Importance of the initial long term disability insurance claim

Workers who are covered by long-term disability insurance programs sponsored by their employers in Indiana should understand that it is very important to provide any and all evidence to support the diagnosis of their disability.

Group long-term disability (LTD) insurance providers, generally governed by the Employee Retirement Income Security Act (ERISA) of 1974, are often very critical when looking for errors in claims that may allow them to deny benefits to individuals. Workers should understand that once the court decides to deny benefits, it will be very difficult to overturn such a decision in an appeal if there are significant error in documents provided by the claimant. In some situations, LTD applicants may file for an internal appeal before escalating their case to the federal court.

The attorneys of the Hankey Law Office in Indiana work on behalf of individuals who are seeking long-term disability benefits for serious injuries or illnesses. To consult with our legal team about creating the strongest possible application, call us today at (800) 520-3633.


Customizing your long term disability insurance policy

Workers should be aware that customized long term disability (LTD) insurance policies are available through many providers, and that they may have options when selecting certain “riders” to cover specific needs; however, when an individual uses a group plan through his or her employer, it is important to note that the employer generally has the power to pick and choose which riders employees will enjoy. Individual plans, on the other hand, allow workers to choose from a number of options, including:

  • Catastrophic disability
  • Child care benefit
  • Cost-of-Living Adjustment
  • Extended Earnings Protection
  • Dependent child continuing education benefits
  • Future increase option
  • Pension contribution
  • Non-cancelable and guaranteed renewable rider
  • Return of premium
  • Relocation expenses
  • Workplace modification

Unfortunately, many employers fail to take advantage of these benefits in order to save money. If you have been injured on the job, it may be in your best interest to retain a skilled disability attorney who can help you get the most out of your LTD provider. At the Hankey Law Office in Indiana, our legal team will use our vast understanding of LTD law to help you. Call us today at (800) 520-3633 to learn more.


Disabling complications of osteoporosis

People who depend on their physical strength to complete their everyday jobs may be eligible to for long-term disability insurance if they believe that they can no longer perform their jobs after their bones fail to regenerate and eventually become frail.

Older adults who work in construction sites, industrial sites, or even inside the office are at risk of suffering from hip or spine fractures caused by osteoporosis. In some serious situations, people with osteoporosis may suddenly become disabled. Workers, especially older women or those whose families have histories of osteoporosis, are advised to notify their doctors about it after suffering symptoms like back pain, abnormal posture, or any recurring back issues precipitated by a previous injury.

Workers who become disabled as a result of severe osteoporosis may often struggle to keep their jobs and provide for their families; that’s why it is essential for disabled workers to ensure they are covered with long-term disability insurance. At the Hankey Law Office, our legal team has a strong understanding of the detailed and complex legalities associated with Social Security Disability, and we can answer any questions you may have regarding your coverage. Call us today at (800) 520-3633.


Understanding the “elimination period” in long term disability plans

Disabled workers who have decided to file for their long term disability (LTD) benefits should understand that they have to wait for a certain period of time before they start getting their benefits.

Applicants will almost always have to deal with an “elimination period” between the time the disability begins and the time at which patients will be eligible for benefits. During this waiting period, disabled workers may not be able to receive any payments; depending on the LTD plan, this period may last anywhere from three to six months. Applicants are often forced to use up all of their sick days in order to keep income from jobs during the wait period, as short-term benefits do not often last the entire duration of the elimination period.

Unfortunately, many disabled workers are significantly inconvenienced, to say the least, by these lengthy elimination periods. If you are struggling to gain access to the disability funds you need, contact an Indiana attorney at the Hankey Law Office today by calling (800) 520-3633.


Importance of getting a lawyer when appealing an LTD claim

Though it is a frustrating experience when a person’s long term disability insurance (LTD) claim has been denied, applicants should not lose hope. The next step after this denial is to file an appeal in order to have your claim re-evaluated for approval.

As a disabled person appealing the decision regarding your LTD benefits, it is crucial that you enlist the help of a skilled lawyer who knows the ins and outs of  Social Security law. Because an applicant will have a limited number of appeals, it will be essential for you to get your application just right. A qualified lawyer will be able to help you strengthen your claim to benefits by organizing and presenting the information properly.

The lawyers of the Hankey Law Office work with people in Indiana who have been denied their much-deserved long term disability insurance benefits. If this sounds like your situation, we may be able to help you deal with the complex appeals process. To discuss your case with one of our attorney and learn more about your legal options, call us today at (800) 520-3633.


Common reasons for LTD benefits termination

Individuals who are receiving long term disability benefits (LTD) should be aware that their monthly payments can be cancelled by insurance providers under certain circumstances. Below are the possible reasons for LTD benefit termination:

  • Policies have limited LTD benefits for mental and other chronic illnesses
  • Beneficiaries who secure word may lose eligibility for LTD
  • Failure to undergo appropriate treatment to recover from the disability
  • Failure to apply for SSDI benefits
  • Varying disability definition after certain coverage periods
  • Disabilities do not inhibit the beneficiary’s ability to perform daily tasks
  • LTD beneficiaries will lose benefits when they reach retirement age or pass on

Since insurance policies vary, it is important for LTD beneficiaries to read every detail of their policy to avoid having their benefits terminated.

Sadly, many long term disability recipients experience financial problems when their benefits are suddenly terminated. Our attorneys at the Hanky Law Office work to represent clients who are having difficulty dealing with the Social Security disabilities offices in order to receive benefits. For more information on what we do, call our Indiana office at (800) 520-3633 today.


Complications of a herniated disk

Some people who engage in strenuous physical activities in the course of performing their everyday jobs are at risk of suffering from herniated or “slipped” disks that may lead to chronic pain or long term disabilities.

Herniated disks usually occur when one of the soft cushioning spinal disks in the backbone migrate or are forced out of place, resulting in extreme back, arm, or leg pain caused by nerve irritation. Very common complications of herniated disks, such as pain or numbness in the legs or arms, may prevent people from going about their daily routines and completing tasks required in their daily jobs, especially those working in any field where physical labor is a necessity.

The lawyers at the Hankey Law Office understand that many Indiana workers struggle to support their families after suffering from the disabling complications of a herniated disk. Fortunately, long-term disability programs are available to help you and your family manage financially. To learn about your rights and options regarding disability applications and claims, call our office today at (800) 520-3633.


Back problems that may qualify you for long-term disability benefits

Individuals with back pain that prevents them from being able to continue working may be eligible for long-term disability (LTD) benefits. Since many claims involving back pain are denied by insurance companies, citing a lack of evidence that supports the alleged levels of pain, it’s important to understand how to qualify for benefits. The following are some of the back problems that often qualify individuals for LTD benefits:

  • Herniated disc
  • Degenerative disc disease (DDD)
  • Osteoporosis
  • Any kinds of inflammations in the back like sacroiliitis, arachnoiditis, and ankylosing spondylitis.
  • Spinal stenosis

Regardless of your condition, you must provide adequate documentation that proves that your back problem is so debilitating that you would be unable to maintain employment.

Due to how often back problem claims for long-term disability benefits are denied, it is important to consult with an attorney throughout the filing process. An Indiana attorney with the Hankey Law Office may be able to help you file for these critical benefits. Call our office today at (800) 520-3633.


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.


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