Indiana Long-Term Disability Lawyers
Long-term disability insurance policies provide benefits that are designed to protect you and relieve the financial burden you may face when an injury prevents you from working for a long period of time, usually after short-term disability benefits run out at three to six months.
There are many ways to both receive and define long-term disability, whether the disability has affected you for your entire life or was caused by a recent injury or illness. When it comes to long-term disabilities, it pays to have an attorney by your side, from the moment someone else’s negligence led to your long-term disability to the appeals you may make for supplemental income or insurance. Many new challenges come with a disability, many of which could be aided by the help of an Indianapolis long-term disability attorney from the Hankey Law Office.
Whether you are struggling in the aftermath of an incident that led to your long-term disability or you are lost in the application process for benefits, the long-term disability lawyers from the Hankey Law Office are here to help. We have the legal experience to work with you through the process of receiving a stable income or fighting for compensation from a negligent party. We strive to understand each of our clients’ specific needs and help you remain financially stable so that you can focus on your health and family.
The attorneys at Hankey Law Office are trusted members of communities across Indiana. With over 75 years of combined experience, our team has the knowledge necessary to help you receive a successful verdict. We are dedicated to our clients and to ensuring that you receive the compensation that you need. As our motto states, we offer experience, compassion, and justice, which means that we do not see you as only a client, but as our neighbor in the Indiana community; we are ready to do everything in our power to protect your rights.
If you or a loved one is facing long-term disability and do not know where to turn, our attorneys are ready to help. Through a free and confidential consultation with one of our attorneys, you can learn more about your rights and how to take action. Contact us through online chat, email, or call (317) 634-8565 today.
Do I Need a Long-Term Disability Lawyer?
Filing for long-term disability benefits is often a long and confusing process. However, these benefits can mean the difference between financial stability or ruin for you and your loved ones. Even one mistake during filing could slow down or even fully prevent your insurance provider from offering the money you deserve. You do not need to worry about this additional stress when you are also working to manage your pressing injury or illness.
Many insurance providers try to find any reason to deny claims, and they may do so even if your disability is valid. Although this is an illegal tactic, it saves insurance companies millions of dollars at the expense of deserving individuals. Companies will often draft policies that are complex and confusing, providing them with more ways to delay or deny your claim for long-term disability benefits. Long-term disability lawyers have seen every trick these companies try to use to cheat you out of your money, and we know how to stop them. Not only can our lawyers help you make the right decisions while you are filing your application, we will also work with your insurer and advocate on your behalf during this difficult time. We have an in-depth understanding of disability laws and are prepared to work with you to ensure that you receive the money you need when facing a long-term disability
Why Should I Choose Hankey Law Office?
While many lawyers make similar statements about their abilities, these claims are not always true. You need to work with an attorney you trust to get the job done. Fortunately, the lawyers at Hankey Law Office have dedicated significant time and practice to work with disability law. We pride ourselves in the knowledge this has given us, which allows us to better assist our clients and ensure that a disability does not derail your life.
The firm’s founder, Charles D. Hankey, has spent the majority of his career helping clients successfully receive disability benefits and has worked with over 10,000 disability trials. Through his work and the work of each of the associates at Hankey Law Office, individuals all across the state have been able to receive the compensation they deserve, and you could too.
The skilled long-term disability lawyers at Hankey Law Office are here to help you in every step of your long-term disability claim including:
- Long-term disability claims filing
- Long-term disability claims appeals
- Long-term disability repayment
- Long-term disability litigation
With over 75 years of combined experience, the attorneys at Hankey Law Office know what it takes to obtain a successful outcome for their clients. Our lawyers are dedicated to working diligently to get you the money that belongs to you, and by providing a free consultation, you have nothing to lose.
Types of Cases We Handle
When you are filing for long-term disability benefits, there are many different steps you must take and information that you must understand. It is essential to complete each part of your claim correctly, and our firm is prepared to work with you throughout this process. We have significant experience helping our clients with many of the common problems that arise with disability benefits, including:
- Long-Term Disability benefits: A long-term disability is typically one that lasts for more than one year. These benefits make up a percentage of your typical paycheck when you find that an injury or illness prevents you from working. You may receive benefits for time anywhere between six months and three years, and they may even be extended beyond this time if you are permanently unable to return to work. However, it is highly recommended that you speak with an attorney at Hankey Law Office as it can be difficult to receive these benefits in a timely manner.
