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Long-Term Disability Lawyer Serving Stamford, CT

The process of filing a claim for long-term disability (LTD) benefits can be difficult and stressful.  If you develop a disabling health condition and find yourself in need of filing a claim or appealing a loss or denial of benefits, you may need help.  Luckily, the long-term disability process is not something you need to navigate alone.  Chisholm Chisholm & Kilpatrick attorneys serving Stamford, CT are available to help you through the long-term disability process and help fight for the benefits you deserve.  You can have a free consultation with one of our experienced professionals by calling 800-544-9144.

Reasons You Should Contact an Attorney for your Long-Term Disability Claim

Claimants are able to handle their long-term disability claims on their own, but there are benefits to having an attorney involved.  An attorney will examine your long-term disability policy and carefully assess the evidence you will need to gather to meet your policy’s definition of disability.

Insurance companies often act in bad faith, which means that they sometimes prioritize their own business over the needs of the insured.  CCK attorneys have experience working with insurance companies and understand how they may be uncooperative.  We will ensure that your claim is being handled properly and fairly.  Insurance companies can make their policies confusing or specific, but a long-term disability attorney can help you understand the terms you need to meet for your disability to qualify for benefits.  If you were diagnosed with a severe condition, like multiple sclerosis, we can help you prepare a claim that meets the insurance company’s requirements. Our lawyers will take over the claims process and help you fight for maximum benefits for multiple sclerosis.

The long-term disability process must abide by many laws and regulations, which can vary depending on your individual policy.  If your case is ERISA-governed, it is important to understand that additional evidence cannot be submitted in court.  This means that if you do not get your claim approved during the appeal stage, you will not have a chance to submit more evidence later.  Our lawyers will help you gather the strongest evidence for your claim so that you are approved for benefits the first time.

 CCK Attorneys will Fight for Your Long-Term Disability Benefits

You must meet your policy’s definition of disability in order to receive long-term disability benefits.  At Chisholm Chisholm & Kilpatrick, our attorneys assess your policy and other plan-governing documents to ensure your disability satisfies this definition.  In doing so, they determine the best forms of evidence that will prove your case.

Although medical records are often the primary source of evidence for a long-term disability claim, an attorney might determine that your case can be strengthened by additional forms of evidence.  These types of evidence include:

  • Reports from treating physicians: By writing their own report of your condition, your physician can emphasize certain symptoms that affect your daily life that may not be obvious by your medical records alone.  CCK will ask your providers questions that can strengthen any weak areas that may be subject to scrutiny by your insurance company. For example, if you were diagnosed with a genitourinary disorder, your physician’s report can detail how your symptoms affect the quality of your life. By working with your doctor, our team of lawyers can build a strong claim and help you fight to get benefits for genitourinary disorders.
  • Impact statements by family, friends, and coworker:. Impact statements strengthen your claim by providing intimate testimony of your disability.  People you interact with daily have likely witnessed how your medical condition affects your personal or professional life.  We obtain statements from these references to bolster your medical claims. If you were diagnosed with a severe medical condition, like lymphoma, the effects will ripple through multiple areas of your life. Statements from multiple sources can help you build a strong claim and potentially increase the chances of securing increased benefits for lymphoma.
  • Opinions and examinations from outside experts: These can enhance your claim by providing evidence that examines areas that your medical records may not fully capture.  Chisholm Chisholm & Kilpatrick works with experts in various fields who may be able to perform additional vocational assessments or cognitive evaluations that further prove your disability.  This type of additional evidence can benefit your claim. If you were diagnosed with a severe medical condition, like lymphoma, the effects will ripple through multiple areas of your life. Statements from multiple sources can help you build a strong claim and potentially increase the chances of securing increased benefits for lymphoma.

Chisholm Chisholm & Kilpatrick Want to Relieve You of the Stress of Filing for Long-Term Disability

Chisholm Chisholm & Kilpatrick is ready to handle your claim at any stage in the process.  We will handle the communication between you and your insurance company and procure important documentation from your medical providers.  We are equipped to handle the completion of claims forms and will manage all parts of the LTD process with care.  We know that every piece of evidence and documentation is important for your claim.

Whether you are filing your initial long-term disability claim or appealing a loss or denial of benefits, it is important to understand that meeting deadlines is essential.  A missed deadline can mean a denial of benefits, or loss of rights to benefits altogether.  Our legal team will keep track of those deadlines for you and make sure that all time-sensitive documentation is submitted before it is due. Many of our clients suffer from chronic pain, and exposure to additional stress further deteriorates their health condition. Keeping track of evidence and deadlines can be overwhelming while trying to care for your medical condition at the same time, and CCK is here to help so that you can focus on your health.

If your claim is approved and you begin receiving benefits, CCK will continue to handle communications and make sure that any new requests for documentation are provided.  We know that a disabling health condition is burdensome and want to keep the long-term disability process as stress-free as possible for you.

Effective Communication & Long-Term Disability

For a Free Consultation on Your Long-Term Disability Case, Call Chisholm Chisholm & Kilpatrick

If you find yourself unable to work due to a medical condition, CCK is here to help you with the long-term disability benefits process.  Whether you are filing an initial claim or appealing a claim denial, our lawyers are prepared to assist.  We want you to take care of your health instead of dealing with the worry of filling out documents, communicating with doctors, or collecting evidence.  CCK is here to help guide you every step of the way.

Do not hesitate to contact Chisholm Chisholm & Kilpatrick today for a free consultation.  You can reach a member of our team at 800-544-9144.