Long-Term Disability Lawyer Serving Brookfield, CT
When you suffer from a medical condition or injury that prevents you from working, you must consider filing for long-term disability (LTD) benefits. These benefits are often provided by your employer, but you may also buy them yourself. In any case, they are meant to protect your income when you cannot work due to a disability. However, obtaining these benefits can be difficult.
Filing for LTD benefits, appealing a denial of benefits, or going to litigation to win your benefits is not something you must do alone. A long-term lawyer serving Brookfield, Connecticut from Chisholm Chisholm & Kilpatrick is ready to help you at any stage of the process. Call us today at 800-544-9144 for a free consultation.
Contacting a Long-Term Disability Lawyer Is Beneficial for Your Claim
The disability rate between 2016 and 2020 in Brookfield, CT was 7.1 percent. As such, it is possible you may have a disability that requires long-term disability benefits. Some claimants may decide to handle these claims on their own, but they do not have to. Instead, contacting a long-term disability lawyer is advantageous to avoid making simple mistakes.
A long-term disability insurance attorney has the experience necessary to handle your case. The legal team at CCK has over three decades of experience dealing with LTD claims and appeals. We know how the process works and how best to serve our clients. We have successfully litigated against all the big insurance companies, and we work to ensure our clients can begin focusing on their health, not worrying about obtaining their benefits.
Moreover, if you have a group policy, we can help you navigate ERISA. ERISA is a federal law that governs group policies and has its own strict deadlines and regulations of which you should be aware. We can track these deadlines and ensure your claim or appeal is compliant with ERISA.
CCK Gathers the Best Evidence to Bolster Your LTD Claim
You must prove your condition meets your policy’s definition of disability to receive an approval. To prove your claim, you must submit evidence. Medical records are ordinarily your primary source of evidence. Some claimants may have to submit supplemental evidence to bolster their claim. CCK can gather this evidence for you and submit it on your behalf. Supplemental evidence can include:
- Specialized reports from your treating physician: Your doctor has special insights into your condition. If you maintain open communication with your treating physicians, they can illustrate how debilitating your condition is within a specialized report.
- Witness statements from family, friends, and coworkers: Often, others see how your condition affects you. Obtaining official witness statements from these people who see you daily can strengthen your claim by showing how far-reaching your condition is. Family and friends can vouch for how your condition affects you at home, and coworkers can attest to how your condition affects you in the workplace.
- Additional evaluations from outside experts: Sometimes you need additional evaluations to demonstrate your disability. CCK works with several outside experts who can provide this third-party evidence for your claim. Outside experts can provide functional capacity tests, neuropsychological assessments, and vocational evaluations.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Dealing with the insurance company during the long-term disability process is not always easy. Often, they repeatedly ask for more information, deny claims, and surveil claimants to find “inconsistencies.” When you cannot work due to a medical condition or injury, it is overwhelming. Insurers can add stress to this already stressful situation.
Chisholm Chisholm & Kilpatrick understands this. Our LTD team knows how insurance companies operate. Such companies often prioritize their financial needs, which can result in a denial of claims. We work to ensure that your insurer gives your claim a fair review. We will hold them accountable.
Moreover, CCK wants to alleviate the stress of dealing with the insurance company. We can act as a point of contact between you and them. In other words, all communication will pass through us, first. This frees up your time so that you may focus on your health. We can also submit all evidence and documentation to them on your behalf and on time. Additionally, in some situations, we may be able to continue representing you after you receive benefits as insurers typically continue to ask for more information.
Call CCK Today for a Free Consultation
If you are suffering from a condition that is preventing you from working, then you must consider filing for long-term disability benefits. LTD benefits may be necessary to help protect your income so that you may manage your condition and get better. Regardless of where in the process you are, CCK is prepared to help.
We have experience at any stage of the process, from filing initial claims to litigating in court. A long-term disability lawyer from CCK serving Brookfield, Connecticut has the experience to fight for your benefits. Call us today at 800-544-9144 for a free consultation. We are happy to evaluate your case and see if we can assist you.
Brookfield Blog Posts
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Do I Have to Pay Back My Long-Term Disability?Developing a disability can be stressful for you and your family. Fortunately, many employers offer long-term disability (LTD) benefits to their employees. This insurance — which you can also buy privately from an insurance company — can protect a percentage of your pre-disability earnings when you are unable to work due to an illness or […]
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What To Do if Your Long-Term Disability Claim Is DeniedIt is frustrating when you develop a debilitating condition that prevents you from working. As a result, you must file for long-term disability benefits. But what do you do when you receive a denial of your initial claim from your insurance company? While many claimants file their LTD claims and appeals by themselves, it is […]
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The Value of Vocational Evidence in Long-Term Disability ClaimsWhen filing for long-term disability (LTD) benefits, the burden of proof is upon the claimant. Thus, it is the responsibility of the LTD claimant to submit evidence that proves that their condition meets the definition of disability within their policy. Many claimants focus on the medical evidence they must supply, but the value of vocational […]