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.


The truth about long-term disability insurance (LTD)

Long-term disability insurance policies are designed to provide financial assistance to policyholders who can no longer continue earning an income as the result of a debilitating illness or injury. Though no two policies are the same, individuals who have LTD may want to take note of the following:

  • Taxes are deducted from LTD policies that are provided by employers. Personally purchased LTD policies are not taxed.
  • LTD coverage provided by employers is often limited compared to policies purchased personally.
  • Many LTD policies have a two-year coverage limit.
  • LTD policies provided by employers are non-transferable, meaning if a policyholder gets a new job then he or she is no longer covered by LTD benefits of the previous employer.

The attorneys at the Hankey Law Office in Indiana represent individuals afflicted with long-term disabilities. If you are in such a situation, we may be able to offer you legal assistance to help you obtain the benefits you need for recovery. Call our office today at (800) 520-3633 to learn more about your legal options.


The expensive cost of treating renal hypertension

Individuals may be eligible for long-term disability benefits if they develop chronic renal diseases. One of the disabling diseases a person may develop is renal hypertension, which occurs if the arteries of either of the kidneys are narrowed.

Individuals who are diagnosed with renal hypertension are usually required to take medications such as ACE inhibitors or angiotensin II receptor blockers (ARBs). In some situations, patients may need to undergo an angioplasty procedure if their condition is not improved by medications. An angioplasty is a procedure that requires a patient to have a catheter threaded into his or her groin’s large artery in order to aid blood flow. At some point, the patient’s renal artery can be expanded through the use of stents. If those procedures fail to improve blood flow, the patient may need to undergo a surgical procedure of attaching a healthy blood vessel to bypass a narrowed renal artery.

In the difficult situation that you are taking medication or undergoing a surgical procedure after being disabled by renal hypertension, enlisting a qualified attorney is important. Especially if you heavily rely on your long-term disability benefits, speak with an attorney at the Hankey Law Office at (800) 520-3633 to learn more about your options.


Back problems that may qualify you for long-term disability benefits

Individuals with back pain that prevents them from being able to continue working may be eligible for long-term disability (LTD) benefits. Since many claims involving back pain are denied by insurance companies, citing a lack of evidence that supports the alleged levels of pain, it’s important to understand how to qualify for benefits. The following are some of the back problems that often qualify individuals for LTD benefits:

  • Herniated disc
  • Degenerative disc disease (DDD)
  • Osteoporosis
  • Any kinds of inflammations in the back like sacroiliitis, arachnoiditis, and ankylosing spondylitis.
  • Spinal stenosis

Regardless of your condition, you must provide adequate documentation that proves that your back problem is so debilitating that you would be unable to maintain employment.

Due to how often back problem claims for long-term disability benefits are denied, it is important to consult with an attorney throughout the filing process. An Indiana attorney with the Hankey Law Office may be able to help you file for these critical benefits. Call our office today at (800) 520-3633.


Basis for long-term disability claim rejection

Workers who need to be covered by long-term disability (LTD) insurance may get frustrated to learn that their insurance provider rejected their claim if they feel their disability deserved reimbursement. Insurers usually deny LTD to workers who fail to provide strong evidence on their disability claim. Workers may not get benefits for the following reasons:

  • Workers who only suffer pain may not qualify as having a real medical condition and may not get their LTD benefits
  • The workers’ disability is pre-existing and they are not getting medication or doctor’s care
  • Their insurer learned that they can still perform their job effectively even with their disability

The lawyers at the Hankey Law Office believe that many disabled Indiana-based workers are entitled to receive long-term disability benefits. If your insurer failed to reimburse your much needed benefits, we may possibly help you with your claim. Discuss your situation with us today at (800) 520-3633, and learn more about your options.


Indiana health care provider violates HIPAA

A health care provider in Indiana was ordered to settle a fine worth $800,000 after violating a privacy rule of the Health Insurance Portability and Accountability Act (HIPAA) of 1996, Business Weekly reported on June 23.

According to the complaint filed by Dr. Christine Hamilton, staff members of Parkview Health left thousands of patients’ medical records unattended and unguarded on her driveway on June 4, 2009. The dozens of boxes containing medical records were left near a busy street even though Dr. Hamilton told Parkview that she refused to accept the delivery at that time. In addition to the monetary settlement, Parkview also agreed to conduct staff training and review its methods of safeguarding medical records of patients.

The maintenance of medical records is a vital service that patients trust professionals to handle. Sadly, many workers are denied long-term disability insurance when health care providers fail to secure their medical records. If you experience this, a lawyer may work for you to get the benefits you need. Speak with the Indiana-based lawyers at the Hankey Law Office today by calling (800) 520-3633, and learn more about your options.


HIPAA violations mostly accomplished through theft

A recent federal report said most cases of Health Insurance Portability and Accountability Act (HIPAA) violations are done by theft of computers or other technological devices that contain people’s health information, McKnight’s reported on June 16.

Human Services Office of Civil Rights (OCR) and the U.S. Department of Health reported on June 11 that almost 50 percent of HIPAA information infringements every year are accomplished through device theft. An estimated 200 HIPAA violations that compromised more than 500 individuals each were reported to OCR in 2011 and 2012. Health care providers are required by HIPAA standards to notify federal authorities if information violations affect at least 500 persons. Those who do business with healthcare providers can also be responsible for HIPAA violations, as they were in a huge breach in 2011 that affected millions of people.

If you are having trouble getting your long-term disability benefits after your health information has been comprised in Indiana, the lawyers at the Hankey Law Office may advocate for you. Find out how our lawyers may represent you in this difficult time by calling (800) 520-3633.


How HIPAA protects workers’ medical information

In order to safeguard workers’ medical information, the Health Insurance Portability and Accountability Act (HIPAA) of 1996 ensures that covered entities and business associates strictly abide by rules for handling critical information.

  • Workers’ health information should be protected and prevented from being unnecessarily revealed by covered entities and business associates.
  • Only the necessary information should be accessible to covered entities.
  • Procedures in accessing workers’ health information should be established and covered entities should educate employees in protecting critical information.

Sadly, even though HIPAA was established to protect workers’ health information, many are still having problems being reimbursed for their long-term disability benefits. If you are experiencing this, an Indiana-based lawyer at the Hankey Law Office may advocate for you. Call us today at (800) 520-3633 to learn more about your options.


Filing complaint against entities covered by HIPAA

Any worker who believes that their rights have been violated by an entity regulated by the Health Insurance Portability and Accountability Act (HIPAA) of 1996 can file a complaint to the Office for Civil Rights (OCR) with the following requirements:

  • Workers may use snail mail, email, fax, or the complaint portal of the OCR in filing their complaint
  • Workers should clearly identify the name of the party that committed the violation and clearly describe their actions
  • Upon discovering a violation, the person filing a complaint only has 180 days

The attorneys at the Hankey Law Office represent people in Indiana in need of assistance filing for benefits. In order to get the benefits you need call (800) 520-3633 today to discuss your options with a skilled member of our team.