Emotional repercussions of being denied LTD benefits

Workers in Indiana who can no longer continue perform their jobs after developing a debilitating health condition may need to file for long term disability (LTD) benefits. However, some individuals’ mental and emotional states can deteriorate when they are wrongly denied their much needed long term disability benefits. Here are some common and damaging emotional responses when this happens:

• Hopelessness– Many individuals will feel like there is nowhere to turn to once their benefits were denied.
• Anger– Anger and frustration is enough to exacerbate some individual’s physical or mental conditions.
• Depression–  Depression can lower productivity and lead some to dangerous behaviors like drug use or self harm.

The attorneys at the Hankey Law Office know that in Indiana alone, many disabled workers are wrongfully being denied of their much needed benefits. If this happens to you, we may work for your behalf to strengthen and appeal your LTD claim. Call us today at 800-520-3633 to learn more about your options.

Why workers with peripheral artery disease should receive LTD benefits

Workers in Indiana who develop peripheral artery disease (PAD) may be entitled to long term disability benefits since some of the complications of this condition make it difficult to work for many.

Those with severe PAD may suffer from serious complications like cardiovascular problems and severe ischemia affecting the limbs. They may also be required to undergo expensive surgical procedures when they suffer intermittent claudication. Workers suffering from the disease may find it difficult or even impossible to walk because blood is not normally flowing to their limbs as a result of plaques that narrow the arteries. Since walking is often difficult for those with PAD, it is extremely challenging to perform many basic work-related duties.

If it is impossible for you to continue working after developing peripheral artery disease in Indiana, the lawyers of the Hankey Law Office may possibly assist you in applying for your long term disability benefits. Find out how we can possibly help you get your much needed funds to sustain your lifestyle today by calling 800-520-3633.

Wilson’s disease and long-term disability benefits

People who develop Wilson’s disease, the rare disorder that occurs when excessive copper exists in vital organs, may find it impossible to continue working if they experience severe complications from the disorder. In this situation, those suffering may be eligible for long-term disability benefits. Some consequences of Wilson’s disease that may affect people long-term are:

• Liver damage that results in liver failure.
• Severe kidney problems.
• Recurring neurological and mental problems may occur, even in those undergoing treatment.

Though the disorder can be detected and treated in the early stage, some workers who suffer from complications of Wilson’s disease may need to undergo expensive and complicated surgery procedures to recover.

In this difficult situation, you may be entitled to apply for long-term disability benefits that could be critical to covering the costs of medications. If you are planning to file for your benefits in Indiana, the skilled legal team at the Hankey Law Office may work for you. Find out how our compassionate lawyers may possibly help you today by calling 800-520-3633.

Long-term disability benefits and paranoid personality disorder

Indiana residents who developed paranoid personality disorder, commonly known as PPD, may find it impossible to continue their work and should be entitled to long term disability benefits (LTD).

Workers who developed this kind of mental health condition often find it difficult to maintain prolonged social interactions, making many work environments difficult to navigate. Individuals with PPD may believe that coworkers or management is against them or a potential threat. Individuals with PPD may not be able to continue their present position at work if PPD interferes with their professional relationships.

If you are coping with this condition, working with a skilled lawyer to file for long-term disability benefits is important in order for you to strengthen your claim. If you are planning to file for your LTD benefits in Indiana, the attorneys of Hankey Law Office may assist you. Consult with our attorneys today at 317-634-8565 to learn more about your options.

When a worker is not covered by Long Term Disability (LTD) Insurance

When an employee is injured at work, there is likely a great need for funds to cover their treatment and the cost of lost wages. Workers who believe they may be able to apply for Long Term Disability Insurance, however, should be aware of the following circumstances that are not under the scope of this insurance:

  • Workers who are disabled by deliberately inflicting themselves.
  • Workers who failed to complete medication from previous illnesses or injuries.
  • Workers who are disabled as a result of war.
  • Workers who got disabled after being involved in criminal activities.
  • Workers who got disabled after being involved in tumultuous situations like riots.

If you are a disabled worker and are considering filing for your long term disability insurance, working with an experienced lawyer could be crucial to fully understanding the coverage of your insurance. Consult with the Indiana-based attorneys at the Hankey Law Office today by calling (800) 520-3633 to learn more about your options.

