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.
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.
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.
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.
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.
People should consider applying for long-term disability (LTD) benefits in Indiana if they can no longer earn an income due to the debilitating symptoms of degenerative disc disease (DDD). People who are afflicted with DDD may find it impossible to carry out even the most simple tasks if they experience any of the following symptoms:
- Chronic pain that takes place in the lower back or neck
- Sharp pain triggered by usual body positions such as bending or lifting of objects
- Problems sitting and standing for longer periods
- Varying pain levels depending on body positions triggering back and neck pain
Though there are medicines and therapies available to alleviate DDD symptoms, individuals suffering from it may file a claim because severe cases of DDD may require expensive surgical procedures to address the crippling pain.
If you can no longer continue working because of the debilitating symptoms of degenerative disc disease, working with a skilled legal counsel could be beneficial if you are applying for or appealing your LTD benefits. Discuss your situation with an Indiana attorney of the Hankey Law Office today by calling (800) 520-3633.
Back injuries often result in financial loss when workers are unable to do their jobs. Though there are multiple ways a person can sustain a debilitating back injury, some common back injuries are spondylolithesis and cervical radiculopathy.
When the vertebra at the base of the spine suddenly breaks or fractures, a person could be suffering from spondylolithesis. This type of back injury is very common: over three million people every year are affected. Spondylolithesis may result in a long-term disability when it becomes persistent and the pain affects the lower limbs or makes them numb. The other type of back injury is cervical radiculopathy. This type of back injury usually happens when the nerve in the vertebrae of the upper spine is damaged. Individuals who have this kind of injury often find themselves incapable of performing simple physical tasks because its symptoms affect the neck, shoulder, and arms. Though there are various treatments and therapies available for people who have back injuries, some may need to undergo expensive surgical procedures.
The attorneys at the Hankey Law Office understand many people in Indiana suffer from a great financial loss after encountering a back injury. We may be able to offer you legal assistance to help you receive your long-term disability benefits. Find out more about your legal options today by calling (800) 520-3633.
Workers may need to get long-term disability (LTD) benefits in the situation that they developed emphysema and can no longer make a living. One of the chronic obstructive pulmonary diseases (COPD), emphysema gradually progresses and its symptoms often manifest when the lungs’ alveoli have been damaged.
Individuals may want to seek medical attention if they are experiencing unexplainable shortness of breath that does not normalize for months as, eventually, a person with emphysema will be unable to do simple physical activities like climbing up stairs. Emphysema also reduces the oxygen supplied to the bloodstream that may lead to a person experiencing reduced mental alertness. Individuals with emphysema are at risk of suffering complications like heart problems, collapsed lung, or holes in the lungs. Workers who become disabled by emphysema may sustain their often expensive medications if they are getting their LTD benefits.
The lawyers of the Hankey Law Office in Indiana provide legal assistance for workers who have been disabled by emphysema. Find out how we may help you in the application or appeal of your claim today by calling (800) 520-3633.
Workers who can no longer continue making an income after they are disabled by a serious illness or physical injury often rely on long-term disability insurance (LTD) to sustain their treatments and other daily expenses. If you are applying for your LTD benefits, you might want to follow these tips when filing a claim:
- Document all of the conversations you have with the insurance company.
- Make sure to review the LTD policy before making any decisions related to filing for an LTD claim.
- Make sure that you immediately respond to all correspondence required from you.
- Immediately provide all supporting documents that are being asked by the insurance company.
- Avoid frustration if your LTD claim is denied because everyone has the right to file an LTD appeal.
Though the above tips are worth considering, applying for long-term disability benefits can still be tricky, especially if you are unfamiliar with the process. However, if you are filing or appealing your LTD benefits in Indiana, the skilled attorneys at the Hankey Law Office may be able to work for you. Find out how we can help you get your benefits today by calling (800) 520-3633.
Oftentimes people are at a loss and devastated when learning they can no longer work due to a disabling medical condition. The situation can be worse if the person who became disabled has a family to support. However, individuals should understand that they can help the situation by remaining as calm as possible when contacting their long-term disability (LTD) provider in Indiana.
Though it may seem difficult, people should organize their thoughts first before contacting their LTD provider. Insurance companies might not understand a person who is shouting or giving disorganized information regarding their condition. It is easier to recount the events that led to a person’s long-term disability when one remains calm and maintains an authoritative voice.
Fortunately, there are skilled lawyers who provide legal assistance to disabled individuals who are applying or appealing for their long-term disability benefits. If you think you are in a related situation in Indiana, a lawyer at the Hankey Law Office may work for you. Call our office today at (800) 520-3633 to find out how we may possibly help you get your much needed benefits.
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