Coal miners often suffer from long-term disabilities when they develop pneumoconiosis, which occurs when they accidentally inhale tiny particles of coal, graphite, or man-made carbon while at the mining site. Coal miners in Indiana who have pneumoconiosis, also known as black lung disease, should consider applying for disability benefits so they can afford medication and help support their families. Miners may be eligible for benefits if they have any of these complications:
- Caplan Syndrome or pneumoconiosis with rheumatoid arthritis
- Chronic Bronchitis
- Progressive massive fibrosis
- Chronic obstructive pulmonary illness
- Respiratory failure
- Cor pulmonale
Although some cases of pneumoconiosis can be treated by taking breathable medications, there are also some cases that require a patient undergo a lung transplant. If you or a loved one contracted a respiratory illness in Indiana, an attorney at the Hankey Law Office may be able to help you file your long-term disability claim. Discuss your situation with us today by calling (800) 520-3633 to learn more about your options.
Individuals who are suffering from anxiety disorders may be entitled to long-term disability (LTD) benefits in Indiana if the disorder persists such that they can no longer do a job to earn a living. According to the Anxiety and Depression Association of America, roughly 40 million adults are affected by the disorder.
Some forms of anxiety are considered normal. However, individuals may no longer be able to perform their job tasks if they have one of the following conditions:
- Social phobia: Fear of interacting with other people
- Generalized anxiety disorder: Excessive, persistent, and often unrealistic worrying
- Post-traumatic stress disorder (PTSD): Stress triggered by flashbacks of a traumatic event from the past
- Panic disorder: Chronic panic attacks that often trigger abnormal heartbeat, breathing problems, and excessive sweating
- Obsessive-compulsive disorder (OCD): Unrealistic fears or thoughts that often result in uncontrollable habits
Anxiety disorder is difficult to prove when filing for long-term disability benefits. However, if you can no longer work due to your disability, hiring an attorney for your case can help you strengthen your claim. Find out how an attorney at the Hankey Law Office in Indiana may be able to work for you. Call us at (800) 520-3633 to learn more about your options.
Families of construction workers often struggle to earn an income after their loved ones sustain debilitating injuries while doing their jobs. Since more than 500,000 workers in the U.S. suffer injuries on construction sites every year, workers who are left permanently disabled should be entitled to their long-term disability insurance benefits.
One of the most common causes of long-term disability in construction sites is the “slip and fall” accident. Workers are at high risk of sustaining serious hip fractures and head injuries from slipping and falling. Workers may also suffer injuries if they are accidentally electrocuted in the workplace. Less often, gas explosions and equipment malfunctions may result in injuries. As construction jobs often require physical activity, workers may become permanently disabled if they suffer serious back injuries or repetitive strain injuries.
Workers who become permanently disabled should understand that filing for long-term disability benefits can be a frustrating process. If you are applying for benefits in Indiana, an attorney at the Hankey Law Office may be able to work for you. Learn more about your options today by calling (800) 520-3633.
Cancer patients should note that they are not automatically eligible to receive long-term disability (LTD) benefits given their condition. To become eligible for these benefits, cancer patients must prove that they can no longer perform their job to earn an income.
Regardless of the cancer stage, individuals applying for benefits should be aware that their claims will undergo rigorous review. It is important for cancer patients to get a copy of their claim file from their LTD plan provider. The LTD claim should include all pertinent medical records that support their disability. Medical exam results from x-rays, ultrasounds, bone scans, MRI’s, and biopsies are some of the evidence cancer patients need to include in their file. Cancer patients may want to consider obtaining statements from co-workers, supervisors, relatives and friends to prove that their daily living has been impacted by their severe condition.
Cancer patients who are filing for LTD benefits in Indiana may want to enlist the help of an attorney at the Hankey Law Office to ensure there is strong evidence to support their claim. Call us today at (800) 520-3633 to find out how we may work for you.
Individuals may be eligible for long-term disability benefits if they develop chronic renal diseases. One of the disabling diseases a person may develop is renal hypertension, which occurs if the arteries of either of the kidneys are narrowed.
