Bartolic Law has worked with multiple clients battling Lung Cancer invoke various benefits under their group insurance policies, such as long-term disability benefits, catastrophic disability benefits, and accelerated life insurance benefits.
In one case, our client’s long-term disability insurance benefits stopped because the insurer asserted after the client’s treatment cycle completed, the client should have recovered. We demonstrated to the insurer that the stage of the cancer required a level of treatment that saved the client’s life, but left permanent limitations from which the client would not recover. In another case, our client sought to obtain accelerated life insurance due to the Lung Cancer. We had to demonstrate that the client’s life expectancy was less than one year. This allowed the client to live the remainder of life with financial comfort, despite ultimately outliving the life expectancy.
Lung cancer is one of the most common cancer forms affecting millions of Americans. Estimates show that it is the third-most common cancer and the leading cause of cancer-related deaths in the USA. Mostly, it affects American males, with African-American men being more vulnerable to it than their white counterparts. This cancer occurs when lung cells multiply abnormally, causing tumor growth. Consequently, it reduces a patient’s breathing ability and often spreads to other body parts. Anyone can get this cancer, although smokers are at the highest risk, with 90 percent of cases resulting from smoking. The Centers for Disease Control and Prevention (CDC) say that smokers’ risk is higher by 15 to 30 times. Thus, it’s wise to quit smoking to lower your risk of getting this cancer.
Secondary smokers are also at increased risk, with 7,300 secondary smokers dying in the United States each year. The cancer’s leading initial symptoms include the following: a persistent cough, coughing blood, chest pain that increases during deep breathing, laughing, or coughing, a hoarse voice, wheezing, constant bodily fatigue, lack of appetite and weight loss. Treatment for this cancer varies depending on factors like its type, location, and phase. A patient’s personal preference and general health also determine treatment. These treatments include radiation, surgery, and chemotherapy. Its disabling complications include reduced concentration power, confusion, and restlessness, and many people cannot work following a diagnosis and during treatment.
Speaking with a disability insurance benefits attorney from Bartolic Law about your lung cancer-related disability can help you lodge a successful claim. Contact our office today for a free case evaluation session.
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