The defendant claimed that the plaintiff, the policy-holder, did not heed their provisions that included the plaintiff seeking appropriate medical care before drawing on his policy. The plaintiff, in return, provided that his condition, bilateral post traumatic carpal tunnel syndromes, did not allow him to work, therefore engaging his policies with Unum. Knowing his responsibility to seek medical care, he consulted a physician, who told him that, given his health, corrective surgery was not the appropriate option.

The court ruled that, although corrective surgery was possible, if the plaintiff’s physician refused the surgery due to possible complications, the policy language did not permit a reconditioning of the plaintiff’s eligibility to receive benefits. The court added that opinions concerning the physician’s role are not suitable for a trial without a jury.

Knowing your legal rights is the best measure to getting what compensation you could be eligible for. If you or someone you love needs legal advice on how to deal with long-term disability insurance, contact the Indiana disability litigation lawyers at the Charles D. Hankey Law Office, P.C., by calling 800-520-3633 today.

H.B. 1116 is Moosley’s bill which would improve the level of care granted to workers receiving healthcare treatment through the state’s workers’ compensation program. Under Moosley’s system, seriously injured workers seeking emergency medical care will be able to seek treatment from any doctor, rather than just a company-approved doctor.

If you or someone you love has been injured and isn’t receiving the long-term disability that he or she needs, contact the Indiana long-term disability attorneys of the Hankey Law Office today by calling 800-520-3633.