Individuals who are diagnosed with renal hypertension are usually required to take medications such as ACE inhibitors or angiotensin II receptor blockers (ARBs). In some situations, patients may need to undergo an angioplasty procedure if their condition is not improved by medications. An angioplasty is a procedure that requires a patient to have a catheter threaded into his or her groin’s large artery in order to aid blood flow. At some point, the patient’s renal artery can be expanded through the use of stents. If those procedures fail to improve blood flow, the patient may need to undergo a surgical procedure of attaching a healthy blood vessel to bypass a narrowed renal artery.
In the difficult situation that you are taking medication or undergoing a surgical procedure after being disabled by renal hypertension, enlisting a qualified attorney is important. Especially if you heavily rely on your long-term disability benefits, speak with an attorney at the Hankey Law Office at (800) 520-3633 to learn more about your options.
Over $500,000 worth of back benefits was recently awarded by a federal judge to a former Eli Lilly and Co. employee in Indianapolis whose long-term disability (LTD) benefits were wrongfully denied, an article of the Indianapolis Business Journal reported on May 9.
Reports revealed former HR executive director Cathleen Kennedy quit her post in 2008 after developing a disabling medical condition. Though Cathleen’s company paid for her disability benefits for three years, her benefits in 2012 were stopped after her case was reviewed. Cathleen, who has severe chronic fibromyalgia, experiences pervasive fatigue performing the stressful expectations of a HR executive director, her doctors claimed. Cathleen’s initial appeal was rejected after her former employer was able to prove that she could still work, however, a federal judge consider her second appeal after claiming Lilly terminated her benefits by using a “bogus medical examiner.”
The lawyers of the Hankey Law Office fight for individuals in Indiana who had their long-term disability benefits wrongfully terminated. If you have found yourself in a similar situation as Kennedy, working with an experienced lawyer can be an essential asset when challenging large corporations and we may persistently appeal your case to possibly restore your much-deserved disability benefits. Learn more about your options today by calling (800) 520-3633.
Oftentimes people are at a loss and devastated when learning they can no longer work due to a disabling medical condition. The situation can be worse if the person who became disabled has a family to support. However, individuals should understand that they can help the situation by remaining as calm as possible when contacting their long-term disability (LTD) provider in Indiana.
Though it may seem difficult, people should organize their thoughts first before contacting their LTD provider. Insurance companies might not understand a person who is shouting or giving disorganized information regarding their condition. It is easier to recount the events that led to a person’s long-term disability when one remains calm and maintains an authoritative voice.
Fortunately, there are skilled lawyers who provide legal assistance to disabled individuals who are applying or appealing for their long-term disability benefits. If you think you are in a related situation in Indiana, a lawyer at the Hankey Law Office may work for you. Call our office today at (800) 520-3633 to find out how we may possibly help you get your much needed benefits.
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.
Individuals may find it hard to sustain the financial needs of their family if they are prevented from doing their jobs after developing peripheral artery disease (PAD). However, workers who are covered by long-term disability insurance (LTD) may be entitled to benefits that can help them through tough financial times.
Individuals affected by PAD may find it difficult to complete even simple task like walking. This is because PAD causes restricted blood and oxygen flow to the lower limbs. A person with PAD may experience severe pain from the hip down to the calf muscles when walking. When the arteries are narrowed due to plaque buildup, a person with PAD is at risk of other serious complications as well. Parts of the person’s body affected by PAD may need to be amputated in some serious cases. Stroke and other cardiovascular diseases may also occur in relation to PAD.
If you have suffered an injury or illness that prevents you from working, a lawyer of the Hankey Law Office in Indiana may be able to help you file for your long-term disability benefits. Learn more about the services we offer today by calling (800) 520-3633.
Indiana workers may be entitled to long term disability benefits (LTD) if they can no longer continue doing their job due to the disabling symptoms of leukemia. Leukemia is a type of cancer which causes bone marrow to produce defective white blood cells in the body.
While symptoms of leukemia may differ depending on the type a person has, below are the usual symptoms of the cancer:
- Chronic weakness, fatigue, and fever
- Episodes of bleeding, including chronic nose bleeding
- Unexpected weight loss
- Pain or swelling of the bones
- Enlargement of the lymph nodes, spleen, or liver
- Profuse sweating at night
- Serious infections
The above leukemia symptoms may result in financial loss if workers can no longer continue performing work-related duties and require complex treatment. The lawyers of the Hankey Law Office in Indiana know just how important it is for workers who have been diagnosed with leukemia to get their disability benefits in order to pay for expensive treatments. Call our office today at (800) 520-3633 to learn more.
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