Long-Term Disability Lawyer in Indiana

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:

• Aetna
• Cigna
• Guardian Life
• Hartford Insurance
• Liberty Mutual
• Lincoln
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• MetLife
• Mutual of Omaha
• Prudential
• Reliance
• Standard
• UNUM

The above list represents only a portion of the insurance companies we have successfully represented clients against. The attorneys at Hankey Marks & Crider 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.

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.