Resources
The federal Employee Retirement Income Security Act (ERISA) provides guidance for retirement plans as well as welfare benefit plans provided by employers. This includes 401(k) plans, profit sharing plans, pensions, life insurance, health insurance, disability plans, dental, and other benefits. The Department of Labor (DOL) enforces ERISA compliance as well as ensures that employers who offer benefits plans comply with the law. ERISA compliance is an important issue for employees receiving benefits from their employers. If you think your employer or benefits plans are not in compliance with ERISA, contact an ERISA attorney at CJ Henry Law Firm, PLLC today. ERISA Compliance Requirements for Health & Welfare Plans Most health and welfare plans for employees must comply with ERISA. This is true no matter the size of the plan group…Read More
If you are disabled and need to apply for ERISA insurance benefits, you should know that the insurance company will thoroughly investigate your claim. You will have to comply with the plan administrator’s requests for information regarding your medical condition, work background, and functional abilities. It's important to work with a skilled attorney who will review your situation and help you through the process. Call CJ Henry Law Firm today to find out more about your claim. What Happens When You Apply for ERISA Disability Insurance? The goal of any insurance company is to minimize or quickly deny claims so that they do not have to pay out as much money. Thus, you should work with an attorney who can help you correspond with the ERISA insurance…Read More
Insurance companies that offer long-term disability policies protect the interests of their policyholders and themselves, not their beneficiaries. If there exists any legal way for an insurance company to deny a claim, they likely will. They will not go out of their way to prove the validity of your claim. They will only go out of their way to disprove the validity of your claim. If you’ve made a claim on your long-term disability policy, you may be in for a significant battle. At CJ Henry Law Firm, we have successfully helped our clients appeal denied disability insurance claims. If you have had your first claim denied, the battle isn’t over; it’s just begun. Contact us today to speak to…Read More
When applying for long term disability benefits, you need to prove that your medical or psychological problems prevent you from being able to work. But how do you know whether you're eligible to receive benefits? If you are unable to work at your current job, you may think you should be able to claim LTD insurance benefits. However, sometimes your ERISA plan may specify that in order to qualify for benefits, you must be unable to complete any work at all. The difference can be difficult to determine. ERISA plans can be extremely complex. If you have a claim, a long term disability lawyer can help. Contact CJ Henry Law Firm today. Where Can I Find Details About Eligibility for Benefits? When you…Read More
When you file for disability, the insurance company will try to avoid paying out and delay approving your claim. They may even use surveillance tactics to obtain evidence for a claim denial. If you suspect that the insurance company is watching you, contact an insurance claim lawyer who can help you protect yourself and your claim. Call CJ Henry Law Firm today for more information. Insurance Companies Will Use Surveillance Evidence Against You Insurance companies often use surveillance tactics to disprove all or part of a disability claim, trying to uncovering evidence that will lead to the truth in a matter. They may dispute the limitations you are claiming or prove that you are not disabled at all. The insurance company may…Read More
One of the common issues that arises in disability insurance disputes is whether or not a claimant meets the definition of gainfully employed. It might sound like a simple concept; however, your insurance company may use very technical terms. When working through disability insurance disputes, you should work with an attorney who can help you through the process. The insurance company has specialized knowledge, and they may use a legal team to manage your case. You deserve to have a legal professional on your side too. Call CJ Henry Law Firm today to find out how a disability lawyer can help you. Long Term Disability Policies Define Disability in One of Two Ways Disability insurance companies often define disability to…Read More
Florida has no state-mandated short-term disability program. Those who require such a program must purchase a policy in advance of their disability that pays out if they become injured. Nonetheless, there are certain options available to you if you require a temporary financial reprieve. To learn more about how Florida short-term disability insurance works, talk to the disability attorneys at CJ Henry Law Firm. Purchasing a Policy If you suffer injury while on the job or you can prove that your injuries resulted from labor you performed for an employer, then you may be able to receive workers’ comp benefits. That is its own separate form of insurance. What happens, though, if you’re in a car accident? What happens if you’re… Read More
ERISA (Employee Retirement Income Security Act) disability benefits are available to those of us who are too sick to work. This need not be a work-related injury. Your employer purchases the policy as a group plan. And so long as you are covered by that plan, you can file a claim with their insurance company. On the other hand, ERISA benefits are notoriously difficult to secure. Insurance companies will look for any loophole in the contract to deny your claim. At CJ Henry Law Firm, we help employees appeal insurance claim denials and recover benefits that they are entitled to under the Employee Retirement Income Security Act. If you are applying for long-term disability benefits and are unfamiliar with the process, then try to… Read More
Those who need to file a claim under ERISA (Employee Retirement Income Security Act) often find themselves saddled with confusing requirements and demands from the insurance company that furnishes your employer with their policy. Indeed, they make it intentionally difficult because if there are too many claimants drawing on the plan at the same time, then the fund becomes insolvent. Nonetheless, they have a legal and moral duty to act on behalf have the best interests of their policyholders. If you are concerned that an injury or ailment will prevent you from working for an extended period of time, an ERISA litigation attorney at CJ Henry Law Firm can help you get the evidence you need to cash in on your claim. Below,…Read More
You’re probably wondering how the insurance company could have possibly denied your disability insurance claim. Unfortunately, it is very common to be denied on the first try. Insurance companies are not in the business of paying out every claim that comes their way. But understanding why and how they deny claims can help you develop the best case you can when you appeal. If you have a denied claim, you have options. As ERISA disability attorneys, our team at CJ Henry Law Firm has helped many of our clients appeal unfair denials and collect the evidence they need to prove their case. In cases where the insurance company was acting in bad faith, we can help you dispute the decision in court. You…Read More