Avoiding deception from LTD insurance companies

Though the U.S. government provides benefits to workers who develop disabling health conditions, it is often a good decision to consider getting Long-Term Disability insurance (LTD). However, workers should keep the following in mind when getting LTD to avoid being deceived:

  • Make a thorough investigation of the insurance provider or talk to someone who is familiar with the company.
  • Make sure that you clearly understand all the benefits you are going to receive from the insurance company.
  • Do not hesitate to ask important questions, like what percentage of your salary will you get and for how long will you receive such benefits.
  • Study the written policy thoroughly and try to understand everything written, especially in the policy’s fine print.

Having a clear understanding of your insurance policy is important for you to make sure that you will be financially protected in the unfortunate event that you develop a disabling injury or illness. Fortunately, the Indiana lawyers at the Hankey Law Office are ready to work for you if you suspect that you are being denied your rightful benefits. Find out what our experienced team can do to help you by calling us today at (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.


Disabling symptoms of hand-arm vibration syndrome

Workers who use certain equipment in their everyday occupations may be at risk of suffering from the disabling symptoms of HAVS, or hand-arm vibration syndrome.

When workers develop HAVS, the nerves, blood circulation, and tissues in their hands and arms are damaged due to oxygen deprivation caused by excessive vibration of equipment during operation. Workers with HAVS experience numbness and painful tingling sensations in their hands and arms. Though the disorder normally subsides, skilled workers who seldom take breaks from using equipment like jackhammers, power lawnmowers, asphalt breakers, chainsaws, and needle guns may suffer from the disabling symptoms of HAVS.

The legal team at the Hankey Law Office understands that workers who can no longer work due to the disabling symptoms of HAVS should seek long term disability benefits for support and treatment. If you are experiencing this, we may help you in the filing process for the benefits you need. Call our office today at 800-520-3633 to learn more about your legal options.


Differentiating LTD insurance from Long term care insurance

Workers in Indiana should clearly understand that Long Term Disability Insurance is different from Long Term Care Insurance, and it is crucial that they thoroughly understand the difference between the two before deciding what policy to get.

Workers who are considering getting Long Term Disability Insurance should expect to receive benefits in the unfortunate event that they develop a serious medical condition or become too injured to do their job. Disabled workers may receive 60 percent of their income under this policy. Long Term Care Insurance, on the other hand, will not give a worker financial assistance in the event of an accident. This kind of policy may benefit workers who need prolonged care assistance, such as in assisted living or a nursing home.

If you are filing or appealing for your long term disability benefits in Indiana, a lawyer from the Hankey Law Office may assist you through every step of the process. Call us today at 800-520-3633 to find out how we may help you.


Disabling symptoms of obstructive uropathy

Individuals may find it hard to continue doing their jobs if they develop obstruction uropathy, or the urination problem that results from swollen kidneys.

Indiana workers who are diagnosed with obstructive uropathy may suffer from long term disability if their urine is not properly expelled from their body, thereby eventually damaging the kidneys. Workers who experience urination problems may be required to have some tubes connected to their ureter to help expel urine from the kidneys and are advised to undergo a surgery procedure to remove the blockage in the urinary system. Since obstructive uropathy can be caused by some cancers and other kidney disorders, individuals who develop such problems should long term disability benefits in a timely manner to sustain the medications they need to recover.

The lawyers of the Hankey Law Office in Indiana believe that workers should receive long term disability benefits in this difficult situation that they are suffering from obstructive uropathy. Find out how we may help you get your much needed benefits today by calling 800-520-3633.      


Supplemental documents needed to appeal LTD claim

If you have developed a serious illness as a worker in Indiana and your insurer is denying you release your long term disability insurance benefits, you may consider appealing in order to receive the funds you need. If you plan to appeal your claim, you may need the following documents:

  • Printed reports from doctors describing the severity of your illness
  • Written statements from your company or family members that describes your health condition
  • Specific information about your job and an explanation on how you are unable to do it due to your condition
  • Medical records that relate to your disabling condition

Appealing for your long term disability benefits could mean a huge difference for the livelihood of you and your family.

