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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

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