorney. 2. Keep getting treatment for your disability. Your physician's medical expertise is important to your case. Even if your treatment plan doesn't change, establish a record of consistent consultations with your doctor. One way this can help your case is to prove you are in…Read More
When you pay for long-term disability insurance, you expect to receive benefits if you can't work due to injury or illness. Unfortunately, many people with policies from Unum are unpleasantly surprised when they file a claim. An Unum long-term disability denial is an all too frequent occurrence for policyholders. Here are some things you need to know. Unum Has a History of Unfair Claim Denials Unum Group is a prominent disability insurance company in the United States and in the United Kingdom. The insurance company provides both short and long-term disability insurance coverage to individuals and employers. Despite its standing in the insurance industry, and annual revenues in the billions of dollars, many policyholders are denied benefits for valid disabilities. Numerous lawsuits have been leveled…Read More
Over 92 million people in the United States have some form of cardiovascular disease, including coronary heart disease (CHD). CHD is the result of the build-up of plaque inside the coronary arteries, which provide blood to the heart. The plaque narrows the artery and reduces the amount of blood getting to the heart. Reduced blood flow also means a reduction in oxygen reaching the heart which may result in a heart attack. Due to the high number of people affected by the disease, disability for a heart condition is a boon to many individuals and families. It's important to note that the presence of coronary heart disease, a heart attack, or a coronary bypass is not a guarantee of eligibility…Read More
Macular degeneration is a progressive eye disease, which, over time, can lead to disability. To improve the chances of your claim being approved, it's important to get clear, comprehensive medical evidence. An Ocala FL long-term disability lawyer can help you with a macular degeneration disability benefits claim. Call CJ Henry Law Firm, PLLC today for a consultation. What Is Macular Degeneration? Macular degeneration is the leading cause of vision loss in the country. It affects the area of the retina that controls your ability to see fine details. Macular degeneration eventually impairs your ability to read, drive, use a computer, and even recognize people. It may also become progressively difficult to perform the requirements of your job. What Are the Symptoms of Macular Degeneration? Changes to your vision caused by macular degeneration may progress slowly during…Read More