Long-Term Disability Lawyer Serving Darien, CT
You may need to file a long-term disability (LTD) claim when you develop a debilitating medical condition that prevents you from working. Such benefits can help protect a percentage of your income.
When your income is protected by LTD benefits you can focus more of your time on managing your condition. However, obtaining these benefits is not always easy. Moreover, you may face a denial of benefits and need to submit an appeal. Luckily, this is not something you must do on your own.
A long-term disability lawyer serving Darien, Connecticut from Chisholm Chisholm & Kilpatrick can help you file your claim. We are prepared to help you at any stage of the claim and appeal process. You can 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 Darien was 2.9 percent. Some claimants may decide to handle their long-term disability claims on their own. While this is possible, it may not be the best decision. Often, this process is complex and confusing. It is easy to make a mistake, especially if you do not understand the contents of your policy or what your insurer is looking for. A mistake in your claim or appeal could lead to a denial of benefits.
Therefore, consulting a long-term disability lawyer to help with your claim is beneficial. CCK’s team of legal professionals understands the complexities of LTD claims and can help you obtain your benefits. Our attorneys have over 30 years of collective experience handling such claims and know what to expect. We can help you avoid mistakes and submit the right documentation and evidence.
Moreover, we have extensive experience with ERISA, which governs group policies. There are specific deadlines by which you must file, along with a myriad of other regulations. We will ensure a fair review by the insurance company of your claim by handling these matters for you.
CCK Can Gather the Best Evidence to Prove Your Long-Term Disability Claim
Medical records are often your primary source of evidence. These records, however, are not always sufficient. Some claimants may need to submit supplemental evidence to reinforce their claim. CCK utilizes a variety of such evidence. We can determine the best evidence to gather, collect the evidence for you, and submit it to the insurance company on your behalf. Supplemental evidence can include:
- Specialized reports from your treating physician: Medical records do not always tell the whole story. Obtaining a specialized report from your doctor can bolster your claim. Your doctor can highlight certain aspects of your condition and how it prevents you from working. It is important to maintain an open dialogue with them throughout your treatment so that they may accurately describe your situation.
- Witness statements from personal acquaintances: Other people often see how your condition affects you. For example, your friends and family have likely seen how your condition affects you at home, and your coworkers have seen how your condition affects you in the workplace. Official witness statements from these personal acquaintances can illustrate how far-reaching your condition is.
- Additional evaluations by outside experts: CCK works with several outside experts who can provide additional, objective evidence for your claim or appeal. These experts can provide functional capacity tests, neuropsychological assessments, and vocational evaluations.
We Can Lessen the Burden of Dealing with the Insurance Company
Insurance companies should handle every case neutrally. However, this is not always the reality. Often, they make a complicated process more complicated. For example, it is common for insurers to repeatedly ask claimants for more information. They may also employ surveillance tactics to find “inconsistencies” in the claim or appeal. This all adds stress to an already overwhelming experience.
Chisholm Chisholm & Kilpatrick understands this stress and wants to alleviate it as best we can. Therefore, our team can act as a point of contact between you and your insurer. In other words, if the insurance company wants to contact you, they must first go through us. Moreover, this will help free your time to focus on your health.
CCK knows how insurance companies operate. They often prioritize their bottom line rather than the needs of their clients. This results in many denials. We can track all deadlines; review all documentation; handle all correspondence; and handle all aspects of your claim or appeal. A long-term disability insurance attorney is an important asset to have if you want the insurance company to be held accountable.
Call Today for a Free Consultation
If you are suffering from a debilitating condition that is preventing you from working, then you must consider filing for long-term disability benefits. These benefits can protect your income when you cannot work. The process of obtaining these benefits can be difficult, but CCK is prepared to help.
A long-term disability lawyer serving Darien, CT from Chisholm Chisholm & Kilpatrick is ready to help you wherever you are in the process. Call us today at 800-544-9144 for a free consultation. We will evaluate your case and see if we can assist.
Darien Blog Posts
- Why ERISA Was Enacted And How It Should Benefit You Today
The Employee Retirement Income Security Act of 1974, or ERISA, was enacted to protect employer-provided pensions and retirement funds against abuse or mismanagement by employers. ERISA also applies to health and welfare benefit plans and employer-sponsored group plans, unless the employer is a church or government organization. Why Was ERISA Enacted? In the decades leading […]
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- Long-Term Disability Waiting Period: What to Expect
If you become unable to work and file a Long-Term Disability (LTD) claim, the insurance company does not immediately start paying benefits. In order to qualify for Long-Term Disability (LTD) benefits, you typically must meet the definition of disability for 90 – 180 days before the insurance company will begin paying benefits. This is typically […]