Long-Term Disability Lawyer Serving Millburn, NJ

When you develop a medical condition or suffer a catastrophic injury that prevents you from working, you must consider filing for long-term disability (LTD) benefits.  These benefits can protect your pre-disability income when you are unable to perform the duties of your occupation.  You do not have to file for these benefits on your own in Millburn, NJ—a long-term disability lawyer from CCK can help.

One expects these benefits to be there when one needs them, but insurance companies often deny these claims.  Thus, handling these claims on your own is a challenge.  Call CCK today at 800-544-9144 for a free case evaluation.

A Long-Term Disability Lawyer is Beneficial for Your Claim

Filing for long-term disability benefits is a lengthy process.  Some claimants may try and handle their claims on their own.  However, this is not always the best decision.

When you handle a claim on your own you are more apt to commit common mistakes.  These mistakes, even if minor, can be detrimental to a claim.  Thus, contacting an experienced long-term disability lawyer is beneficial for your claim.

The disability rate in Millburn, NJ was 1.9 percent.  If you, too, developed a medical condition that necessitates filing for such benefits, CCK can help you with your claim.  Our LTD attorneys have over 30 years of combined experience.  We have helped countless professionals receive the benefits they needed.

CCK can help you understand your LTD policy, which is often hard to understand.  In addition, we can help determine and collect the right evidence to submit with your claim.

Moreover, if you have a group long-term disability plan that is subject to ERISA, we will ensure that your claim is compliant with this federal law.  ERISA brings its own strict deadlines and regulations to which your claim must adhere if you want a fair review from the insurance company.

CCK Can Collect and Submit Supplemental Evidence on Your Behalf

Your long-term disability policy contains a definition of disability.  You must prove to your insurer that your condition meets this definition to receive benefits.  To do this, you must submit evidence that demonstrates how your condition disables you.  Most claimants rely on their medical records as evidence, but some claims require supplemental evidence to strengthen their argument.  CCK utilizes various forms of supplemental evidence to reinforce your claim.  This evidence can include:

• Specialized reports from your treating physicians: Your doctors have unique insights into how your condition affects you. They can write a specialized report detailing key aspects of your condition that medical records often do not explain.  Thus, maintaining an open dialogue with your doctor during treatment is vital.
• Witness statements from family, friends, and coworkers: Others often see how your condition debilitates you on a day-to-day basis. Obtaining official witness statements from them can help corroborate other evidence that you submit with your claim.  Family and friends can explain how your condition affects you at home.  Coworkers can explain how your condition prevents you from working at your job.
• Additional evaluations from outside experts: CCK works with several outside experts. These experts can provide your claim with objective evidence.  Insurance companies prefer such evidence over subjective evidence.  These experts can conduct functional capacity, neuropsychological, and vocational evaluations.

CCK can determine the best evidence to submit with your claim, and we can collect and submit this evidence to your insurer on your behalf.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every claim neutrally.  Yet this is not always the reality.  Many claimants receive denials of their initial claim, and this can be both disheartening and overwhelming.  Unfortunately, insurance companies often prioritize their financial needs.  However, you have the right to appeal this decision.

A long-term disability lawyer serving Millburn, NJ from Chisholm Chisholm & Kilpatrick can help you with your appeal.  We believe that you should not have to worry about dealing with the insurance company and instead should be focusing on your health.  Therefore, we can act as a point of contact between you and your insurer.  In other words, all correspondence must pass through us first.

Moreover, we can request your claim file from the insurance company and thoroughly review it.  We can review your denial letter and begin formulating a strong counterargument for why their decision was wrong and why you require LTD benefits.  If necessary, we can collect new evidence to submit with your appeal.  CCK has the expertise necessary to litigate in court when necessary.

Call Chisholm Chisholm & Kilpatrick Today for a Free Case Evaluation

Regardless of where in the long-term disability process you are, CCK can help.  We are well-versed in ERISA, and we can handle all aspects of your claim.  In some cases, we may be able to continue representation even after approval to ensure that you retain your benefits.

Call CCK today at 800-544-9144 for a free case evaluation.  A member of our team will analyze your case and determine if we can assist you.