Understanding “Gainful” occupation in LTD policies

Long Term Disability (LTD) policy holders should understand that they may be eligible to receive their benefits given that they are no longer able to preform in a “gainful” occupation to sustain their living. This can be important if policy holders are claiming their benefits due to their inability to earn enough to sustain their living needs.

Oftentimes, policy holders’ occupation is considered “gainful” if they can still earn at least 60 percent of their wages before they become disabled by a medical condition. Since insurance providers define disability in terms of “own occupation” and “any occupation”, it is important for a policy holder to fully review his or her LTD policy before filing a claim. Disabled “any occupation” plan holders may be denied their benefits if their insurer concludes they are able to hold a job that will earn 60 percent of their wages before they became disabled. On the other hand, disabled “own occupation” policy holders may possibly receive benefits if they can no longer earn 60 percent of their wages in a job that matches their talents or skills when assessed by their insurer. Benefits may still be given to “own occupation” policy holders even if they can earn 60 percent of wages from doing other types of work. The wage percentage may vary in every state, another important reason for individuals to review their policies before filing a claim.

The lawyers at the Hankey Law Office in Indiana advocate for individuals who are suffering from a long-term disability. We understand that disabled individuals promptly need access to their benefits to sustain their family while recovering. If you are in such a situation, call us today at (800) 520-3633 to learn more about your options.


Understanding the “elimination period” in long term disability plans

Disabled workers who have decided to file for their long term disability (LTD) benefits should understand that they have to wait for a certain period of time before they start getting their benefits.

Applicants will almost always have to deal with an “elimination period” between the time the disability begins and the time at which patients will be eligible for benefits. During this waiting period, disabled workers may not be able to receive any payments; depending on the LTD plan, this period may last anywhere from three to six months. Applicants are often forced to use up all of their sick days in order to keep income from jobs during the wait period, as short-term benefits do not often last the entire duration of the elimination period.

Unfortunately, many disabled workers are significantly inconvenienced, to say the least, by these lengthy elimination periods. If you are struggling to gain access to the disability funds you need, contact an Indiana attorney at the Hankey Law Office today by calling (800) 520-3633.


Common reasons for LTD benefits termination

Individuals who are receiving long term disability benefits (LTD) should be aware that their monthly payments can be cancelled by insurance providers under certain circumstances. Below are the possible reasons for LTD benefit termination:

  • Policies have limited LTD benefits for mental and other chronic illnesses
  • Beneficiaries who secure word may lose eligibility for LTD
  • Failure to undergo appropriate treatment to recover from the disability
  • Failure to apply for SSDI benefits
  • Varying disability definition after certain coverage periods
  • Disabilities do not inhibit the beneficiary’s ability to perform daily tasks
  • LTD beneficiaries will lose benefits when they reach retirement age or pass on

Since insurance policies vary, it is important for LTD beneficiaries to read every detail of their policy to avoid having their benefits terminated.

Sadly, many long term disability recipients experience financial problems when their benefits are suddenly terminated. Our attorneys at the Hanky Law Office work to represent clients who are having difficulty dealing with the Social Security disabilities offices in order to receive benefits. For more information on what we do, call our Indiana office at (800) 520-3633 today.


Disabling symptoms of hand-arm vibration syndrome

Workers who use certain equipment in their everyday occupations may be at risk of suffering from the disabling symptoms of HAVS, or hand-arm vibration syndrome.

When workers develop HAVS, the nerves, blood circulation, and tissues in their hands and arms are damaged due to oxygen deprivation caused by excessive vibration of equipment during operation. Workers with HAVS experience numbness and painful tingling sensations in their hands and arms. Though the disorder normally subsides, skilled workers who seldom take breaks from using equipment like jackhammers, power lawnmowers, asphalt breakers, chainsaws, and needle guns may suffer from the disabling symptoms of HAVS.

The legal team at the Hankey Law Office understands that workers who can no longer work due to the disabling symptoms of HAVS should seek long term disability benefits for support and treatment. If you are experiencing this, we may help you in the filing process for the benefits you need. Call our office today at 800-520-3633 to learn more about your legal options.


Differentiating LTD insurance from Long term care insurance

Workers in Indiana should clearly understand that Long Term Disability Insurance is different from Long Term Care Insurance, and it is crucial that they thoroughly understand the difference between the two before deciding what policy to get.

Workers who are considering getting Long Term Disability Insurance should expect to receive benefits in the unfortunate event that they develop a serious medical condition or become too injured to do their job. Disabled workers may receive 60 percent of their income under this policy. Long Term Care Insurance, on the other hand, will not give a worker financial assistance in the event of an accident. This kind of policy may benefit workers who need prolonged care assistance, such as in assisted living or a nursing home.

