Resources
In the spring of 1992, I celebrated two major life changes: Graduation from law school and the arrival of our son, Avery – my law school baby. Here’s a photo the day I received my J.D. degree with our children – 6-month old Avery, along with Jason and Cortnei – and my ever-supportive Mom, Esmelin Clarke. It’s true. I gave birth to Avery while attending law school and two weeks after giving birth, returned to our class trial practice competition, which we won. That semester I also made the Dean’s list and won the Book Award in 2 classes. For all of this – I’m glad I was young! – my classmates honored me with: The Tenacity and True Grit…Read More
Denied his disability insurance claim four times, Dr. John Doe – ‘John Doe’ is a substitute for the real name of our client to preserve his anonymity – could have given up, but he didn’t. Luckily, he was referred to our firm and we began digging deep into how this 36-year old radiologist’s health condition ended a bright career and turned the tables on his insurance company’s denial. As a radiologist interpreting X-rays, MRI’s, and other types of medical imagining, Dr. John is a specialist, with more than a decade of medical education and training. As a diagnostic radiologist, Dr. John needs acute vision and cognitive functioning skills to perform his duties. Radiologists work weekends, evenings, and irregular hours and… Read More
Benefits – bennies – paid by your employer are hard to pass up, right? But, did you know that if your employer pays ANY of your disability policy premiums or you receive employer premium discounts, your policy can be converted into an ERISA case making it difficult, if not impossible to receive the benefits you deserve. Take the case of FRANK D’ELIA, M.D. v. UNUM LIFE INSURANCE COMPANY OF AMERICA, Civil Action No. 15-3040, Slip Copy (2016). Dr. D’Elia, a urologic surgeon, purchased five occupation-specific disability insurance policies through Unum Insurance Company’s Flexbill program through his employer, where he received a premium discount. Unum’s sales representative assured Dr. D’Elia that these policies would protect him should he become unable to…Read More
There is no easy answer to this question because disability insurance is as complicated as any other question where medicine and law converge. Only doctors, physical therapists, and other medical professionals are qualified to give a medical diagnosis to their patients. Likewise, only lawyers who practice disability law are qualified to determine whether a patient meets the legal requirements to receive disability insurance benefits. Why? To Borrow A Status Line From Facebook: It’s Complicated! Disability insurance laws represent a web of intricate legal definitions combined with individual circumstances reflecting the patient’s present and future physical or mental condition. Even within the disability insurance context, there are state laws that govern individual private disability insurance policies that differ from federal laws…Read More
Death due to coronavirus exposure would almost certainly not be covered under an accidental death insurance policy. BUT – and here’s the tricky part – there CAN BE an exception depending on how and when the virus was contracted. The leading case reaches back to 1931 in Chase v. Business Men’s Assurance Co, 51 F.2d 34 (10th Cir. 1931). The case involved an accidental death claim brought by the insurer’s beneficiary. The insurer contracted typhoid fever as a result of drinking contaminated water. The court determined the plain language of the policy “does not cover death resulting from typhoid fever not caused or brought about by accidental bodily injuries, unless it was intended that the word ‘disease’ should not include… Read More
It’s always gratifying when our clients receive the justice they deserve, like Lori. She’s a dental hygienist, who worked with our law firm and a new medical provider to win the benefits she deserved. Lori’s story starts like so many disability claims – with a denial. On a daily basis, Lori frequently stands, sits, lifts, stretches, grasps and handles dental equipment, and works overhead while performing her occupational duties. However, after suffering multiple injuries from two car accidents, Lori was unable to perform her hygienist duties. Initially, Lori’s Short-Term Disability claim was honored by Mutual of Omaha. But, one week before starting her Long-Term Disability, Lori’s benefits were cut off. It was at this critical juncture when Lori phoned our…Read More
Do you know a nurse like Karen Card? Karen is a nurse night shift supervisor who, no doubt, cared deeply for her sick patients…until she got sick and filed for disability. Karen is like any other medical professional among the 1.5 million Americans at-risk for losing their jobs and homes last year due to a medical crisis. In Karen’s case – Card v. Principal Life Insurance Company, 2019 WL 5618182 (6th Cir. Oct. 32, 2019) – it was the denial of her disability insurance claim for six years. This hardworking night nurse was diagnosed with Chronic Lymphocytic Leukemia in February 2013. Suffering from night sweats, exhaustion and fatigue, her health began declining. Over the next six months, Karen continued working…Read More
What gets me up early in the morning and keeps me at the office long after my husband, Cecil, expects me home for dinner, is the ultimate joy when our legal team scores a victory for our clients. Why? Because we know we’ve made a big difference in their lives. Take our recent battle – and win – for a local CT technologist suffering from Fibromyalgia and Chronic Fatigue whose insurance company denied her disability. We’ll call our client ‘Jane Doe’ because that’s the name lawyers call clients whose identity they want to protect. If you’ve ever had a CAT scan, you have met a ‘Jane Doe’. She’s the medical professional who calms your fears while positioning your body ‘just…Read More
Franklin first published it in 1748, and it’s as true today as it was hundreds of years ago, especially when it comes to filing your disability, life, or health insurance claim. Filing your claim or appeal too late can be the final blow for your case as the delicate balance between time and money can tip the scale of justice in the wrong direction, ultimately costing you the financial benefits you deserve as Emily Smith was soon to discover. In Smith v The Hartford, No. 4:20-CV-00041-CLM, 2020 WL 4815143 (N.D. Ala. Aug. 19, 2020), Emily Smith received disability benefits from Hartford Life and Accident Insurance Company due to depression, until her benefits were terminated by Hartford since depression benefits were… Read More
When you obtain a life insurance policy, you must select a beneficiary. Some people want to later change that beneficiary. Whether or not you can make that change depends on several factors. You must review your specific policy and determine if you have an irrevocable beneficiary. To learn more about your situation, contact CJ Henry Law Firm, PLLC today. WHAT IS A BENEFICIARY? A beneficiary is the person or entity you name in your life insurance policy who will receive the benefits of that policy upon your death. You may name one or more people, the trustee of a trust that you establish, a non-profit organization, or other company as your beneficiary. A life insurance policy may have a revocable or irrevocable…Read More