Long term disability benefits and leukemia

Indiana workers may be entitled to long term disability benefits (LTD) if they can no longer continue doing their job due to the disabling symptoms of leukemia. Leukemia is a type of cancer which causes bone marrow to produce defective white blood cells in the body.

While symptoms of leukemia may differ depending on the type a person has, below are the usual symptoms of the cancer:

  • Chronic weakness, fatigue, and fever
  • Episodes of bleeding, including chronic nose bleeding
  • Unexpected weight loss
  • Pain or swelling of the bones
  • Enlargement of the lymph nodes, spleen, or liver
  • Profuse sweating at night
  • Serious infections

The above leukemia symptoms may result in financial loss if workers can no longer continue performing work-related duties and require complex treatment. The lawyers of the Hankey Law Office in Indiana know just how important it is for workers who have been diagnosed with leukemia to get their disability benefits in order to pay for expensive treatments. Call our office today at (800) 520-3633 to learn more.

Importance of the initial long term disability insurance claim

Workers who are covered by long-term disability insurance programs sponsored by their employers in Indiana should understand that it is very important to provide any and all evidence to support the diagnosis of their disability.

Group long-term disability (LTD) insurance providers, generally governed by the Employee Retirement Income Security Act (ERISA) of 1974, are often very critical when looking for errors in claims that may allow them to deny benefits to individuals. Workers should understand that once the court decides to deny benefits, it will be very difficult to overturn such a decision in an appeal if there are significant error in documents provided by the claimant. In some situations, LTD applicants may file for an internal appeal before escalating their case to the federal court.

The attorneys of the Hankey Law Office in Indiana work on behalf of individuals who are seeking long-term disability benefits for serious injuries or illnesses. To consult with our legal team about creating the strongest possible application, call us today at (800) 520-3633.

Customizing your long term disability insurance policy

Workers should be aware that customized long term disability (LTD) insurance policies are available through many providers, and that they may have options when selecting certain “riders” to cover specific needs; however, when an individual uses a group plan through his or her employer, it is important to note that the employer generally has the power to pick and choose which riders employees will enjoy. Individual plans, on the other hand, allow workers to choose from a number of options, including:

  • Catastrophic disability
  • Child care benefit
  • Cost-of-Living Adjustment
  • Extended Earnings Protection
  • Dependent child continuing education benefits
  • Future increase option
  • Pension contribution
  • Non-cancelable and guaranteed renewable rider
  • Return of premium
  • Relocation expenses
  • Workplace modification

Unfortunately, many employers fail to take advantage of these benefits in order to save money. If you have been injured on the job, it may be in your best interest to retain a skilled disability attorney who can help you get the most out of your LTD provider. At the Hankey Law Office in Indiana, our legal team will use our vast understanding of LTD law to help you. Call us today at (800) 520-3633 to learn more.

Disabling complications of osteoporosis

People who depend on their physical strength to complete their everyday jobs may be eligible to for long-term disability insurance if they believe that they can no longer perform their jobs after their bones fail to regenerate and eventually become frail.

Older adults who work in construction sites, industrial sites, or even inside the office are at risk of suffering from hip or spine fractures caused by osteoporosis. In some serious situations, people with osteoporosis may suddenly become disabled. Workers, especially older women or those whose families have histories of osteoporosis, are advised to notify their doctors about it after suffering symptoms like back pain, abnormal posture, or any recurring back issues precipitated by a previous injury.

Workers who become disabled as a result of severe osteoporosis may often struggle to keep their jobs and provide for their families; that’s why it is essential for disabled workers to ensure they are covered with long-term disability insurance. At the Hankey Law Office, our legal team has a strong understanding of the detailed and complex legalities associated with Social Security Disability, and we can answer any questions you may have regarding your coverage. Call us today at (800) 520-3633.

Avoiding deception from LTD insurance companies

Though the U.S. government provides benefits to workers who develop disabling health conditions, it is often a good decision to consider getting Long-Term Disability insurance (LTD). However, workers should keep the following in mind when getting LTD to avoid being deceived:

  • Make a thorough investigation of the insurance provider or talk to someone who is familiar with the company.
  • Make sure that you clearly understand all the benefits you are going to receive from the insurance company.
  • Do not hesitate to ask important questions, like what percentage of your salary will you get and for how long will you receive such benefits.
  • Study the written policy thoroughly and try to understand everything written, especially in the policy’s fine print.