If you are filing or appealing for your long term disability benefits in Indiana, a lawyer from the Hankey Law Office may assist you through every step of the process. Call us today at 800-520-3633 to find out how we may help you.


Consider a long-term disability insurance plan

Individuals who are considering long term disability insurance plans should examine the following factors before buying an insurance policy to make sure that all their needs will be fulfilled if they suffer from a prolonged injury or illnesses:

  • Your workplace or job nature is risky.
  • You have family members or any independents that rely solely to your income.
  • You still have unsettled debts, such as a car loan or monthly mortgage.

Individuals who have purchased LTD insurance policy are given a percentage of their lost salary during a prolonged injury or illness, which can be critical for those unable to work for a period of time.

Sadly, the Indiana legal team at the Hankey Law Office believes that many workers suffering from a long term disability who are covered by LTD insurance have been wrongfully denied their benefits. If you think you are in such a position, our lawyers may possibly help you file a claim against a bad faith insurance company. Call our office today at 800-520-3633 to learn more about your options.


Disabling symptoms of Myasthenia Gravis

Myasthenia Gravis is an incurable disorder that causes weakness to the muscles and disabling symptoms that may prevent people from continuing their daily jobs. Symptoms include:

  • Vision problems like diplopia or ptosis
  • Oral problems like distorted speech and eating problems
  • Minimal facial expressions
  • Muscles in the neck and limbs may also be affected, possibly resulting in a difficulty to perform basic physical activities like walking or lifting objects

People suffering from severe symptoms of Myasthenia Gravis may need to discontinue their jobs and undergo a series of therapies to improve their weakened muscles.

In this difficult situation that you are suffering from severe Myasthenia Gravis, you may be entitled to receive long-term disability insurance that will allow you to sustain your treatments and support your living expenses. Find out how the Indiana lawyers of the Hankey Law Office may possibly help you get your benefits today by calling 800-520-3633.


Illnesses that can be considered as disabilities

Citizens likely understand that qualifying disabilities are derived from serious physical injuries that prevent them from performing their daily income-generating jobs. However, individuals should also know that suffering from complications of serious illnesses or conditions may also be considered a disability. The following conditions may qualify you or a loved one for disability benefits:

  • Alzheimer’s disease
  • Fibromyalgia
  • Lupus
  • Cancer
  • Thyroid disorders
  • Huntington’s disease
  • Acute respiratory diseases

Disabilities are considered to be “long term” if illnesses or injuries last for a year or is untreatable. Workers who can no longer work after suffering from complications of such serious illnesses should consider applying for long-term disability insurance benefits to help them pay their hospitalizations and augment their financial situation during this difficult time.

The Indiana legal team at the Hankey Law Office provides legal assistance to disabled individuals in Indiana who are applying for their long-term disability benefits. Find out how our knowledgeable lawyers may work for you today by calling 800-520-3633.


Are LTD insurance benefits affected by SSDI?

Workers in Indiana who can no longer continue doing their job after developing a serious health condition should understand that they can likely qualify for Social Security disability insurance (SSDI) even if they have long-term disability insurance (LTD) through a private company or employer.

So, yes!, workers can receive both Social Security disability payments in addition to private long-term disability payments. However, disabled workers who have been approved for their SSDI benefits should be aware that their LTD provider may slightly reduce their long term disability payments to compensate. In some cases, insurers may adjust the payout even if you do not apply for SSDI benefits.

Taking advantage of both SSDI and LTD benefits in times of disability is crucial for workers to improve their health and cover their living expenses during this frustrating period of their lives.

Sadly, applying for your long-term disability benefits may be extremely difficult, especially if you are dealing with a negligent insurance provider. However, if you have decided to apply or appeal for your benefits in Indiana, the lawyers of the Hankey Law Office may be able to help you. Find out how we may work to successfully secure your deserved benefits today by calling 800-520-3633.


Possible complications of Nephrotic syndrome

Workers who have developed nephrotic syndrome are at risk of suffering other health complications if their kidneys expel large amounts of protein in the urine. Individuals can no longer continue their jobs after developing the following complications linked to the disorder.

  • High blood pressure and high cholesterol
  • Weight loss or malnutrition
  • Serious kidney failure or recurring kidney disease
  • Blood clots
  • Infections

Treatment of nephrotic syndrome varies depending on the cause of the disorder and its complications. Physicians may prescribe medications to control the disorder or to treat its complications.

In this difficult situation that you can no longer continue working due to nephrotic syndrome complications, working with a skilled attorney is crucial for you to possibly get your much needed long-term disability benefits to cover the costs of medical treatment. Find out how the Indiana attorneys at the Hankey Law Office may work for you today by calling 800-520-3633.


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