If the impairments attributable to your lung most cancers and its remedy imply you’re not in a position to work, chances are you’ll have to file a long-term incapacity (LTD) advantages declare to assist pay your payments.
What Is Lung Most cancers?
Most cancers is a illness attributable to the expansion of irregular cells inside the physique. The irregular cells multiply uncontrolled, changing regular, wholesome cells.
Lung most cancers is most cancers that impacts the lungs. It’s the primary reason for most cancers deaths within the U.S. There are two major varieties of lung most cancers: small cell lung most cancers and non-small cell lung most cancers. Of the 2, non-small cell lung most cancers is the most typical. Lung most cancers can start within the lungs or unfold to the lungs from another a part of the physique.
A number of the causes of lung most cancers embrace::
- Smoking (The main reason for lung most cancers)
- Second-hand smoke
- Publicity to poisonous chemical compounds and carcinogens equivalent to asbestos
- Air air pollution
- Radiation remedy
Most individuals with lung most cancers don’t expertise signs till the most cancers is superior. Signs of lung most cancers can embrace:
- Coughing that will get worse or doesn’t go away
- Chest ache
- Coughing up blood
- Shortness of breath
- Weight reduction with no recognized trigger
- Continual fatigue
Getting Lengthy-Time period Incapacity Advantages for Lung Most cancers Isn’t At all times Simple
Many individuals buy group long-term incapacity (LTD) insurance policy by way of their employer to supply supplemental revenue within the occasion they develop a illness like lung most cancers and develop into too in poor health to work. Nevertheless, with a purpose to obtain the advantages you deserve, you’ll have to point out that the impairments attributable to your lung most cancers forestall you from performing any work of any form.
Sadly, insurance coverage corporations are infamous for using all kinds of ways to delay and deny a declare. Insurance coverage suppliers typically repeatedly request further data, demand that you simply see “their” physician, or unreasonably delay their evaluation of your declare. They use these ways to discourage policyholders from looking for the advantages they’ve paid for.
If an insurance coverage firm has denied your declare for LTD advantages for lung most cancers, ERISA and different federal and state legal guidelines provide the proper to attraction this resolution. In some instances, hiring a incapacity lawyer often is the solely option to get the overall advantages you’re owed in a well timed method.
Get the LTD Advantages You Deserve
In case your declare for LTD advantages has been denied, don’t hand over. The legislation offers you the best to attraction an insurance coverage firm’s denial of incapacity advantages — however you solely have a restricted time through which to take motion.
Marc Whitehead & Associates is a legislation agency devoted to making sure our purchasers get the incapacity advantages they deserve. Marc Whitehead is a extremely skilled incapacity lawyer who has helped purchasers everywhere in the U.S. get hold of the incapacity advantages they deserve even after an insurance coverage firm denied their preliminary claims. We’ve prevailed towards a number of the nation’s largest personal insurance coverage corporations, together with Cigna, United Healthcare, State Farm, and others.
If you must file an LTD advantages declare for lung most cancers, or your LTD advantages declare was denied, contact the legislation workplaces of Marc Whitehead & Affiliate by way of our web site, or name us at 800-562-9830 to debate your case. We can reply any authorized questions you could have and supply frank, skilled recommendation on one of the best ways to proceed together with your incapacity declare.