Resources
Does Unum handle your short-term disability claims? If your answer is yes, you may be in for a rude awakening. Thousands of people in the U.S. depend on Unum for insurance coverage if they have disabilities. You should know this insurance behemoth is under scrutiny for the growing number of disability claims they deny as well as the circumstances surrounding those denials. If your Unum short-term disability claim was denied, contact CJ Henry Law Firm today. You May Not Know the Name Unum, But You May Know One of These If you pull out your disability policy and it doesn't say Unum, don't breathe a sigh of relief yet. Unum is the corporate parent for Provident, the Colonial Companies, and Paul Revere Life. Tactics Used to Deny Unum Short-Term Disability Claims There… Read More
When you need help understanding disability insurance, a knowledgeable short term disability lawyer can be a huge asset. The purpose of short-term disability (STD) insurance is to replace part of your income for disabilities such as non-work related injuries, illness, or maternity leave. Its other purpose is to provide income between the occurrence of your disability and the time your long term insurance coverage begins. If you're the employee of a company, your short-term disability coverage is usually part of a policy and is paid for, at least partially, by your employer. If your company doesn't offer short-term disability insurance, or if you're self-employed, you can purchase individual coverage from an independent insurance broker. What's the Difference Between Short Term Disability and… Read More
Often, insurance companies will not tell you everything about how their policies differ from others. What are the pros and cons of group vs. individual disability insurance? When selecting disability insurance, it's important to be able to make an informed decision. Whether you have group vs. individual disability insurance can impact both your claim and your changes of receiving an approval. To learn more about your options regarding disability insurance, contact CJ Henry Law Firm, PLLC today. Group Disability Insurance Policies Most group disability insurance is provided through an employer. Employer plans can be easier to obtain because they may have fewer requirements. However, they may also have more restrictions when making a claim. Employer-sponsored plans must comply with a federal law called the…Read More
If you’re filing a claim on a long-term disability policy that your employer has paid into or that you yourself have purchased, you are in for a bit of a fight. LTD insurance companies are notoriously stingy when paying out claims. They will repeatedly ask you for more information, deny your claim because there is insufficient evidence, or even accuse your doctors of being biased. That is why many folks who file claims with their LTD policy carrier choose to have a skilled disability insurance attorney manage their claim. At CJ Henry Law Firm, we have built our reputation on helping disabled employees receive the funds they are entitled to. It won’t be easy, but you can help the process…Read More
There are a number of factors that influence how much your long-term disability ends up paying out. And it may pay out more at the beginning than it would down the road. All of this depends on the terms of your disability benefits policy or the policy that was purchased on your behalf by your employer. In this article, we’ll discuss the factors that determine how much you will receive on a monthly basis from your long-term disability policy. If you have questions about your long-term disability claim, contact CJ Henry Law Firm today. What Is the Base LTD Payment? While every plan is different, most plans fall within a threshold of paying 50% to 80% of your pre-disability earnings.…Read More
If you are unable to work for an extended period of time, you should consult with long term disability lawyers who can guide you through the process of submitting a claim. You may be unsure of what to do. And when you’re unable to work, this can add to your anxiety. You don’t have to endure this situation alone. Contact the long term disability lawyers at CJ Henry Law Firm, PLLC for help. Before You File a Long Term Disability Claim Instead of waiting until you run into problems, consult an attorney before you file your claim. Long term disability lawyers can help you collect evidence, complete paperwork, and file your claim with the insurance company. If your claim is denied, an attorney can…Read More
If you are unable to work for a period of time and you have long term disability (LTD) benefits, you should contact an ERISA law firm to help you navigate the claims process. When you’re unable to work, you may feel overwhelmed and unsure of what to do. However, you don’t have to deal with the situation alone. An Ocala FL ERISA law firm can answer your questions about LTD benefits and advise help you understand your plan. Call CJ Henry Law Firm, PLLC for more information about your specific case. 1. How Does Your LTD Policy Define “Disability”? Your long term disability policy may define disability in a broad manner or narrowly. It’s important to know how disability is defined before filing for LTD…Read More
When an employee is injured or develops a serious illness that prevents them from working over a long period of time, they may be able to receive long-term disability benefits if their employer has a plan that covers them. Whether or not your policy will pay out in your situation will depend heavily on the terms of the policy. The process of applying for long-term disability benefits tends to be unnecessarily cumbersome. Many folks find themselves running around in circles attempting to provide the insurance company with enough evidence to validate their claim. CJ Henry Law Firm, PLLC helps those in the often confusing and frustrating process of applying for long-term disability benefits. Please contact us to learn more about how an insurance claims attorney can…Read More
Long-term disability benefits are different from Social Security disability benefits. Generally speaking, your qualification for long-term disability benefits hinges on the fact that you can no longer work your current job and that you cannot work any job that allows you earn at least 60% of what you were earning before you went on disability. So can you work on long-term disability? You can, but going back to work could jeopardize your disability benefits. CJ Henry Law Firm combines years of experience in both the legal and medical fields to deliver successful outcomes for our clients. Those who have to fight for their disability benefits will find a team tireless advocates who understand how insurance companies work and will get the evidence…Read More
If you are unable to work due to an injury or illness, you should consult a long term disability attorney to find out if you can obtain benefits. Filing an LTD claim can be complicated, and many claims are denied. A single error in your application or a missed deadline could jeopardize your claim. Work with a long term disability attorney to have a better chance of obtaining benefits quickly and avoid costly mistakes. Call CJ Henry Law Firm, PLLC today to find out how we can help you. What Can a Long Term Disability Attorney Do to Help Me? Prepare Your Claims File for a Lawsuit Preparing a claims file for a lawsuit is important is crucial to maximizing your chances…Read More