Understanding long-term disability

Accidents happen, and unfortunately, they can be devastating to an employee’s career. Fortunately, however, when a worker can no longer perform his or her job after sustaining a serious injury, long-term disability benefits may provide them with financial aid. As such, workers who have sustained serious injuries from their current work should know that they may be entitled to long-term disability payments from their employer.

Disabled workers should also understand that depending on the insurance plan of the disabled individual, long-term disability benefits usually cover about 50 to 70 percent of their previous salary and may support them from 5-10 years.

Employment tenure and other conditions are also considered before disabled workers may become an eligible beneficiary of long-term disability payments.

Sadly, many Americans who became disabled at work experience problems claiming their benefits. If you are having trouble claiming disability benefits in Indiana, the legal team at the Hankey Law Office may help you get the benefits you need through an appeal. Call (800) 520-3633 today to share your story with one of our lawyers.

Long term disability application process for workers with emphysema

Workers who have developed emphysema, which is a chronic lung disease that causes breathing difficulty due to degradation of air sacs in the lungs, may be able to obtain long-term disability benefits. In order to get these benefits though, a person must go through the application process and file a claim.

In applying for long-term disability benefits, workers who are afflicted by emphysema must prove how the disease affects their daily life and that they can no longer do any substantial work. Workers are also required to provide proper medical documentation from an accredited hospital or medical professional. When filing a claim for emphysema in particular, the results of a pulmonary function test should be provided in order to determine the seriousness of the disease. Additionally, an emphysema treatment track record and its effectiveness should be provided.

Being disabled due to health problems, such as emphysema, can affect your life drastically, especially when it comes to your finances. Fortunately, long-term disability benefits may be available to help you handle this situation. If you are looking to file a disability claim in Indiana, a lawyer from the Hankey Law Office can help you understand your options when you call (800) 520-3633.

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