Though you will need supplemental documentation to appeal for your LTD benefits, working with a skilled lawyer is also worth considering to help you strengthen your claim. Find out how the Indiana lawyers of the Hankey Law Office may represent you today by calling 800-520-3633.


Typical coverage of long term disability insurance

When workers have been disabled by an injury or a debilitating medical condition and their short term disability coverage has ended, they may be eligible to receive long term disability (LTD) benefits.

Depending on the policy, employees who have an LTD insurance policy may be given payments of 50 up to 70 percent of their salary to assist them during a prolonged disability. In some LTD policies, employees are only insured for up to 10 years while other policies cover disabled workers until they reach the age of 65 years old. Workers who are applying for their LTD benefits should also understand that the payments given to them may vary depending on their medical condition.

In this tough situation that you are applying or appealing for your LTD benefits, working with a skilled attorney is crucial in order to construct the most thorough, accurate application possible. If you are in Indiana area, the lawyers of the Hankey Law Office may work for you. Call our office today at 800-520-3633 to find out how we may assist you in the application process.


Proper disposal of protected health information

In order to protect the health information privacy of policy holders, the Health Insurance Portability and Accountability Act (HIPAA) of 1996 requires “covered entities” to safely dispose of protected health information (PHI).

  • PHI records that are printed on paper should be properly destroyed through burning, shredding, pulverizing or pulping before disposal.
  • PHI records that are stored in digital media storage like hard drives should be completely eliminated through purging, media overwriting, or any other means to destroy hard drive disks.
  • Other traces of PHI records like those found in plastic bags and prescription bottles may be transferred to a legitimate disposal vendor for destruction.

The HIPAA prohibits covered entities from discarding PHI records by simply throwing them into garbage cans that could be accessed by other people.

The legal team of the Hankey Law Office understands that many Indiana policy holders are being denied their much needed benefits after their HIPAA rights have been violated. If you think that you have a HIPAA claim, immediately call our office today at 800-520-3633 to find out how we may work for you.


Consider a long-term disability insurance plan

Individuals who are considering long term disability insurance plans should examine the following factors before buying an insurance policy to make sure that all their needs will be fulfilled if they suffer from a prolonged injury or illnesses:

  • Your workplace or job nature is risky.
  • You have family members or any independents that rely solely to your income.
  • You still have unsettled debts, such as a car loan or monthly mortgage.

Individuals who have purchased LTD insurance policy are given a percentage of their lost salary during a prolonged injury or illness, which can be critical for those unable to work for a period of time.

Sadly, the Indiana legal team at the Hankey Law Office believes that many workers suffering from a long term disability who are covered by LTD insurance have been wrongfully denied their benefits. If you think you are in such a position, our lawyers may possibly help you file a claim against a bad faith insurance company. Call our office today at 800-520-3633 to learn more about your options.


Disabling symptoms of Myasthenia Gravis

Myasthenia Gravis is an incurable disorder that causes weakness to the muscles and disabling symptoms that may prevent people from continuing their daily jobs. Symptoms include:

  • Vision problems like diplopia or ptosis
  • Oral problems like distorted speech and eating problems
  • Minimal facial expressions
  • Muscles in the neck and limbs may also be affected, possibly resulting in a difficulty to perform basic physical activities like walking or lifting objects

People suffering from severe symptoms of Myasthenia Gravis may need to discontinue their jobs and undergo a series of therapies to improve their weakened muscles.

In this difficult situation that you are suffering from severe Myasthenia Gravis, you may be entitled to receive long-term disability insurance that will allow you to sustain your treatments and support your living expenses. Find out how the Indiana lawyers of the Hankey Law Office may possibly help you get your benefits today by calling 800-520-3633.


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