Getting Long-Term Disability (LTD) for Cancer
Even though cancer is often debilitating, insurers are not necessarily any more likely to award long-term disability benefits for cancer than they are for other injuries or illnesses. If your insurer denied your claim, Chisholm Chisholm & Kilpatrick LTD can help you appeal your denial and get your long-term disability (LTD) benefits.
We have a long track record of success fighting for our clients. We can put our extensive resources to work for you. Call today for a free consultation with our team: 401-331-6300.
Was My Cancer Long-Term Disability Denial Valid?
Our team will review your denial letter and LTD policy to determine whether your denial was valid.
Insurers often deny claims due to:
- A lack of evidence
- A lack of functional limitations
- Lack of severity
- Short-term disability
How Our Attorneys Prove Your Cancer Qualifies for Long-Term Disability
How we prove you qualify for LTD benefits depends on the reason for the denial.
A Lack of Evidence/Lack of Limitations/Lack of Severity
If the insurer claimed that there is not enough evidence to validate your claim, or that your cancer is not limiting enough to warrant LTD benefits, we will help gather and submit additional evidence such as:
These could include biopsies, X-rays, CT scans, MRIs, bone scans, and other evidence of your condition.
Equally important are the doctors’ records in your file. In addition to gathering your treatment records, our attorneys work with your doctors to produce a compelling report regarding the effects of your condition and how it limits your ability to work.
We work to collect statements from others who have observed you since your diagnosis. These people could include friends, relatives, neighbors, co-workers, or your employer. We might also ask you to take notes in a journal, detailing how your cancer and/or treatment affects you on a day-to-day basis and has rendered you unable to work.
Requests for Time Off Work
We can use times you requested off work due to your condition to bolster your appeal and further demonstrate your inability to work.
Some cancers go into remission rather quickly after doctors diagnose them. However, that does not mean they no longer render you unable to work. If this is the case, we will work to establish that you are still feeling the effects of your cancer or its treatment, such as “chemo brain,” fatigue, or problems with your heart, lungs, digestion, vision, hearing, or mental health.
Call the Disability Attorneys at Chisholm Chisholm & Kilpatrick LTD Today
You want to focus on your recovery from cancer, not on fighting the insurance company for your LTD benefits. Let us do that for you. We know the tactics used by insurance companies to deny claims, and we have the knowledge, experience, and resources to combat them.
Call today to discuss your case with a member of our team for free. We may be able to help. Call today: 401-331-6300.
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- Why do insurers deny long-term disability claims?
- Do You Need to Be Concerned About Disability Claim Deadlines?
- Do You Qualify for Long Term Disability Benefits?
- How Do You Learn More About Your Disability Insurance Coverage?
- What Are Some Common Disability Coverage Limitations?
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