Long-Term Disability Lawyer Serving Bowie, MD
If you suffer from a debilitating medical condition that prevents you from working, then you must consider filing for long-term disability (LTD) benefits. These benefits typically protect a percentage of your pre-disability earnings when you cannot work due to a disability. However, obtaining these benefits is not always simple. Luckily, this is not a process you must do alone.
A long-term disability lawyer serving Bowie, MD from Chisholm Chisholm & Kilpatrick is ready to assist you wherever you are in the process. Whether you need help filing an initial claim, appealing a denial of benefits, or litigating your case in court, CCK has the experience necessary to help. Call today at 800-544-9144 for a free consultation.
Contacting a Long-Term Disability Lawyer is Beneficial for Your Claim
Some claimants may decide to handle their LTD claims on their own. While this is possible, it is not necessarily the best decision. Oftentimes, claimants make mistakes when they handle their claims on their own. These mistakes may lead to a denial of benefits. Nobody wants to face the reality of losing out on their benefits when they need them most. Therefore, consulting with an experienced long-term disability insurance attorney is beneficial for any claim or appeal.
The disability rate in Bowie, Maryland between 2016 and 2020 was 6.4 percent. As such, the possibility of needing LTD benefits is real. However, such policies can be difficult to understand. A long-term disability attorney knows what to look for in your policy. CCK can review your LTD policy and help you make sense of its contents. A lot of essential information is contained therein, such as the maximum benefit period, how to appeal, and a definition of disability.
You must prove that your disability impairs you per the definition contained within your policy. Our team will look at this definition and ascertain the best evidence to collect to reinforce your claim and prove that your condition meets this definition. We will track all deadlines and ensure that your claim receives a fair review.
CCK Can Gather and Collect Evidence to Strengthen Your Bowie LTD Claim
Medical records are often your primary source of evidence. Some claimants may only need these records, but others may need to submit additional evidence. This additional evidence can bolster your claim and show why you need benefits. CCK utilizes a variety of supplemental evidence, such as:
- Specialized reports from treating physicians: Your medical records may not be enough. However, if you maintain an open dialogue with your treating physicians, they can illustrate how your condition specifically impacts you. These specialized reports can highlight aspects of your condition that your medical records do not.
- Witness statements from personal acquaintances: Personal acquaintances often see how your condition affects you, both at work and at home. Thus, witness statements from family and friends can show how your condition impacts you in your private life. Likewise, coworkers can attest to how your condition affects you in the workplace.
- Additional evaluations from outside experts: CCK works with several outside experts who can provide third-party, objective evidence. Experts can provide functional capacity tests, neuropsychological assessments, and vocational evaluations. This evidence can show how your condition meets your policy’s definition of disability.
We Can Lessen the Burden of Dealing with the Insurance Company
Every insurance company should treat LTD claims fairly. However, this does not always happen. Often, they deny claims. When this happens, however, you have the right to appeal. Nevertheless, you may face repeated requests for information and evidence, surveillance tactics to discover inconsistencies in your claim, and be required to attend an independent medical exam. CCK has over three decades of collective experience dealing with insurance companies, and we know how they operate.
We can help lessen the burden of dealing with the insurance company. We can act as a point of contact between you and them, i.e., all correspondence must pass through us first. This frees up your time to focus on what is most important: your health.
Additionally, if you receive your long-term disability policy through your employer, then you must be aware of ERISA. ERISA is a federal law that governs such policies. This law has its own strict deadlines and regulations, but our team can ensure that your claim or appeal is compliant so that you may receive a fair review of your claim.
Call CCK Today for a Free Consultation
When you suffer from a debilitating medical condition that prevents you from working, you must consider filing for long-term disability benefits. Moreover, if your insurer denies your claim, you need to file an appeal to receive your benefits. CCK can help no matter what stage you are currently in. We have the experience necessary to fight for your benefits. We serve the city of Bowie, MD, and can help you obtain your LTD benefits.
Call CCK today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your claim and see if we can help.
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