Author Archives: Jay Butchko
Five Important Steps in Filing an ERISA Long-Term Disability Claim
ERISA is a set of complex federal laws which governs employer provided health plans and other types of benefits. It provides protection for workers by providing clear guidelines in filing claims and in handling appeals when benefits are denied. As an experienced Jacksonville long-term disability attorney, we have spent decades studying these laws and… Read More »
Statements Required by Insurers When Filing a Long-Term Disability
In the event you suffer injuries or illnesses that result in long-term disabilities that prevent you from working, benefits provided through your employer provide a safety net. Unfortunately, obtaining these benefits means dealing with insurance companies who are notorious for either denying or undervaluing claims. Statements they obtain from you, your medical providers, and… Read More »
Suffering From Back Pain and Wondering About Long-Term Disability Benefits?
Chronic back pain is something that many people suffer with. Depending on the severity, the impacts you experience as a result can keep you from working or performing certain tasks on your job, making you eligible for long-term disability benefits. The following highlights the types of back injuries that are generally covered and steps… Read More »
Long-Term Disability Benefits Due to Head Injuries
Long-term disabilities can result from accidental injuries. These happen in a variety of different situations and have the potential to impact every area of your life. Blows or jolts to the head are one of the most common types and even a minor mishap can leave you suffering permanent impairments which prevent you from… Read More »
Four Ways to Maximize Your Social Security Disability Benefits
If you become disabled and are unable to work, you may be entitled to Social Security disability benefits. Unfortunately, many claimants fail to get the maximum amount they are entitled to. Regardless of your current health, there are some steps you can take to ensure you get the benefits you need and to maximize… Read More »
Questions to Ask Before Buying an Individual Disability Policy
Insurance can help to protect you and your loved ones in the event that a long term disability happens. This type of situation is not as uncommon as you might think. It can occur due to accidental injuries, a sudden and severe illness, or due to chronic health conditions you have suffered over a… Read More »
Qualifying for Social Security Due to Mental Health Impairments
It was not that long ago that people with mental health conditions were forced to suffer in silence. While we understand more about the underlying neurological or physical factors that often play a role in these illnesses, it can still be challenging to get your condition accepted as a valid medical impairment. In cases… Read More »
Common Terms When Applying for Social Security Disability
When injuries or chronic health conditions prevent you from working, Social Security disability benefits provide a safety net. Determining whether you are eligible and applying for these benefits can be a time consuming and complicated process. In too many cases, applications end up getting denied or delayed. Part of the problem is that the… Read More »
Be Your Own Advocate When It Comes to Long-Term Disability Benefits
Most people think long-term disabilities will never happen to them. Unfortunately, statistics prove otherwise. When health conditions that result in disabilities do occur, taking the actions needed to be your own advocate can help you regain some control. Being informed helps to reduce the stress and uncertainty of the situation and increases your odds… Read More »
Eight Common Conditions Covered by Long-Term Disability Insurance
Long-term disabilities can happen at any age. When they do, you may be unable to work for an extended period of time. In this situation, long-term disability insurance provided through your employer can help protect your financial security during the treatment and recovery period. While most people tend to think a disability will never… Read More »