Long-Term Disability Lawyer Serving Wilton, CT
If you suffer from a debilitating medical condition that prohibits your ability to work, then you must consider filing for long-term disability (LTD) benefits. These benefits can help protect all or a percentage of your income when you cannot work due to a disability. Filing for these benefits, however, can be a daunting task, especially when you must also deal with the insurance company. Luckily, this is not a process you must do alone.
A long-term disability lawyer serving Wilton, CT from Chisholm Chisholm & Kilpatrick is ready to assist you wherever you are in the process. Our legal team has the experience necessary to help you obtain the LTD benefits you need. Call us today at 800-544-9144 for a free consultation with a member of our team.
Contacting an LTD Lawyer is Beneficial for Your Claim
The disability rate in Wilton, CT between 2016 and 2020 was 3.3 percent. As such, filing for long-term disability benefits is a possibility for many. Many claimants, however, decide to handle such claims on their own. While this is possible, it is not always the best choice.
Consulting with a long-term disability lawyer is beneficial because it can help you avoid simple mistakes. Moreover, an LTD lawyer can help free up your time so that you may manage your condition.
First, our team can evaluate your long-term disability policy. These policies are often hard to understand. If you do not understand your policy and what it contains then you could make a simple mistake that could cost you your benefits. We have years of experience reading such policies and can make sense of it for you. Moreover, we can ascertain your policy’s definition of disability and use it to determine the best evidence to collect to strengthen your claim.
If you have an LTD policy through your employer, then you must be aware of ERISA law. ERISA is a federal law that governs group policies. This law comes with its own strict deadlines, which we can track for you. We will submit everything on time on your behalf.
CCK Can Gather Evidence to Bolster Your Wilton Long-Term Disability Claim
Medical records are your primary source of evidence. However, for some claimants, these records are not enough to prove their disability warrants LTD benefits. Therefore, it is sometimes necessary to submit supplemental evidence to strengthen your claim. CCK utilizes several forms of supplemental evidence, such as:
- Reports from your treating physician: Obtaining a specialized report from your doctor can significantly strengthen your claim. Your doctor will understand how your condition affects you on a day-to-day basis and can attest to its impact on your ability to work in a way that your medical records do not. It is vital to maintain open communication with your doctor so that they may fully describe your condition in these reports.
- Statements from personal acquaintances: Other people often see how your condition affects you. As such, it is important to obtain official witness statements from personal acquaintances who can attest to the impact your condition has on you. For example, coworkers can attest to how your condition affects you at work, and family and friends can attest to how your condition affects you at home.
- Evaluations from outside experts: Sometimes it is advantageous to submit additional medical and vocational evidence as part of your claim. CCK works with several outside experts who can provide these evaluations, which can include functional capacity, neuropsychological, and vocational assessments.
CCK Can Ease the Burden of Dealing with the Insurance Company
The long-term disability lawyers at CCK have over 30 years of collective experience dealing with insurance companies and know how they operate. Insurance companies commonly prioritize their financial needs over the needs of their clients. As a result, many LTD claims receive denials, and many claimants must then submit an appeal to obtain their benefits. Moreover, insurers can be relentless with their communications with claimants. All this can add stress to an already stressful situation.
Chisholm Chisholm & Kilpatrick can act as a point of contact between you and your insurance company. In other words, all communication must pass through us first. This frees up your time to manage your condition instead of worrying about corresponding with the insurance company.
Our attorneys can track all deadlines and submit all evidence on your behalf. This ensures that your insurance company receives everything on time. Missing deadlines can sometimes result in losing your rights to benefits. We believe you should not have to worry about filing for benefits or filing an appeal.
Additionally, should your initial claim receive a denial, you have the right to appeal. We can review your denial letter, address any issues listed therein, and gather and submit any additional relevant evidence, as necessary. In short, we can help you no matter where you are in the process.
Call CCK Today for a Free Consultation
If you suffer from a medical condition that is preventing you from working, then you must consider filing for long-term disability benefits. Moreover, if you received a denial of benefits, you have a right to appeal to your insurance company. Regardless of where in the process you are, a long-term disability lawyer serving Wilton, CT from Chisholm Chisholm & Kilpatrick can help you.
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.
Wilton Blog Posts
- The Value of Vocational Evidence in Long-Term Disability Claims
When 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 […]
- 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 […]
- 7 Common Long-Term Disability Claim Mistakes
The long-term disability (LTD) claim process is complex, and simple mistakes can be detrimental when filing a claim for LTD benefits. Insurance companies do not want to approve claims if they can help it, so a simple mistake can be enough for them to issue a denial. In this article, we will discuss seven of […]