Long-Term Disability Lawyer Serving Mendham Township, NJ
You may have a long-term disability (LTD) insurance policy through your employer or directly with an insurance company. When you develop a medical condition that renders you unable to work for an extended period, then you must consider filing for these benefits. A long-term disability lawyer serving Mendham Township, NJ from CCK is ready to help you obtain these benefits from your insurer.
Long-term disability insurance benefits can protect a percentage of your pre-disability earnings. This percentage is usually between 60 and 80 percent. However, filing for and receiving these all-important benefits can be frustrating and difficult. Call us today at 800-544-9144 for a free case evaluation with a member of our team to see if we can help you.
Consulting a Long-Term Disability Lawyer is Beneficial for Your Claim
Between 2017 and 2021, the disability rate in Mendham Township, New Jersey was two percent. In general, individuals may need to file for LTD benefits if they develop a debilitating condition.
The process through which you receive these benefits is not always straightforward. There is a lot of paperwork and evidence that you must submit to prove that you require disability benefits. It is easy to make a mistake when handling such claims on your own.
The long-term disability lawyers at Chisholm Chisholm & Kilpatrick have over 30 years of combined experience helping clients receive the benefits to which they are entitled. We can help you at any stage of the process, including the initial claim. For example, we can help you with your claim forms and track all deadlines to ensure the insurance company receives everything on time because missing a deadline could cost you your benefits.
Moreover, if you have an employer-provided LTD policy, then ERISA — a strict federal law — likely governs it. ERISA has its own strict regulations and deadlines. Our ERISA attorneys will ensure that your claim (and/or appeal) complies with this law to ensure a fair review by the insurance company. Additionally, if supplemental evidence is necessary to prove your claim, we can collect and submit it on your behalf.
CCK Can Collect and Submit Evidence That Reinforces Your Mendham Township Long-Term Disability Claim
Every long-term disability policy contains a definition of disability. This definition outlines the criteria you must meet to receive benefits. Evidence is necessary to prove to your insurer that your medical condition or injury meets your policy’s specific definition.
Medical records are often claimants’ primary source of evidence, but some claims require supplemental proof. CCK can determine, collect, and submit such evidence on your behalf. We utilize several forms of evidence, including:
- Specialized reports from treating physicians: Your doctor has unique insights into how your condition impairs you. Medical records often do not tell the whole story, and such a report can strengthen your claim, especially if you suffer from conditions such as chronic back pain, fibromyalgia, or depression.
- Witness statements from family, friends, and co-workers: Others often see how your condition impacts your daily living. Friends and family see how your condition impairs you at home, and co-workers see how your condition prevents you from working. Obtaining official witness statements from these individuals can reinforce your LTD claim by showing how your condition (e.g., insomnia) disrupts your life.
- Additional medical and vocational evaluations from outside experts: Some claims require additional medical and/or vocational evaluations. Insurance companies require objective evidence, and CCK works with outside experts who can provide your claim with such proof.
CCK Can Help Alleviate the Stress of Dealing with the Insurance Company
Insurance companies deny many claims. Often, these companies prioritize their financial needs. It is stressful to deal with insurance companies because they want to find a reason to issue a denial. If you live in Mendham Township, NJ, then a long-term disability attorney from CCK can help alleviate this stress.
Our team has extensive experience going up against insurance companies, such as Unum, Guardian, and MetLife. As such, we know what they look for in a successful claim, and we know the tactics they use to find faults with claims. For example, insurers often surveil claimants and monitor their social media platforms. Moreover, such companies often incessantly request more information from claimants. CCK can act as a point of contact between you and your insurer to help lessen such requests so you can focus on your health.
If you received a denial of your LTD claim, then you have the right to file an appeal with your insurer. The administrative appeal, especially under ERISA, is a critical time. Our team can analyze your denial letter, request and review your claim file, collect and submit any evidence (if necessary), and submit a comprehensive appeal on your behalf. Further, if litigation is necessary, CCK has the experience needed to help you file your lawsuit for benefits.
Call CCK Today for a Free Case Evaluation
Obtaining long-term disability benefits in Mendham Township can be difficult, but CCK can help. Our team understands these difficulties and can help shoulder this burden and fight on your behalf for the benefits to which you are entitled under the terms of your policy.
Call CCK today at 800-544-9144 for a free case evaluation with a member of our team. We will analyze your case and see if we can assist you.
Mendham Township Blog Posts
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7 Common Long-Term Disability Claim MistakesThe long-term disability (LTD) claim process is complex, and simple mistakes can be detrimental when filing a claim for LTD benefits. Insurance companies do not want to approve claims if they can help it, so a simple mistake can be enough for them to issue a denial. In this article, we will discuss seven of […]
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Understanding Which Benefit Plans Are Subject To ERISABenefits a person receives through their employer are often called “group benefits.” In other words, you do not buy these benefits privately on your own. ERISA is a federal law that governs most employer-sponsored group benefit plans and sets the minimum standards of protection for plan participants. If you have a group plan through your […]
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Is Long-Term Disability Taxable?Navigating Long-term disability (LTD) insurance can be confusing and adding tax considerations on top of that can be stressful. Long-term disability provides financial benefits to you if you are unable to work for a long period of time due to disability. But are the benefits you receive taxable? In short, long-term disability benefits can be […]