Having a clear understanding of your insurance policy is important for you to make sure that you will be financially protected in the unfortunate event that you develop a disabling injury or illness. Fortunately, the Indiana lawyers at the Hankey Law Office are ready to work for you if you suspect that you are being denied your rightful benefits. Find out what our experienced team can do to help you by calling us today at (800) 520-3633.

Disabling symptoms of obstructive uropathy

Individuals may find it hard to continue doing their jobs if they develop obstruction uropathy, or the urination problem that results from swollen kidneys.

Indiana workers who are diagnosed with obstructive uropathy may suffer from long term disability if their urine is not properly expelled from their body, thereby eventually damaging the kidneys. Workers who experience urination problems may be required to have some tubes connected to their ureter to help expel urine from the kidneys and are advised to undergo a surgery procedure to remove the blockage in the urinary system. Since obstructive uropathy can be caused by some cancers and other kidney disorders, individuals who develop such problems should long term disability benefits in a timely manner to sustain the medications they need to recover.

The lawyers of the Hankey Law Office in Indiana believe that workers should receive long term disability benefits in this difficult situation that they are suffering from obstructive uropathy. Find out how we may help you get your much needed benefits today by calling 800-520-3633.      

Brain trauma as a long-term disability

Since the brain commands all the movements of a person’s body, a brain-related injury may prevent a person from being able to earn income. Intracranial injury, commonly known as brain trauma, is one such injury that often disables victims enough to where they struggle maintaining employment.

People who developed brain trauma, depending on the condition, may experience the following complications:

  • Altered state of mind
  • Communication, thinking, emotional and behavioral problems
  • Damaged senses
  • Brain damage and other brain-related diseases may arise

When you are suffering from a disability that is brain-related, it may be critical to apply for long-term disability to get the funds you need to live. A skilled disability benefits attorney can help you make your claim stronger. If you have a debilitating brain injury in Indiana, the lawyers of Hankey Law Office may advocate for you. Find out how we may help you get the funds you need through long-term disability benefits today by calling (800) 520-3633.

Long-term disability benefits for workers with anorexia nervosa

Workers with anorexia nervosa may be entitled to long-term disability benefits if their condition is so severe that it has hindered their ability to work.

The lack of adequate food intake in individuals with anorexia may cause them to experience severe damage to internal organs like the heart and gastrointestinal system. Anorexic men may experience testosterone deficiency, while anorexic women may experience very abnormal menstrual periods. An anorexic individual’s nutritional deficiencies can also cause psychological disorders like drug abuse and depression.

Our Indiana attorneys at the Hankey Law Office P.C. understand that anorexia can be a very debilitating condition. If anorexia nervosa has adversely affected your ability to work, you may want to look into applying for long-term disability benefits. Our legal team may be able to assist you with this process. Call us at (800) 520-3633.

Long term disability benefits for persons with bronchiectasis

Persons who are suffering from bronchiectasis, which is a serious respiratory disease in which the air passage known as the bronchi is obstructed due to inflammation, may qualify to get long term disability benefits if their condition worsens to a significant point.

Bronchiectasis may develop as a result of other illnesses, like tuberculosis, having mucoviscidosis, or from being a heavy drinker. People affected by the disease usually have adverse health conditions like breathing problems and bad breath caused by periodic infections of the respiratory.

Unfortunately, when this condition becomes serious, it can cause the organs to not get enough oxygen, leading to heart problems and more. In these situations, a person may too much medical care and be unable to perform work-related tasks, leaving them in need of long-term disability.

Getting long-term disability benefits can be difficult. However, if you have bronchiectasis and live in Indiana, our lawyers form the Hankey Law Office may be able to help you through this process. Find out more about how we can possibly help by calling (800) 520-3633.

Peripheral artery disease and disability

When a worker develops peripheral artery disease (PAD), which is a circulatory disorder that primarily affects the legs, he or she may become disabled and unable do his or her work.

Workers suffering from PAD may experience difficulty walking, as they may feel extreme pain due to the decreased blood flow caused by thinning arteries of the legs. The thinning of the arteries is caused by plaque, made up of fat, cholesterol, and other substances, gets stuck in the arteries, restricting the normal blood flow. If the condition worsens, workers with PAD may suffer from gangrene, which could lead to amputation in the most severe of circumstances. Workers suffering from this condition may also develop heart problems due to the restriction of blood flow in their body.

Suffering from peripheral artery disease can be devastating, especially if you are unable to work. Fortunately, through long-term disability benefits, people suffering from PAD may be able to get financial assistance to help them manage their medical and daily expenses. If you are in Indiana, speak with a lawyer from the Hankey Law Office about how we can help you through the long-term disability process by calling 800-520-3633.

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