Colon cancer and LTD benefits

Individuals may suffer from a long-term disability when they suffer from colon cancer. Colon cancer is caused by abnormal cells in the colon developing into a tumor, and it has several disabling symptoms in the digestive system that could make a worker eligible for their disability benefits. Depending on the severity, workers may no longer be able to work due to the following symptoms:

  • Constipation or diarrhea
  • Abnormal stool consistency or appearance
  • Blood in stool or rectal bleeding
  • Recurring abdominal pain, gas, or cramps
  • Sudden weight loss
  • Anemia
  • Unusual feeling of needing to defecate

After prognosis, a colon cancer patient is expected to undergo surgical procedures, such as a colectomy, to remove cancerous cells in the colon. The situation could be worst if cancer cells have already affected other internal organs.

The Indiana lawyers at the Hankey Law Office strongly believe that workers who were disabled by colon cancer should be eligible to get their long-term disability benefits. If you believe your benefits were wrongfully delayed or denied by your insurer, we may be able to offer you legal assistance to help you obtain the compensation you need. Call us today at (800) 520-3633 to learn more about your legal options.

Employment possibilities for individuals receiving LTD benefits

In some situations, disabled individuals who are receiving long-term disability benefits (LTD) may realize that they could do other income generating jobs where their disability is not a hindrance. However, LTD recipients should be cautious in securing employment, as it could lead to the termination of their benefits.

If the LTD of policyholders is defined as “own occupation” or “own occ,” they are receiving benefits defined by a disability preventing them from doing their chosen profession: the job they identified in the policy; this is true even if they are capable of doing other jobs that could earn them an income. For example, nurses who can no longer perform their everyday duties in the hospital due to a physical or medical disability might consider doing less strenuous jobs. Though LTD recipients could make the choice to do this, their benefits could be terminated if the income they make from another job is similar or more than the income they made from their previous job. It is often a wise decision that policyholders should review the terms of their coverage before applying for benefits.

Unexpectedly losing your benefits because you found a different job or for other unknown reasons can be frightening. If you are appealing for your long term disability benefits in Indiana, the Hankey Law Office attorneys may fight for you. Call us today at (800) 520-3633 to learn more about your legal options.

Disabling symptoms of bronchiectasis

When one’s bronchial tubes or air passages become swollen or permanently damaged, it is possible that person will be deemed permanently disabled. Individuals who develop bronchiectasis can often no longer do their jobs because of the disabling symptoms caused by recurring lung infection. Below are the serious symptoms linked to bronchiectasis:

  • Recurring cough and coughing up blood
  • Excessive amounts of mucus released through the cough each day
  • Breathing problems, including unusual breathing sounds
  • Foul breath odor
  • Fatigue

There are several risk factors for a person with bronchiectasis because it can be acquired from other ailments, such as simple flu or tuberculosis. Once diagnosed, people with bronchiectasis are prescribed costly antibiotics or other medications to suppress infections or thin the mucus. In severe cases, patients may be required to undergo surgery.

The attorneys at the Hankey Law Office in Indiana strongly believe that people with bronchiectasis should be entitled to long-term disability insurance. If you have a disability, we may be able to offer you legal assistance to help you get your benefits. Call us today at (800) 520-3633 to learn more about your options.

Requirements necessary before receiving LTD payments

Indiana workers covered by long-term disability (LTD) insurance sponsored by their employers should know there are some requirements they need to fulfill before they can start receiving payments.

LTD beneficiaries must be considered full-time employees, working 30 to 35 hours per week, before the onset of their disability. When experiencing a disability, workers may initially receive short-term disability payments. They have to wait for those benefits to end and can file for LTD benefits if they are still disabled. Some LTD policies do not honor applicants who became disabled due to a pre-existing medical condition, which means policyholders cannot file for LTD benefits if their disability results from a condition they had before being covered by LTD insurance. Lastly, the specific disability must be included in the coverage; workers may not receive LTD benefits if their disability is not listed in their policy.

If you can no longer work, thoroughly reviewing your LTD policy is critical before you apply for your benefits. However, if you are in such a situation in Indiana, an attorney of the Hankey Law Office may be able to work for you. Discuss your situation with us today by calling (800) 520-3633 to learn more about your options.

How insurers define disability

Individuals who have long-term disability (LTD) insurance policies should know they need to thoroughly understand how the system works to easily access their benefits. One of the basics of LTD is how insurers understand the word “disability.”

Though how insurers define the word “disability” may vary, it often revolves around the concept of a person’s incapability of doing something to generate his or her income due to an illness or a physical injury. Policyholders should note that some insurers may give benefits to disabled people only if they became disabled doing their current job. Other insurers give benefits to disabled people who cannot do any kind of job. For those who are considering applying for LTD benefits, it is highly advisable that you review the terms of your policy so you have the coverage you deserve.

The Indiana attorneys of the Hankey Law Office strongly believe many disabled LTD policyholders are wrongfully denied of their benefits. If you think this is happening to you, we can offer you legal assistance to help you get the benefits you need. Call us today at (800) 520-3633 to learn more.

