Resources
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
Attention to details can make all the difference in your Social Security disability case. Our Ocala Social Security disability lawyer can help clients find witnesses who can testify on your behalf. The Reliability of Lay Witness Testimony Lay witness testimony can help the Social Security Administration make a decision in your case as a non-medical person explains how the injuries or illness affects an applicant and their ability to work. Testimony from these lay witnesses might include a claimant’s efforts to work, their restrictions, limits on daily activities and other relevant factors. For example, family members might describe the difference in abilities before and after an accident. Lay Witnesses Can Help Prove Your Case The SSA will focus on determining…Read More
If you suffer from a mental disorder, an experienced Ocala social security disability lawyer will work with you obtain the appropriate SSD benefits. An Ocala Social Security Disability Lawyer Discusses Mental Disorder SSD Cases Your lawyer is no stranger to cases involving mental disorders; they are some of the most common impairments cited in SSD cases. In fact, it's not rare for psychological issues to emerge in physical impairment cases, since chronic physical problems will inevitably affect your mental health. The Social Security Administration will deny a number of these cases, which will then move to the hearing level. The SSA uses complex rules to determine whether you qualify for disability benefits for your mental disorders. Your lawyer may use the…Read More
According to a Social Security lawyer in Ocala, understanding the Medical Vocational Guidelines will help you have a greater knowledge on decisions made by the Social Security Administration regarding limitations and disability. Medical Vocational Guidelines and RFCs Two main assessment guides are used to make determinations of limitations and disability. Your exertional level is assessed to establish a Residual Functional Capacity (RFC). Your Social Security attorney in Ocala would tell you that the disability evaluators then use the Medical Vocational Guidelines to further evaluate your limitations. "The grids," as the Medical Vocational Guidelines are called, help evaluators determine whether you are disabled. A Social Security lawyer in Ocala says the 3 charts that make up the grids use various combinations…Read More
As part of your SSD case, you must take a consultative examination at the request of the Social Security Administration. If you are represented by an Ocala Social Security attorney, he or she will be able make arrangements for the exam, but you can ask your own doctor to perform the exam if you prefer. An Ocala Social Security Attorney Explains Who Will Conduct Your Consultative Examination Independent doctors and psychologists in private practice will be chosen by the Social Security Administration to perform consultative examinations and submit reports. The SSA will make arrangements for you to be examined by a doctor with applicable skills and credentials. They will also try to schedule your examination at a location close to…Read More
Are you applying for SSI benefits for your child? An Ocala disability lawyer guides you through the process and helps ease the process towards receiving benefits. You will need to supply detailed information regarding the medical condition of your child and how this condition affects your child’s ability to function on a regular basis. Your attorney will need information from any or all of the following people who work with your child: Doctors Teachers Therapists Other professionals with information on your child’s condition As for evidence, the Social Security Administration may inquire to receive any of the following: Medical records School records including but not limited to report cards, disciplinary and attendance records and evaluations The opinions, in writing, of…Read More