Contact Our Indiana Disability Lawyers
If you are currently suffering from a disability, then you may need financial support. However, many people in this position are denied disability insurance benefits in Indiana. If this applies to you, then our Indiana disability lawyers are here to help.
There are several types of disability insurance that may affect your particular situation. They include:
How We Help
Disability Insurance Claims
Group Disability Insurance
Simply put, group disability insurance is coverage provided by your employer if you become disabled and cannot work. For some employees, the amount of coverage provided by group disability insurance is enough to meet their needs.
However, if you have a long term disability, then you may require more robust coverage than what your employer is willing to offer. Under the Employee Retirement Income Security Act (ERISA), you have two options for challenging this decision. First, you must file an appeal or request a review of the denial decision. If this is unsuccessful, then you can bring a lawsuit to recover your benefits.
Individual Disability Insurance
In short, individual disability insurance is coverage designed to replace lost income if you are disabled and cannot work due to an injury or illness. A significant percentage of Americans over the age of 65 have long-term disabilities. Thus, having individual disability insurance can come in handy.
However, an insurance company may choose to deny you benefits after filing a claim. Indiana law does not have a specific set of rules that govern disability insurance bad faith cases. The state relies on case precedent to offer guidance on seeking justice against an insurance carrier.
To learn more about the disability laws in Indiana, review the information provided by the state’s Disability Determination Bureau. You can also contact our Indiana disability attorneys for more information.
The Disability Insurance Claim Process
When you are living with a debilitating injury or illness, you may file a claim to seek the benefits you need. Here are the steps involved in the disability insurance claim process in Indiana:
Filing Your Initial Claim
The first step in the process involves filing an initial claim. However, there are key differences between filing a claim with group disability and individual disability insurance. A disability insurance lawyer in Indiana can inform you of any important distinctions.
Insurance Company Investigation
After filing, the insurance company will conduct an investigation and assess your claim. They might have you submit to a medical examination before reaching a decision. Many insurance companies are looking for reasons to deny you benefits. Having an attorney present can keep you from having your rights violated.
The Appeals Process
If your disability claim is denied or you are not satisfied with your disability decision, then you can file an appeal. However, there are key differences between the appeals process for group disability and individual disability insurance. A disability insurance attorney can assist you with appeals for both types of claims.
Filing a Lawsuit
After the appeals process is complete, you are eligible to file a lawsuit to recover your benefits. A disability insurance lawyer in Indiana can help you create a sound legal argument.
VA Disability in Indiana
The state of Indiana provides veterans with several benefits. This includes disability benefits for injured veterans that are unable to work. Unfortunately, there are situations where well-deserving veterans are denied disability benefits. In these situations, it is important to have access to resources that can help you fight back.
Disabled veterans should take advantage of the appropriate resources. The Veterans Benefits Administration provides you with a list of regional offices located in each state, along with additional facilities. In Indiana, the regional office is in Indianapolis.
Our Indiana disability lawyers can provide you with additional resources to help you throughout the appeals process.
How to Win VA Disability Benefits in Indiana
There are several things you must prove in order for your claim to be successful. First, you must have a current physical injury or disease. Second, the disability must limit your ability to work or prevent you from working entirely. Finally, the injury that caused your disability must have happened while you were serving in the military.
Filing a VA Disability Claim
To receive disability compensation benefits for veterans, you must begin by filing a claim. You can do this by applying online at eBenefits. You can also go to your local regional office and turn in your application for processing.
Appealing a VA Disability Claim Denial
If you are looking to appeal a VA disability claim denial, then you must complete a Notice of Disagreement (NOD) form. When filling out this form, you should include as much information as possible about why your case should have been approved. Our Indiana disability attorneys can help you complete this paperwork. We can also assist you throughout the rest of the appeals process.
Cities We Serve
We represent individuals looking to receive disability benefits across Indiana. The cities we serve include:
- Fort Wayne
- South Bend
Contact Our Indiana Disability Lawyers
At Tucker Law Group, our Indiana disability attorneys strive to be a voice for those who cannot advocate for themselves. If you are pursuing disability benefits in Indiana, then contact us today at (866) 233-5044 for a free consultation.