Long-Term Disability Lawyer Serving Westport, CT
When you suffer from a medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits. You may have LTD insurance through your employer or through your insurer directly. Either way, you want to know that these benefits will be there when you need them. However, the process of filing for long-term disability benefits is often complex and stressful, especially when you must deal with your insurance company.
This is not something you must do alone. A long-term disability lawyer serving Westport, CT from Chisholm Chisholm & Kilpatrick is ready to assist you. We have the experience necessary to help you obtain the benefits you need. Call us today at 800-544-9144 for a free consultation with a member of our team.
Contacting an LTD Attorney is Beneficial for Your Claim
Some claimants decide to handle their long-term disability claims on their own. However, this is not always the best option. It is easy to make mistakes on a claim, and these mistakes can be detrimental. You do not want to lose out on your benefits when you cannot work.
The disability rate in Westport, CT between 2016 and 2020 was 4.3 percent. As such, you may need to file a claim with your insurer. Contacting an LTD attorney is beneficial so that you may avoid common mistakes and receive your benefits.
Since most long-term disability claimants are under 65 years of age, seniors may face an uphill battle to recover benefits. If you suffer from a long-term disability after age 65, you may recover benefits for up to 18 months. Find out more about your recovery options from our legal team.
Your long-term disability policy has a lot of vital information within it. It is important to thoroughly read your policy, but these policies are often complex and hard to understand. Chisholm Chisholm & Kilpatrick can review your policy and help you understand it. Moreover, we can use your policy to help determine and gather the best evidence to prove your claim.
CCK understands how difficult it is to manage your health while also trying to file a claim for long-term disability benefits. We want to alleviate this stress. Our attorneys are knowledgeable in ERISA law, which governs group plans.
Group policies are policies that your employer provides you. ERISA has its own strict regulations and deadlines to which you must adhere. Our team can track these deadlines and ensure that your claim follows all ERISA regulations.
What Conditions Qualify for Long-Term Disability Benefits?
Long-term disability insurance covers a wide range of conditions. If you were injured in an accident or diagnosed with a disease or mental health condition, you may qualify for benefits. After reviewing your case, our lawyers can determine if you have grounds to pursue a claim.
Some common conditions that can be recognized by LTD insurance, include:
Conditions like tendonitis can start as a simple irritation, but symptoms can easily spiral into a debilitating condition. Having a physician closely monitor the evolution of your illness and building a well-documented case can increase your chances of securing benefits for tendonitis. Our LTD lawyers can guide you through the claims process.
CCK Can Gather Evidence to Strengthen Your Long-Term Disability Claim
You must submit evidence to the insurance company when you file for long-term disability benefits to prove your condition meets your policy’s definition of disability. Medical records are ordinarily your primary source of evidence, but some claims require supplemental evidence, too. As such, CCK utilizes various forms of supplemental evidence and can collect and submit it on your behalf. Such supplemental evidence can include:
- Reports from your treating physician: A specialized report from your doctor can illustrate how your condition impacts you daily. Moreover, such reports can provide a more in-depth look at your condition than your medical records. Therefore, it is vital that you maintain an open dialogue with your doctor so that they may accurately describe your condition and how it affects you.
- Statements from personal acquaintances: Other people in your life often see how your condition affects you. Witness statements from personal acquaintances can strengthen your claim and show how far-reaching it truly is. Obtaining witness statements from family and friends can show how your condition affects you at home while statements from coworkers can show how your condition affects you in the workplace.
- Evaluations from outside experts: CCK works with several outside experts who can provide objective, third-party evidence for your claim. These experts can conduct additional evaluations to help prove your claim, such as functional capacity; neuropsychological; and vocational assessments. If you suffer from a severe condition, like sciatica, independent experts can help prove how symptoms affect your ability to work. Their findings can help you recover benefits for sciatica or other debilitating medical conditions.
CCK Can Ease the Burden of Dealing with the Insurance Company
Our legal team understands how difficult it is to deal with the insurance company. Often, they relentlessly request information, and this correspondence can become a burden and distract you from focusing on your health.
Our team has over 30 years of collective experience dealing with insurance companies and knows how they operate. Insurance companies should handle every claim fairly, but they often prioritize their financial needs instead. As such, insurers issue many denials of benefits.
CCK can act as a point of contact between you and the insurance company. In short, all communications must pass through us first. This frees your time to focus on what matters most: your health. We believe you should not have to stress about corresponding with your insurer, so we take care of that for you.
Additionally, if your insurance company issues your initial claim a denial, you have the right to appeal. Our team can handle your appeal, too. Your insurance company should send you a denial letter explaining the reasoning behind their decision. Our team will review this letter; directly address any issues therein; collect any necessary additional evidence; and submit a comprehensive appeal package to your insurance company. In short, a long-term disability lawyer serving Westport, CT from CCK is ready to help you no matter where in the process you are.
Call CCK Today for a Free Consultation
When you suffer from a debilitating medical condition that prevents you from working, you must consider long-term disability benefits. These benefits can protect your income when you are unable to work due to a medical condition or injury. CCK wants to help you obtain these benefits.
Call us today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your case and see if we can help.
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