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Disability Policy Information

Disability Policy Advice

Advice on Your Disability Policy

​If you are disabled and unable to work, it can be difficult to know what to do. Your employer may have provided long term disability (LTD) insurance or you may have your own private LTD insurance. These policies are often difficult to understand and can raise a wide range of questions:

  • What is covered under my policy?
  • Does my disability qualify me for coverage?
  • When and how do I make my claim?
  • What do I do if my claim is denied?

​At the law firm of Chisholm Chisholm & Kilpatrick LTD, our attorneys can answer these questions for you and help you obtain the coverage you need.

Knowledgeable Advice and Guidance

​Our background knowledge and experience regarding ERISA and private disability insurance claims make us uniquely suited to advise clients on issues before claims are made and, regrettably, often denied. These issues often include:

  • Own occupation vs. any occupation coverage
  • Offset or “other income” such as Social Security Disability Insurance (SSDI), pension or other earnings
  • Total disability vs. partial disability
  • Limitations of coverage based on mental illness, self-reported symptoms or limitations due to conditions of the spine
  • Standard of review in court
  • Bad faith
  • Punitive damages
  • Availability of attorneys’ fees

Skilled at analyzing insurance policies and knowledgeable in the applicable long-term disability insurance laws, we can provide you with the advice you need to make informed decisions regarding your claim.

Contact Our Lawyers to Learn More About Your Policy

When you speak with our lawyers, we can provide you with a straightforward assessment of your case. Whether you are considering filing a claim for disability or have been denied coverage and want to know your options, we can help you. Contact our law firm to schedule a consultation or call us at 401-331-6300.