- Short-Term Disability benefits: While this type of disability is one that is not expected to last longer than one year, these are also the benefits you will be eligible for when you first learn that you are unable to continue working. Although these last for only a short period, they can be essential for your financial well-being while you are working to understand the long-term effects of your injury or illness and waiting for Long-Term Disability benefits to begin.
- ERISA claims: Created to address problems with inadequate pensions for employees, ERISA is the federal Employee Retirement Income Security Act, which sets a minimum standard for voluntary health and pension plans. This act can help ensure that you receive the money you deserve from your employer when you are facing a short-term or long-term disability.
- Life insurance claims: Even if you do not have disability insurance, in some cases where you are facing serious illness or disability, your life insurance policy may be able to act as protection. However, there are only certain circumstances under which this may be possible where you have obtained an add-on known as a “disability rider,” available in two forms, so it is important that you fully understand your policy and your options.
- Government employee claims: the process for acquiring your disability benefits may differ if you are a government employee, particularly if you have disability insurance through your government employer. Additionally, the process may differ if you are a state government employee or a federal government employee. Nevertheless, it is important that you still receive the financial assistance that you need. The attorneys at Hankey Law Office understand that your status as a government employee can complicate your claims process. Our experienced attorneys will help you to understand the process while assisting in the filing of your claim or appeal.
Although these topics cover many of the cases we have worked with, this is not an exhaustive list of our abilities. If the specific circumstances of your case are not discussed in any of these descriptions, do not hesitate to contact our office for advice. We offer a free confidential consultation, during which we can help you choose the right steps to take.
- Disability insurance can help you financially where your worker’s compensation claim is the subject of a legal battle between you and the employer or the employer’s insurance company.
- Your long-term disability benefits will cover lost income, whereas other types of coverage, such as worker’s compensation, might not.
- The Social Security Administration has found that one in four 20-year-olds will become disabled before they reach retirement age, making disabilities before that age more common than believed.
What Information is Important for a Long-Term Disability Claim?
When you are planning to file for long-term disability benefits, you will be required to include several different forms of information. All of this information helps to demonstrate to your insurer that you have a valid disability that is covered under the terms of your contract. However, if you provide too little information or the wrong type of information, this may seriously delay your application or prevent it from being accepted entirely. Typically, the most important types of information you will need to collect include:
- Background information about your criminal record, home-life, work, etc.
- Indication that you are either partially or completely unable to perform your job
- Records of all tests performed by a medical professional related to your disability
- A letter from your treating physician that provides their confirmation of disability
- Information about your current income
Even if you provide all of this information, your insurance provider may still find a reason to deny your claim. If this is the case or you have other questions about your application, contact Hankey Law Office for a free evaluation of your claim.
Long-Term Disability Statistics
Across the United States, many people and their families are more prepared for the event of their death than if they were to become disabled. However, thousands of people become temporarily or permanently disabled each year.
- According to the Social Security Administration (SSA), only 32.06% of people who applied for disability benefits were approved applications were approved in 2016, leaving thousands who could not receive the financial support they needed. In Indiana, the number of people with a disability remains at roughly the same percentage as for the rest of the country.
- In Marion County, there are 126,071 people with a documented disability, which accounts for 13.8% of the county’s population.
- According to the Indiana Family and Social Services Administration in 2017 alone, there have already been 3,769 new disability waivers approved by the state. These numbers go to show the number of disabled individuals that need financial support across the state and make us wonder about the number who are not receiving the benefits they need.
Injuries are possible in every work situation, especially where employees are required to operate heavy machinery or engage in heavy lifting. The constant strain or repetitive motions on the job can result in long-term disabilities that may prevent you from receiving an income and cause medical bills and other costs to accumulate resulting in debilitating debt that affects the lives of you and your loved ones. Even office jobs that can cause long-term disabilities resulting from eye strain and arthritis are more common these days with the use of computers and other office machinery.
If you or a loved one is applying for long-term disability benefits, you need to ensure you get the appropriate benefits to support yourself. The attorneys at Hankey Law Office can help protect your rights and your finances, and they are ready to work with you. We are available today to discuss your eligibility and rights to long-term disability benefits. Hankey Law Office will provide you with a free confidential consultation so that we can help you to determine the next best step for you. Whether you are ready to file your claim or you are concerned about your insurer’s behavior, do not hesitate to contact our office by email, online chat, or by calling (317) 634-8565 today.