Right time to apply for long term disability insurance

Workers in Indiana who develop a disabling health condition should consider filing for their long term disability (LTD) insurance benefits while they are employed.

Claiming LTD benefits while still working may reduce your chance of being denied deserved benefits. Usually, LTD providers may argue that workers’ benefits are discontinued after resignation. Since disability benefits are computed based on salary, workers may want to file a claim during a time when their income is high. Filing for an LTD claim during employment also prevents workers from having to sign severance packages that unknowingly may sometimes compromise their long term disability benefits in the future.

If you are a worker who has decided to file for your long term disability benefits in Indiana, a lawyer at the Hankey Law Office may work on your behalf. Find out how we may help you get the benefits you need to sustain your disability by calling (800) 520-3633.


Possible causes of quadriplegia

Workers who develop quadriplegia, or “tetraplegia”, may be entitled to long-term disability insurance in this difficult situation, when they can no longer utilize any or all of their limbs due to paralysis. Below are the possible causes of quadriplegia:

  • Injury to the spinal cord
  • Certain kinds of strokes
  • Cerebral palsy

Workers who develop quadriplegia as a result of an accident that took place in the workplace are possibly entitled to the maximum payment from their long-term disability insurance provider until retirement if they are unable to work for the rest of their lives.

The legal team of the Hankey Law Office in Indiana represents workers who develop quadriplegia in their workplace. If you are in such situation, we may possibly work on your behalf, especially if you believe that your insurance provider is not reimbursing your deserved benefits to sustain your disability. Learn more about your legal options from us today by calling (800) 520-3633.


How are professional fees settled for LTD attorneys?

Deciding to work with a long term disability insurance (LTD) lawyer can be very beneficial if you believe that you are wrongfully denied your deserved benefits. However, many people may wonder about a lawyer’s professional rate.

In Indiana, many lawyers with experience handling LTD cases charge their clients after winning the case. Often called a “contingency fee”, lawyers may negotiate a certain percentage from the lump-sum that their client will get. Some lawyers understand that many of their clients are unable to pay their hourly-rate during the consultation process. Disabled applicants should not be embarrassed to negotiate lawyer’s fees, especially if you believe that you have a strong evidence of your disability.

The Indiana legal team at the Hankey Law Office offers free consultation to disabled individuals applying or appealing for their long term disability benefits. We strongly believe that disabled people are entitled to their benefits to sustain their living. Get in touch with us today by calling (800) 520-3633 to find out how we may work on your behalf.