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If you have severe breathing problems, you may be unable to perform duties associated with full-time employment. But is asthma a disability? The short answer is, it depends. Diagnosis and treatment should be well-documented, and also include medical evidence from a qualified medical professional. To learn more, speak to a long-term disability lawyer at CJ Henry Law Firm today. Breathing Disorders Which May Qualify for Disability Chronic Pulmonary Insufficiency (CPI) CPI is a category of progressive lung diseases and includes emphysema, non-reversible (refractory) asthma, chronic bronchitis, and some forms of bronchiectasis. Chronic obstructive pulmonary disease (COPD) falls under this category of disorders. Common breathing difficulties associated with these disorders are coughing and wheezing, as well as shortness of breath. Many COPD sufferers also experience…Read More
For millions of Americans, filing for Fibromyalgia disability benefits can be an intimidating process. Fibromyalgia (FM) is a medical condition which causes physical impairment, pain, discomfort, and fatigue. Individuals with FM may experience depression as a result of dealing with persistent pain. Managing FM may leave you unable to work and in need of long-term benefits. If this describes your situation, there are things you need to know before you file a claim for disability benefits due to FM. Fibromyalgia Is Most Common Among Women Women between the ages of 25 and 60 are more likely to develop Fibromyalgia. Men are diagnosed with FM, but women are diagnosed at a rate ten times as high as men. As many as two percent of the population, or…Read More
Degenerative disc disease (DDD) disability benefits can be difficult to secure due to the confusing nature of DDD symptoms. If you have questions about filing a disability claim, contact the CJ Henry Law Firm, PLLC today. Understanding Degenerative Disc Disease Degenerative disc disease is the most common cause of lower back pain. It occurs when the intervertebral discs of the spine begin to wear down or erode. These discs are like rubber that acts as a cushion between the vertebrae. They allow you to move and bend with ease and flexibility. They can be likened to shock absorbers. But, like rubber, they tend to crack and deteriorate with age. It can result in a variety of medical conditions such as degenerative arthritis. When applying…Read More
The complicated nature of chronic fatigue syndrome can make filing a disability claim for this condition both challenging and confusing. The main characteristic of CFS is extreme fatigue that cannot be traced to an underlying medical cause. If you have questions about whether you are eligible for chronic fatigue syndrome disability benefits, a disability attorney at the CJ Henry Law Firm, PLLC can help. How Do Long Term Disability Insurance Companies Evaluate Chronic Fatigue Syndrome Disability Claims? Because the causes and impact of CFS are often vague and difficult to pinpoint, many insurance companies will refer to CFS disability cases to the Centers for Disease Control (CDC). They rely on the expertise of the organization to examine a request to determine its legitimacy. According to the CDC, the following…Read More
It's important to know what qualifies for short-term disability coverage in order to get the most out of your income, meet the needs of your family, and get the benefits you pay for. Short-term disability coverage is meant to provide a percentage of your income between the time you experience an illness or injury, and the time your long-term benefits take effect. You should be aware of the following three components of short-term disability: Qualifying medical conditions Policy change eligibility periods Carrier coverage periods Qualifying Medical Conditions First, you must be unable to fulfill the basic demands of your full-time job. Next, you must have your physician provide documentation about the medical condition which prevents you from working. Lastly, you…Read More
If you suffer from depression and anxiety, you are not alone. Statistics show that no less than 40 million American adults – a full 20% of the population – share this debilitating illness. The symptoms and outcomes are broad, but what is most common among sufferers is the inability to function in the fast-paced employment environment. As a result, many attempt to apply for disability benefits to supplement their often simple and minimal existence. Unfortunately, all too often your claim for long term disability for depression and anxiety is denied. The legal experts at CJ Henry Law Firm are here to help you win your application. Keep reading to find out the most common reasons that your petition could be opposed.…Read More
If you are seeking disability, you may have to go through an independent medical examination (IME). It can be intimidating to attend a medical exam with a doctor you don’t know. However, your disability attorney can help you prepare for any questions the IME doctor may ask. Contact CJ Henry Law Firm, PLLC for more information about your specific situation. What Is an Independent Medical Examination? If you’ve filed a long term disability claim and the insurance company wants additional medical information, they may ask you to attend an independent medical examination. Most disability insurance policies allow the insurance company to send you to at least one IME during the determination process. If they ask you to attend an independent medical examination, it’s important that you…Read More
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