Long-Term Disability Lawyer Serving Connecticut
A medical condition can prevent a person from working. To protect their income, they may consider filing for long-term disability (LTD) benefits. The LTD claim process, however, can be difficult. Insurance companies are not easy to work with and can make the process overwhelming.
Filing an initial LTD claim, or appealing a denial of benefits, is not something claimants must do alone. A long-term disability lawyer serving Connecticut from Chisholm Chisholm & Kilpatrick is ready to assist you. Call us today at 800-544-9144 for a free consultation with a member of our team and see how we may be able to help you.
Contacting a Lawyer is Beneficial for Your Connecticut LTD Claim
Many people in the State of Connecticut suffer from a disability. According to the U.S. Census Bureau, the disability rate in Connecticut was 7.6 percent between 2016 and 2020. Additionally, according to the CDC, the average disability healthcare cost in 2017 was $21,927 per person. When you have a condition that prevents you from working, this amount is significant.
Long-term disability benefits can protect your income and allow you to focus on managing your health. However, receiving an approval of your LTD claim is not always easy. Long-term disability policies are hard to understand, especially those concerning rare medical conditions like Huntington’s disease. Many include limitations and exclusions that can confuse claimants.
A long-term disability lawyer serving Connecticut from Chisholm Chisholm & Kilpatrick can thoroughly review your policy. We will review your long-term disability insurance policy, determine your specific definition of disability, and ascertain the best evidence to collect to submit with your claim.
ERISA law governs group policies, which employers provide as part of employee benefits packages. This federal law is complex and adds further strict deadlines and rules to which claimants must adhere. For example, under ERISA, the appeal stage is the last time a claimant may submit new or updated evidence. CCK will track all deadlines and ensure that the insurance company receives all requested items on time.
CCK Utilizes Supplemental Evidence to Bolster Your LTD Claim
Medical records are the primary source of evidence for most claimants. However, claimants often need supplemental evidence to demonstrate their need for benefits. CCK utilizes various forms of supplemental evidence to help bolster LTD claims. Such supplemental evidence can include:
- Specialized reports from treating physicians: Medical records do not always tell the entire story of your condition. Your physician can provide a specialized report that highlights certain aspects of your condition and shows how debilitating it is. It is important to maintain open communication with your doctors so that they may fully and accurately describe your condition.
- Witness statements: Your family and friends can provide official witness statements that illustrate how your condition affects you at home. If you are diagnosed with a condition like osteoarthritis, witness statements can help attest to the physical limitations you suffer. Moreover, your coworkers can provide witness statements that show how your condition affects you in the workplace.
- Opinions from outside experts: If you suffer from a debilitating medical condition, like cancer, medical experts can provide objective evidence to bolster your claim, such as functional capacity and neurophysiological evaluations. Further, vocational experts can provide vocational evaluations to reinforce your claim. CCK works with various outside experts that provide this supplemental evidence.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim neutrally, but this is not always the reality. Often, they prioritize their financial needs over the health needs of their clients. This results in many claim denials. Further, insurers constantly request information that can add stress to an already stressful process.
The long-term disability attorneys serving Connecticut from CCK understand this and will act as a point of contact between you and your insurer. This ensures you never have to directly deal with them.
Our LTD attorneys have over three decades of collective experience dealing with insurance companies, such as Prudential, MetLife, Humana, and others. We know how they operate and will make sure they handle your claim fairly.
Whether you live in Hartford, New Haven, Glastonbury, or any other town or city in Connecticut, our team is ready to assist you. We will track all deadlines, collect the best evidence, and handle all correspondence with your insurer. In short, we can help you throughout the entire long-term disability claim and appeal process.
Additionally, Chisholm Chisholm & Kilpatrick can continue to represent you even after you receive an approval. We want to ensure that you retain your benefits and can continue to act as a point of contact should your insurer request further information.
Contact CCK Today for a Free Consultation
When you have a debilitating health condition that prevents you from working, you must consider filing for long-term disability benefits. Regardless of whether you are filing an initial claim or appealing a denial of benefits, our team is prepared to assist you.
You can call us today at 800-544-9144 for a free consultation concerning your claim and see how we may be able to help you.
Connecticut Blog Posts
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Health Insurance While on Long-Term DisabilityDealing with a long-term disability claim is stressful enough without also worrying about your health insurance coverage. If you have a group long-term disability policy and health insurance through your employer, it may be cause for concern. In this article, we hope to answer some of the questions you may have regarding your health insurance […]
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Will Severance Affect My Long-Term Disability Benefits?Long-Term Disability (LTD) benefits can protect a person’s income when they are unable to work due to a debilitating medical condition. Often, an employer’s benefits package includes LTD coverage. Such policies are known as “group policies,” which are governed by the federal law known as ERISA. These benefits are necessary for many people, but what […]
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Own Occupation vs. Any Occupation Long-Term Disability Insurance PoliciesYour long-term disability (LTD) insurance policy will specify what definition of disability you need to meet in order to receive benefits. Many definitions of disability contain language specifying what occupation(s) you must be disabled from in order to meet the definition of disability. LTD policies commonly refer to these definitions as own occupation and any […]