How to prove Long Term Disability

Individuals who can longer do their jobs as a result of developing incapacitating disabilities should collate all evidences for their insurer. Only by doing this can a person receive their much needed long-term disability benefits to cover expensive medications and treatment.

  • Individuals should clearly tell their doctor about their health condition, severe symptoms, and how it affects their job performance
  • Individuals need to have copies of their medical records from the beginning of their debilitating illnesses
  • Individuals may want to seek a letter from their doctor detailing their disability and clearly explaining how they can no longer do their job as a result of the disability

Proving your long term disability to your insurer by gathering your medical records can be difficult, mostly if you are unclear on how best to do this. In this difficult situation, consulting an experienced lawyer could be critical to strengthening your long term disability claim. Speak with the Indiana lawyers of the Hankey Law Office today by calling (800) 520-3633, and learn how we can help.

LTD benefits for workers who developed schizophrenia

Workers unfortunately oftentimes cannot continue doing their jobs after developing schizophrenia or other serious types of conditions that abnormally alter their sense of reality. Individuals with long term disability (LTD) insurance should be entitled to their benefits if their work is affected by the following complications of schizophrenia:

  • Self abuse, self infliction, or even suicidal tendencies
  • Distorted sense of reality, delusions or hallucinations
  • Avoiding social interactions that affects productivity
  • Family or relationship problems

Sometimes insurers do not recognize the debilitating nature of this condition and will not award you the funds you need. If you can no longer work due to serious complications of schizophrenia, a lawyer may possibly help secure long-term disability benefits so you can cover costly treatment and living expenses. Find out how the Indiana attorneys at Hankey Law Office may represent you today by calling 800-520-3633.

Differentiating between LTD insurance and SSI

Though long-term disability insurance (LTD) and Supplemental Security Income (SSI) are both benefits aimed to support individuals who can no longer earn income due to their disability, but it is important to know the difference between the two:

  • LTD is run by private insurance companies while SSI is a program of the Social Security Administration.
  • Employers usually provide LTD to their workers while SSI is a privilege of individuals living and working in the U.S.
  • Workers have an option to buy their own LTD insurance while SSI benefits are only given to those who are eligible to receive it.

If you are suffering from a debilitating injury and your insurance company is delaying your long-term disability benefits, a lawyer may possibly represent you. Find out how the Indiana lawyers of Hankey Law Office may help you pressure irresponsible insurance firms into releasing your much needed benefits today by calling (800) 520-3633.

Basis for long-term disability claim rejection

Workers who need to be covered by long-term disability (LTD) insurance may get frustrated to learn that their insurance provider rejected their claim if they feel their disability deserved reimbursement. Insurers usually deny LTD to workers who fail to provide strong evidence on their disability claim. Workers may not get benefits for the following reasons:

  • Workers who only suffer pain may not qualify as having a real medical condition and may not get their LTD benefits
  • The workers’ disability is pre-existing and they are not getting medication or doctor’s care
  • Their insurer learned that they can still perform their job effectively even with their disability

The lawyers at the Hankey Law Office believe that many disabled Indiana-based workers are entitled to receive long-term disability benefits. If your insurer failed to reimburse your much needed benefits, we may possibly help you with your claim. Discuss your situation with us today at (800) 520-3633, and learn more about your options.

Understanding long-term disability insurance terminology

A person covered by long-term disability insurance should have full knowledge of the important terms that are used to describe their policy and benefits. These terms are often complicated, but can be easily understood with the help of a disability lawyer.

Some of the common and important terms you should know include:

  • Accumulation period – stands for the continuous number of days that a person is diagnosed with disability.
  • Elimination period – the duration a person must wait before insurance benefits are provided.
  • Monthly indemnity – means the amount of monthly benefits given to a disabled person. 
  • Benefit period – determines the longest possible duration of the benefits that will be provided to someone for a particular disability. 
  • Future increase option rider – means that a disabled person can apply annually to extend coverage until the age of 55.

Understanding these important terms can help you in the event that you become disabled for a longer period of time. Additionally, our lawyers at the Hankey Law Office can help people in Indiana better understand such terminology, in addition to providing legal assistance in getting these benefits. Find out more by calling (800) 520-3633 today.

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