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.

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.

Tuberculosis and long-term disability benefits

Families often find themselves struggling with a great financial loss when their loved ones are infected by tuberculosis (TB). However, workers in Indiana should know they may be able to obtain their long-term disability (LTD) benefits if TB prevented them from earning an income.

When bacteria starts to accumulate inside the lungs, individuals may experience symptoms that can prevent them from doing their jobs. Symptoms such as persistent coughing that does not subside, sudden weight loss, chest pains, fever, fatigue, loss of appetite, and coughing up blood are common when TB is active. People who have active TB can cause infection to the people around them. In some situations, TB may be latent, especially when it does not have any symptoms. Though several medications are available for people with TB, in some cases the bacteria may become so strong that medications are no longer effective.

If you believe you can no longer continue working due to the debilitating symptoms of tuberculosis, working with a skilled attorney is critical, especially if you are applying for LTD benefits. Speak with a Hankey Law Office attorney in Indiana today by calling (800) 520-3633 to find out how we may work on your behalf.

Disabling complications of heart disease

Heart diseases are often serious issues that leave patients permanently disabled or in critical condition, depending on the severity of the condition. Workers may be eligible to obtain their long-term disability (LTD) insurance if they suffer from any of the following complications linked to heart disease.

  • Heart attack: a condition when a blood clot causes damage in some muscles of the heart.
  • Heart failure: when the heart can no longer function to circulate blood needed by the body.
  • Ischemic stroke: brain tissue dies as a result of insufficient blood reaching the brain due to clogged arteries.
  • Atherosclerosis: the condition that causes leg pain due to insufficient blood reaching the lower limbs.
  • Aneurysm: the artery wall bulges and can cause fatal internal bleeding.
  • Sudden loss of heart function or “cardiac arrest,” which can lead to death.

Workers who have any kind of heart disease should be able to obtain their LTD benefits so they can sustain treatments that may include surgery procedures, depending on the severity of the disease. If you are in such a situation in Indiana, an attorney at the Hankey Law Office may be able to offer you legal assistance in filing for or appealing your LTD benefits. Find out how we could help you obtain your needed benefits today by calling (800) 520-3633.

Long term disability benefits entitled to individuals who have Huntington’s disease

Workers who are covered by long-term disability (LTD) insurance may be entitled to get their benefits if they have started to suffer from its debilitating symptoms that eventually prevent them from earning a living. Individuals who have a disease like Huntington’s Disease may no longer be able to provide for the financial needs of their family because disabling symptoms usually manifest between the age of 30 and 40.

The disease happens when the nerve cells in the brain start to deteriorate and individuals who have it may suffer from the following disabling symptoms that could prevent them from doing any kind of jobs.

  • Loss of coordination
  • Speaking problems
  • Uncontrollable muscle spasms
  • Abnormal behavioral changes
  • Dementia

Though Huntington’s disease has no cure, there are various medications that are available to possibly manage its symptoms. In some situations, individuals may be required to undergo therapy sessions to possibly improve their mental and physical capabilities.

Sadly the disabling symptoms of Huntington’s disease are difficult to prove when filing for long term disability benefits. However, if you are in such situation in Indiana, an attorney of the Hankey Law Office may represent you. Find out how we may help you strengthen your LTD claims today by calling (800) 520-3633.

The advantage of purchasing an LTD insurance plan

Long-term disability (LTD) insurance plans are designed to provide financial assistance to individuals who can no longer do their jobs in order to make a living after sustaining debilitating injuries or illnesses. While LTD plans are oftentimes provided by employers, individuals might want to consider purchasing their own LTD policy.

Workers who have LTD coverage are protected and a percentage of their income is given to them. Unfortunately, not all LTD policies provided by employers are the same and some can be insufficient depending on the severity of one’s disability. While purchasing an LTD policy can be expensive for some, workers who buy a separate plan may receive higher payments upon reimbursement.

Workers who are covered by their employers’ LTD should know that the benefits they will receive are taxable, unlike LTD policies that are purchased from an insurance agent. Whether provided by employers or purchased separately, workers should consider getting an LTD policy. As the U.S. Census Bureau noted, roughly one of every five workers suffers from a long-term disability.

Unfortunately, there are times when LTD providers wrongfully deny or delay the benefits needed by disabled workers who have LTD coverage. If you are experiencing difficulty applying for benefits in Indiana, a lawyer of the Hankey Law Office may advocate for you. Call our office today at (800) 520-3633 to learn more about your options.

Disabling complications linked to pneumoconiosis

Coal miners often suffer from long-term disabilities when they develop pneumoconiosis, which occurs when they accidentally inhale tiny particles of coal, graphite, or man-made carbon while at the mining site. Coal miners in Indiana who have pneumoconiosis, also known as black lung disease, should consider applying for disability benefits so they can afford medication and help support their families. Miners may be eligible for benefits if they have any of these complications:

  • Caplan Syndrome or pneumoconiosis with rheumatoid arthritis
  • Chronic Bronchitis
  • Progressive massive fibrosis
  • Chronic obstructive pulmonary illness
  • Respiratory failure
  • Cor pulmonale

Although some cases of pneumoconiosis can be treated by taking breathable medications, there are also some cases that require a patient undergo a lung transplant. If you or a loved one contracted a respiratory illness in Indiana, an attorney at the Hankey Law Office may be able to help you file  your long-term disability claim. Discuss your situation with us today by calling (800) 520-3633 to learn more about your options.

Disability benefits for individuals with anxiety disorders

Individuals who are suffering from anxiety disorders may be entitled to long-term disability (LTD) benefits in Indiana if the disorder persists such that they can no longer do a job to earn a living. According to the Anxiety and Depression Association of America, roughly 40 million adults are affected by the disorder.

Some forms of anxiety are considered normal. However, individuals may no longer be able to perform their job tasks if they have one of the following conditions:

  • Social phobia: Fear of interacting with other people
  • Generalized anxiety disorder: Excessive, persistent, and often unrealistic worrying
  • Post-traumatic stress disorder (PTSD): Stress triggered by flashbacks of a traumatic event from the past
  • Panic disorder: Chronic panic attacks that often trigger abnormal heartbeat, breathing problems, and excessive sweating
  • Obsessive-compulsive disorder (OCD): Unrealistic fears or thoughts that often result in uncontrollable habits

Anxiety disorder is difficult to prove when filing for long-term disability benefits. However, if you can no longer work due to your disability, hiring an attorney for your case can help you strengthen your claim. Find out how an attorney at the Hankey Law Office in Indiana may be able to work for you. Call us at (800) 520-3633 to learn more about your options.

How cancer patients can receive LTD benefits

Cancer patients should note that they are not automatically eligible to receive long-term disability (LTD) benefits given their condition. To become eligible for these benefits, cancer patients must prove that they can no longer perform their job to earn an income.

Regardless of the cancer stage, individuals applying for benefits should be aware that their claims will undergo rigorous review. It is important for cancer patients to get a copy of their claim file from their LTD plan provider. The LTD claim should include all pertinent medical records that support their disability. Medical exam results from x-rays, ultrasounds, bone scans, MRI’s, and biopsies are some of the evidence cancer patients need to include in their file. Cancer patients may want to consider obtaining statements from co-workers, supervisors, relatives and friends to prove that their daily living has been impacted by their severe condition.

Cancer patients who are filing for LTD benefits in Indiana may want to enlist the help of an attorney at the Hankey Law Office to ensure there is strong evidence to support their claim. Call us today at (800) 520-3633 to find out how we may work for you.

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