Can you lose your health insurance coverage when you change jobs?

When individuals change jobs, there are certain laws in place to protect their health insurance coverage for a certain period of time. One such law is the Health Insurance Portability and Accountability Act.

HIPAA protects the health insurance coverage for workers and their families when the workers change or lose jobs. This means that they can retain their health insurance coverage for a certain period of time until they get another job or join another plan.

If you or anyone you know has questions about a HIPAA claim, contact the Indiana HIPAA lawyers of Hankey Law Office, at (800) 520-3633.


Claimant awarded long-term disability benefits

A chemical operator was awarded long-term disability benefits in a lawsuit against The Hartford insurance company. The claimant was granted short-term disability benefits in 2003, but after the Social Security Administration determined he was unfit to return to work in any occupation, The Hartford refused to pay long-term disability benefits. The chemical operator filed suit, which ruled in his favor and ordered The Hartford to pay the long-term disability benefits owed to the claimant.

If you suffer from pain or disability that prevent you from working, you may be entitled to long-term disability benefits under your health insurance plan. However, sometimes an insurance company will fail to pay out a claim that is rightfully owed.

For sound legal advice and assistance on how we can help you recover the disability compensation that you deserve, contact the Indiana long-term disability lawyers at the Hankey Law Office, today by calling (800) 520-3633.


What is the difference between short-term and long-term disability coverage?

Disability insurance plans are typically broken up into two types, short-term disability and long-term disability coverage. While both generally cover the loss of wages or other income due to injury or illness, the time period of their coverage varies.

Short-term disability coverage varies from policy to policy, but it typically lasts between six months and two years. Under most coverage plans, long-term disability coverage begins when short-term disability coverage ends. The long-term coverage will usually last for a certain number of years or until retirement age.

If you or anyone you know has not received payments for your long-term disability coverage, contact the Indiana long-term disability coverage attorneys of Hankey Law Office, at (800) 520-3633.


Treasury Department announces paperless payments goal

This Monday the Treasury Department announced that they would be switching from a paper-based system to a direct deposit system for federal benefit payments by 2013. The number of paper checks mailed by the Department of Veteran’s Affairs, the Social Security Administration, and other organizations that pay benefits will be reduced by over 135 million.

The Treasury Department also noted that they will no longer be purchasing paper savings bonds through payroll sales.

The government has attempted to set up a direct deposit system in the past but has always failed due to the lack of a debit card program for beneficiaries without bank accounts. The government will be establishing the Direct Express Debit MasterCard program to accommodate these enrollees, said Assistant Treasury Secretary Richard L. Gregg.

Officials estimate that around $400 million will be saved in the first five years of paperless payments.

If you or someone you love is not receiving the benefits that they should, or you want to discuss the legal ramifications of how you will receive your payments once the system becomes paperless, contact the Indiana long-term disability lawyers of the Hankey Law Office, at (800) 520-3633.


How long does long-term diability coverage last?

When individuals sign up for long-term disability coverage plans, they should be aware of how long the coverage will last. The length of coverage often varies from one year to the age of retirement and beyond.

The length of coverage is often detailed in the paperwork provided by the insurance company. Because these details are often voluminous, many individuals seek the assistance of an attorney for understanding the paperwork.

If you or anyone you know has questions about a long-term disability claim, contact the Indiana long-term disability lawyers of the Hankey Law Office, at (800) 520-3633.


Healthcare overhaul contains provision for long term care

The health care overhaul law signed by President Obama last month contains a provision that could help people care for those suffering from long term disabilities. The law establishes a program called the Community Living Assistance Services and Supports Act (CLASS Act), which would provide cash to eligible enrollees who suffer from disabilities that limit them in at least two daily activities such as eating, bathing, or dressing.

Opponents of the Act believe that it will be financially untenable and that too few Americans will sign up for benefits. Senior manager of health policy at the U.S. Chamber of Commerce James Gelfand doubts that participation will be adequate because only about 5 percent of eligible employees actually participate in their employers’ private long-term care insurance benefit programs.