Why asthma patients should be eligible for LTD benefits

Some workers who can no longer do their jobs after developing asthma should know there are various medications available to help them control its disabling symptoms. Below are the medications that could be considered by individuals afflicted with asthma:

  • Inhaled medication, such as beta agonists, corticosteroids, or a combination of the two
  • An oral form of corticosteroids
  • Regular Omalizumab shots
  • Theophylline medicines
  • Leukotriene modifier medications
  • Cromolyn sodium

Individuals who have developed asthma should note that long-term asthma medications are often expensive and in some situations could be effective if combined with other medications. For those who become disabled and can no longer continue doing their jobs due to serious symptoms of asthma, it is worth considering applying for long-term disability benefits to afford medications.

Many families, unfortunately, have to deal with a great financial loss if their loved one can no longer continue their work due to debilitating asthma symptoms. If you are in such a bind, an Indiana attorney at the Hankey Law Office can help you file for your long-term disability benefits. Call us today at (800) 520-3633 to learn more about your options.

Disabling symptoms of asthma

One of the most common respiratory diseases that can leave a person disabled is asthma. Reports suggest that over three million people in the U.S. suffer from asthma every year. Workers who develop asthma in their workplace may be unable to perform their jobs, especially if the condition becomes severe and affects their daily lives. Below are the possible signs that asthma is worsening:

  • Recurring asthma attacks and symptoms becoming unusually frequent
  • Breathing problems that become more frequent than usual
  • Asthma patients who find themselves heavily dependent on inhalers or breathing devices

People with asthma usually find it difficult to breathe during an attack because the airways of the lungs are swollen and constrict with more mucus. There are various medications and breathing devices available for asthma patients to breathe normally. Workers who have severe asthma, on the other hand, can file for long-term disability benefits. If you were disabled by asthma in Indiana, call an attorney at the Hankey Law Office today at (800) 520-3633 for filing assistance.

Workers who are at risk of being disabled by low back pain

Lower back pain is common for many people and can, in some cases, easily be treated. However, there are some factors that could lead to the disability of workers. For example, like in many states, workers in Indiana could apply for their long-term disability benefits if they can no longer continue their work due to severe low back pain. Below are the factors that could cause low back pains:

  • Any kind of work that requires prolonged sitting, repetitive motions, lifting heavy objects, or the use of machinery that produces too much vibration
  • Workers who seldom exercise and those who have bad posture
  • Workers who have unhealthy lifestyles like those who are smoking and those who are obese
  • Workers who are suffering from emotional hardships or stress

Though there are treatments available for people who have been disabled by low back pains, it could become expensive depending on the severity of the worker’s condition. If you are currently considering filing a long-term disability claim due to severe low back pain, an attorney of the Hankey Law Office in Indiana may represent you. Discuss your situation with us today by calling (800) 520-3633 to find out how we might help you get the financial assistance you need for your disability.

Treatments available for people disabled by emphysema

When individuals are diagnosed with emphysema, they often find themselves unable to continue working as they suffer symptoms related to serious breathing problems. However, there are medicines and other treatments available to alleviate emphysema symptoms.

Some emphysema medications are in the form of inhalers that are similar to asthma medications. The goal of the medication is to help normalize the patient’s breathing by opening the airways. Individuals with emphysema suffer breathing difficulty because the damaged air sacs fail to pass sufficient oxygen to the bloodstream. Other medications could be taken orally or introduced through an IV. However, such medications are seldom considered due to adverse side effects. Symptoms could also be alleviated by oxygen therapy sessions, especially for those who have severe emphysema. In the most serious cases, surgery could be required for emphysema patients.

If you are undergoing emphysema treatments such that you can no longer do your job, filing for long-term disability benefits is one way to sustain your expensive medications. Find out how an Indiana lawyer at the Hankey Law Office may assist you in the filing process today by calling (800) 520-3633.

LTD benefits denial due to lack of medical evidence

One of the common reasons long-term disability (LTD) filings are turned down is because applicants failed to provide all their medical documents to strengthen their legitimate disability claim. For many, LTD benefits augment their medical and living expenses as they can no longer do their job due to their disabling condition.

It is common for insurers to initially assume that LTD applicants have undergone medical treatments for their disability. Prior to the application, it is important to make a documentation of all doctor visits including treatments that have something to do with the disability. For example, if you have been disabled by a respiratory illness, it is sensible to present documents that you are seeing a pulmonologist including the tests and treatments you have. Insurers also turn down LTD application if there are some medical records missing as it could lead to inconsistency in the condition of the applicant. It is also critical that the patient gets a written statement from a doctor regarding the disabling condition and how it prevents the patient from doing his or her work.

Unfortunately, insurers that are backed by ERISA often deny LTD benefits, even if the applicant has complete medical evidence supporting their disability. However, if this happened to you, working with an attorney at the Hankey Law Office in Indiana who may legally represent you might lead to a better outcome. Call us today at (800) 520-3633 to find out how we may help you fight insurers acting in bad faith.

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