Indiana Long-Term Disability Lawyers
Long-term disability insurance policies provide benefits that are designed to relieve the financial burden you may face when health conditions prevent you from working for a long period of time, usually after short-term disability benefits run out after three to six months.
Unfortunately, many well supported claims are denied. The majority of long-term disability denials are governed by ERISA. ERISA law is complex, and the insurance companies have legal teams experienced in this area of law. It is critical that a denied claimant have their own qualified attorney by their side in fighting back.
Insurance companies will often seem helpful, telling unsuspecting claimants, or implying to them, that they do not need their own attorney and that the claimant can handle the appeal on their own. Vague instructions, confusing appeal forms, and misleading information only lead to insufficient information and documentation being submitted, and the appeal ultimately being denied.
Our attorneys have successfully represented clients, both during the administrative appeal process and in litigation in State and Federal court, against the following insurance companies:
- Guardian Life
- Hartford Insurance
- Liberty Mutual
- Mutual of Omaha
The above list represents only a portion of the insurance companies we have successfully represented clients against. The attorneys at Hankey Law Office?are trusted members of communities across Indiana. With over 75 years of combined experience, our team has the legal knowledge you want on your side. We are dedicated to our clients, and dedicated to ensuring that you receive the compensation you deserve. As our motto states, we offer experience, compassion, and justice. This means that we do not see you only as a client, but also as our neighbor. We are ready to do everything in our power to protect your rights.
If you are dealing with the denial of your long-term disability benefits and do not know where to turn, our attorneys are ready to help. Our consultations are always free and confidential. Do not sign anything from the insurance company without speaking to one of our attorneys first. Contact us through online chat, email, or call (317) 634-8565 today!
What will a Long Term Disability Attorney do for me?
Obtaining your 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. One mistake during the application or appeal process could slow down or even fully prevent your insurance provider from approving your benefits. You should not have to worry about this additional stress when you are also working to manage your health conditions. These are some of the ways our long-term disability attorneys can help you:
- Communicate with the insurance company on your behalf.
- Evaluate your claim and give advice on how to strengthen your case.
- Order your medical records and timely submit them to the insurance company.
- Review your medical records and give you advice on how to strengthen your case.
- Obtain statements and opinion forms from your medical professionals.
- Obtain a report from a Vocational Expert.
- Advocate your position with the insurance company and file your appeal timely.
- If necessary, file a lawsuit in State or Federal court.
Many insurance companies try to find any reason to deny claims. It saves insurance companies millions of dollars at the expense of deserving individuals. Insurance companies will often draft policies that are complex and confusing. We have an in-depth understanding of ERISA and disability laws and are prepared to work with you to ensure that you receive the money you deserve. We will also communicate with the insurance company and advocate on your behalf during this difficult time, allowing you to focus on your health.
Why Should I Choose Hankey Law Office?
The lawyers at Hankey Law Office have dedicated significant time and practice to work with ERISA law, disability law, and litigation. 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. We are dedicated to our clients, work hard to keep and earn our clients’ trust, and are dedicated to ensuring our clients receive the benefits they deserve.
We are here to help you in every step of your long-term disability claim process, from appeals to 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.
“I really think my attorney, Ms. Marks, did a great job on my case… I know if I had to go through it again I’d gladly give Hankey Law a call.” – Thomas E.
“Kept in the loop about my case… [They] worked hard to get the best result.” – Angela W.
“Very pleased overall. Very professional group.” – Rhonda J.
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 6-12 months. 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: ERISA is the federal Employee Retirement Income Security Act, which sets a minimum standard for voluntary health and pension plans. This complex law governs the majority of short and long-term disability claims.
- 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.
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.
Why Should You Have Long-Term Disability Benefits?
Long-term disability insurance policies provide benefits that are designed to relieve the financial burden you may face when health conditions prevent you from working for a long period of time, usually after short-term disability benefits run out after three to six months. Here are some of the biggest reasons why we recommend you have a short and long term disability insurance policy
- If you are injured while working, your workers compensation claim could become the subject of a legal battle between you and the employer or their insurance company. During this time, short and long-term disability benefits can provide you with financial stability.
- Your short and long-term disability benefits will cover lost income, whereas other types of coverage may not.
- Being approved for Social Security Disability benefits can be a lengthy process. Your short and long-term disability benefits can provide you with financial stability while you are going through this process.
- The Social Security Administration has found that 25% of 20 year olds will become disabled before they reach retirement age. Becoming disabled before retirement age is more common than most believe.
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 policy 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 approved. Typically, the most important types of information you will need to collect include:
- Background information about your home-life, work, criminal record, 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
- Medical records for all appointments you’ve had with medical professionals 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, it is common that people 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, only 32.06% of people who applied for disability benefits were approved in 2016, leaving thousands without 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 approximately 126,000 people with a documented disability, which accounts for almost 14% of the county’s population.
- According to the Indiana Family and Social Services Administration, in 2017 alone, there were almost 4,000 new disability waivers approved by the state.
If you or a loved one is applying for long-term disability benefits, or those benefits have been denied, you deserve to have someone in your corner! The attorneys at Hankey Law Office can help protect your rights. Hankey Law Office will provide you with a free confidential consultation to help you determine the next best step for you. Do not hesitate to contact our office by email, online chat, or by calling (317) 634-8565 today!