Around 7 million Americans own private long-term care policies.

Long term disability laws are complex and changing all the time at both the state and federal level. If you need legal advice in this area, contact the Indiana long-term disability attorneys of the Law Office of Charles D. Hankey at (800) 520-3633.


Cancer Patient Fights for Change in LTD Legislation

A woman with terminal cancer, who has waited months for her long term disability benefits, will finally take delivery of her first check on May 19.

The process of being approved for long-term disability benefits can take years. Once someone is approved, there is a built-in lag time that is meant to “ensure that we do not pay benefits to people who do not have a long-term disability,” said Kia Green, a spokeswoman for the Social Security Administration.

Ten months ago 47 year-old Heather Russell was diagnosed with stage IV cancer. Doctors found tumors spreading through her lungs, brain, pelvis, neck, and adrenal gland. Russell and her family are fighting to have the built in lag time law overturned. United States Senators Jeanne Shaheen, D-New Hampshire, and Susan Collins, R-Maine, are cosponsoring legislation, known as S. 700 “to eliminate the waiting period for individuals with life-threatening conditions” covered by social security.

If you or someone you love suffers from a long-term disability and you aren’t getting the money you deserve, the Indiana long-term disability attorneys of the Law Office of Charles D. Hankey may be able to help. Contact us today by calling (800) 520-3633.


$57M Agreement Reached in Nortel LTD Lawsuit

Two groups representing former Nortel Networks employees say their members will have their long-term disability benefits extended after a ruling in Ontario Superior Court Wednesday.

The $57 million agreement reached Monday, preserves benefits for the former employees until the end of 2010. Extending the long-term disability, health, and pension benefits for over 20,000 employees who have been laid off and not yet received severance and employees on long-term disability.

The original Nortel pension plan was set to expire Wednesday and cut off the employees benefits. The two groups, Nortel Retirees and former Employees Protection Canada and Canadian Nortel Employees on Long Term Disability, said that the court has approved the new agreement, but has not yet officially announced the ruling.

If you or someone you love suffers from a long-term disability and you aren’t getting the money you deserve, the Indiana long-term disability attorneys of the Law Office of Charles D. Hankey may be able to help. Contact us today by calling (800) 520-3633.


March is Disability Awareness Month in Indiana

March is Disability Awareness Month in Indiana, a time when the importance of recognizing the challenges and triumphs of people living with disabilities is paramount. If you or someone you love has been injured and is living with a long-term disability, the Law Office of Charles D. Hankey may be able to help you get the money you deserve.

Disability Awareness Month is designed to raise awareness of the realities of long-term disability and the people who live with it. Interest groups hope to make people more familiar with the challenges faced by people who suffer from disabilities, including employment discrimination.

If you or someone you love suffers from a long-term disability and you aren’t getting the money you deserve, the Indiana long-term disability attorneys of the Law Office of Charles D. Hankey may be able to help. Contact us today by calling (800) 520-3633.


ERISA Lawsuit Filed Against WI Construction Company

A construction company in Wisconsin is the target of a federal lawsuit alleging ERISA violations that resulted in $4 million of plan losses for employees.

President and CEO of Westra Construction Inc. in Waupun, Wisconsin, is named in the suit along with a trustee of the company’s ESOP. The lawsuit was filed by the Department of Labor in United States District Court in Milwaukee. Westra is accused doctoring financial reports and ordering the plan to buy 40,000 shares of non-voting convertible preferred Westra company stock for $4 million.

Two years following the $4 million purchase, Westra ceased operations, making the stock worthless.

The Labor Department lawsuit is seeking to restore the employee stock ownership plan.

Assistant Secretary of Labor of the Employee Benefits Security Administration, Phyllis C. Borzi said Westra “diverted retirement assets to subsidize corporate activities, thereby jeopardizing the future retirement income of their workers…”

If you or someone you love has been injured and is not receiving the long-term disability that he or she deserves, please contact an Indiana long term disability lawyer of the Hankey Law Office by calling (800) 520-3633.


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