Blog
Nearly one-third of Americans have diabetes or prediabetes and about 1.5 million new cases are diagnosed each year in individuals of all ages. When you consider the loss of productivity, the cost of medicine and medical treatment, and loss of income, the cost of diabetes is high. Unfortunately, some insurance providers don't make it easy for doctors or patients to manage diabetes and prevent serious illness. Learn more about qualifying for long-term disability for diabetes below. Understanding the Different Types of Diabetes In general terms, diabetes is a disorder affecting the way your body processes and uses sugar. Insulin is produced by your pancreas and its job is to process sugar from the food you eat and convert it to the energy. When…Read More
Are you disabled and considering working while on long-term disability? There's important information you need to know to make the best decision for you. If your income could be as much as you pre-disability income, or close to it, your long-term disability benefits may be at risk. The key to whether you continue to receive your full long-term disability (LTD) benefits, if you return to work, depends on the specific terms in your policy. Generally, if you have an "own occupation" (own occ) policy, you will have a wider variety of options for returning work than if you have an "any occupation" (any occ) policy. Here's an overview of the policy differences. What Is an "Own Occupation" Policy? Own occupation policies determine…Read More
More than 50 million Americans have some form of arthritis. And this condition can limit or prevent you from working and impact your quality of life. There are over 100 different forms of arthritis which can cause swelling and inflammation of the joints, make movement painful, and cause joint deformities. Many people may not be aware that benefits are available or there may be confusion about the process to apply for benefits. Disability for arthritis can help you mitigate the costs associated with this disease, including: loss of income due to the inability to work, pay for prescriptions and doctor visits, and assisted living devices. So how can you get disability for arthritis? Read on to learn more. How Do…Read More
The answer to the question "is osteoarthritis a disability?" isn't a simple yes or no. Osteoarthritis is caused by wear and tear to the cartilage in your joints. Cartilage is a firm, slippery material that protects the ends of your bones and prevents them from rubbing together. Osteoarthritis is different from rheumatoid arthritis, which happens when your immune system attacks your joints and cartilage. Osteoarthritis typically occurs in the hands, knees, hips, and spine and is a degenerative condition, which means it will worsen over time. It isn't curable, but can be managed with proper treatment. What Are Symptoms of Osteoarthritis? Osteoarthritis often develops slowly and may initially affect only one area of the body, but it can spread to…Read More
For those with traumatic brain injury, or TBI, long-term disability benefits are a crucial component in the recovery process. Traumatic brain injuries can result from: blow to the head, car accident, military service, fall, or accident involving a firearm. The severity of the injury varies greatly depending on the individual and the circumstances. Signs and Symptoms of TBI TBIs are also referred to as a head injury or an intracranial injury. They all refer to the same type of injury. A mild TBI may cause temporary amnesia, headache, nausea and vomiting, ringing in the ears, or problems with speech. A moderate to severe injury can result in any of the symptoms of a mild injury, but may also include convulsions or seizures, uneven pupil dilation, inability…Read More
Stomach cramps, bloating, and diarrhea are common to most people, but if they last for long periods of time and are unusually severe, you may have Crohn's disease. But are you eligible for long-term disability benefits? Below, we explain what you need to know about Crohn's disease and long-term disability benefits. To learn more, contact CJ Henry Law Firm today. What Is Crohn's Disease? Crohn's disease is a form of inflammatory bowel disease (IBD) and can result in tissue damage and increase your risk of other medical conditions. The disease usually affects the lower part of the small intestine but it can appear anywhere in the gastrointestinal system. In most cases, Crohn's disease is a lifetime disorder and therefore requires ongoing medical treatment. The symptoms of Crohn's disease include the following:…Read More
Migraine sufferers know the difference between a regular headache and a migraine. The pain is usually severe and accompanied by other symptoms including nausea, vomiting, auras (areas of blurred vision, or bright flashes of light), and an increased sensitivity to light and sound. Unlike most other headaches, migraines are neurologically based and can range in severity from mild to totally debilitating. If you suffer from migraines, it's important to know what the insurance company will look at when it comes to awarding long-term disability for migraines. To learn more, contact CJ Henry Law Firm today. Living With Migraine Headaches An occasional migraine headache is an annoyance. But for those who experience recurring migraines, they can impact the performance of daily…Read More
If you have severe breathing problems, you may be unable to perform duties associated with full-time employment. But is asthma a disability? The short answer is, it depends. Diagnosis and treatment should be well-documented, and also include medical evidence from a qualified medical professional. To learn more, speak to a long-term disability lawyer at CJ Henry Law Firm today. Breathing Disorders Which May Qualify for Disability Chronic Pulmonary Insufficiency (CPI) CPI is a category of progressive lung diseases and includes emphysema, non-reversible (refractory) asthma, chronic bronchitis, and some forms of bronchiectasis. Chronic obstructive pulmonary disease (COPD) falls under this category of disorders. Common breathing difficulties associated with these disorders are coughing and wheezing, as well as shortness of breath. Many COPD sufferers also experience…Read More
For millions of Americans, filing for Fibromyalgia disability benefits can be an intimidating process. Fibromyalgia (FM) is a medical condition which causes physical impairment, pain, discomfort, and fatigue. Individuals with FM may experience depression as a result of dealing with persistent pain. Managing FM may leave you unable to work and in need of long-term benefits. If this describes your situation, there are things you need to know before you file a claim for disability benefits due to FM. Fibromyalgia Is Most Common Among Women Women between the ages of 25 and 60 are more likely to develop Fibromyalgia. Men are diagnosed with FM, but women are diagnosed at a rate ten times as high as men. As many as two percent of the population, or…Read More
Degenerative disc disease (DDD) disability benefits can be difficult to secure due to the confusing nature of DDD symptoms. If you have questions about filing a disability claim, contact the CJ Henry Law Firm, PLLC today. Understanding Degenerative Disc Disease Degenerative disc disease is the most common cause of lower back pain. It occurs when the intervertebral discs of the spine begin to wear down or erode. These discs are like rubber that acts as a cushion between the vertebrae. They allow you to move and bend with ease and flexibility. They can be likened to shock absorbers. But, like rubber, they tend to crack and deteriorate with age. It can result in a variety of medical conditions such as degenerative arthritis. When applying…Read More