People afflicted with degenerative disc disease entitled to LTD benefits

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.

Types of debilitating back injuries

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.

Tuberculosis and long-term disability benefits

Families often find themselves struggling with a great financial loss when their loved ones are infected by tuberculosis (TB). However, workers in Indiana should know they may be able to obtain their long-term disability (LTD) benefits if TB prevented them from earning an income.

When bacteria starts to accumulate inside the lungs, individuals may experience symptoms that can prevent them from doing their jobs. Symptoms such as persistent coughing that does not subside, sudden weight loss, chest pains, fever, fatigue, loss of appetite, and coughing up blood are common when TB is active. People who have active TB can cause infection to the people around them. In some situations, TB may be latent, especially when it does not have any symptoms. Though several medications are available for people with TB, in some cases the bacteria may become so strong that medications are no longer effective.

If you believe you can no longer continue working due to the debilitating symptoms of tuberculosis, working with a skilled attorney is critical, especially if you are applying for LTD benefits. Speak with a Hankey Law Office attorney in Indiana today by calling (800) 520-3633 to find out how we may work on your behalf.

Disabling complications of heart disease

Heart diseases are often serious issues that leave patients permanently disabled or in critical condition, depending on the severity of the condition. Workers may be eligible to obtain their long-term disability (LTD) insurance if they suffer from any of the following complications linked to heart disease.

  • Heart attack: a condition when a blood clot causes damage in some muscles of the heart.
  • Heart failure: when the heart can no longer function to circulate blood needed by the body.
  • Ischemic stroke: brain tissue dies as a result of insufficient blood reaching the brain due to clogged arteries.
  • Atherosclerosis: the condition that causes leg pain due to insufficient blood reaching the lower limbs.
  • Aneurysm: the artery wall bulges and can cause fatal internal bleeding.
  • Sudden loss of heart function or “cardiac arrest,” which can lead to death.

Workers who have any kind of heart disease should be able to obtain their LTD benefits so they can sustain treatments that may include surgery procedures, depending on the severity of the disease. If you are in such a situation in Indiana, an attorney at the Hankey Law Office may be able to offer you legal assistance in filing for or appealing your LTD benefits. Find out how we could help you obtain your needed benefits today by calling (800) 520-3633.

Disabling symptoms of emphysema

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.

The truth about long-term disability insurance (LTD)

Long-term disability insurance policies are designed to provide financial assistance to policyholders who can no longer continue earning an income as the result of a debilitating illness or injury. Though no two policies are the same, individuals who have LTD may want to take note of the following:

  • Taxes are deducted from LTD policies that are provided by employers. Personally purchased LTD policies are not taxed.
  • LTD coverage provided by employers is often limited compared to policies purchased personally.
  • Many LTD policies have a two-year coverage limit.
  • LTD policies provided by employers are non-transferable, meaning if a policyholder gets a new job then he or she is no longer covered by LTD benefits of the previous employer.

The attorneys at the Hankey Law Office in Indiana represent individuals afflicted with long-term disabilities. If you are in such a situation, we may be able to offer you legal assistance to help you obtain the benefits you need for recovery. Call our office today at (800) 520-3633 to learn more about your legal options.

Long term disability benefits entitled to individuals who have Huntington’s disease

Workers who are covered by long-term disability (LTD) insurance may be entitled to get their benefits if they have started to suffer from its debilitating symptoms that eventually prevent them from earning a living. Individuals who have a disease like Huntington’s Disease may no longer be able to provide for the financial needs of their family because disabling symptoms usually manifest between the age of 30 and 40.

The disease happens when the nerve cells in the brain start to deteriorate and individuals who have it may suffer from the following disabling symptoms that could prevent them from doing any kind of jobs.

  • Loss of coordination
  • Speaking problems
  • Uncontrollable muscle spasms
  • Abnormal behavioral changes
  • Dementia

Though Huntington’s disease has no cure, there are various medications that are available to possibly manage its symptoms. In some situations, individuals may be required to undergo therapy sessions to possibly improve their mental and physical capabilities.

Sadly the disabling symptoms of Huntington’s disease are difficult to prove when filing for long term disability benefits. However, if you are in such situation in Indiana, an attorney of the Hankey Law Office may represent you. Find out how we may help you strengthen your LTD claims today by calling (800) 520-3633.

Tips for filing for an LTD claim

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.

The expensive cost of treating bronchiectasis

Workers in Indiana may find themselves devastated after they are diagnosed with bronchiectasis. Since the medical condition has no cure, the situation is made especially bad if you have family members that heavily depend on you and your income.

Individuals may suffer from a long-term disability when the bronchial tubes in their lungs become enlarged and damaged. The common result of this affliction is numerous breathing problems due to infection. To live normally, individuals who have bronchiectasis are given costly treatments to lessen the risk of infection. Patients are prescribed with antibiotics and bronchodilators to suppress bacteria and to open up air passages. Other medications are also prescribed for patients to release mucus and to control chronic coughing. In more severe cases, patients may need to undergo surgery if bleeding occurs inside the lungs. In some situations, patients are also required to undergo therapy or a daily procedure to extract mucus.

If you become disabled by bronchiectasis, an attorney can help you pursue long-term disability insurance benefits. Find out how Hankey Law Office in Indiana may help you today by calling (800) 520-3633.

The advantage of purchasing an LTD insurance plan

Long-term disability (LTD) insurance plans are designed to provide financial assistance to individuals who can no longer do their jobs in order to make a living after sustaining debilitating injuries or illnesses. While LTD plans are oftentimes provided by employers, individuals might want to consider purchasing their own LTD policy.

Workers who have LTD coverage are protected and a percentage of their income is given to them. Unfortunately, not all LTD policies provided by employers are the same and some can be insufficient depending on the severity of one’s disability. While purchasing an LTD policy can be expensive for some, workers who buy a separate plan may receive higher payments upon reimbursement.

Workers who are covered by their employers’ LTD should know that the benefits they will receive are taxable, unlike LTD policies that are purchased from an insurance agent. Whether provided by employers or purchased separately, workers should consider getting an LTD policy. As the U.S. Census Bureau noted, roughly one of every five workers suffers from a long-term disability.

Unfortunately, there are times when LTD providers wrongfully deny or delay the benefits needed by disabled workers who have LTD coverage. If you are experiencing difficulty applying for benefits in Indiana, a lawyer of the Hankey Law Office may advocate for you. Call our office today at (800) 520-3633 to learn more about your options.

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