Long-Term Disability Lawyer Serving Brookmont, MD
If you suffer from a debilitating medical condition that prevents you from working, you must consider filing for long-term disability benefits. These benefits can protect a percentage of your income when you are unable to work due to a disability. A long-term disability lawyer serving Brookmont, MD from Chisholm Chisholm & Kilpatrick is ready to you assist you wherever you are in the process.
CCK understands how stressful it is to manage your health and file for LTD benefits. We want to alleviate this stress. Call us today at 800-544-9144 for a free consultation with a member of our team.
A Long-Term Disability Lawyer Can Help with Your Claim
Montgomery County, where Brookmont, Maryland is located, has a disability rate of 5.2 percent. If you have a disability and cannot work as a result, you can file a claim for long-term disability (LTD) benefits.
Many claimants may decide to handle these claims on their own. Filing for LTD benefits is often complex and stressful. A simple, common mistake can be detrimental and result in a denial of benefits. Thus, consulting with a long-term disability lawyer can be beneficial for your claim.
A long-term disability attorney can help with your claim by first reviewing your policy. Your policy contains a lot of vital information for your claim. Yet these policies are also hard to understand. CCK can help you understand your policy’s coverage. Understanding your coverage will help you avoid missteps that could result in your insurer denying your claim.
If you receive your LTD policy through your employer, then you must be aware of ERISA. ERISA is a federal law that governs group policies. Group policies are part of an employer’s benefits package. This law, however, is complex. It comes with its own strict deadlines and regulations. An ERISA attorney from CCK will ensure your claim is compliant.
CCK Can Collect Evidence to Strengthen Your Brookmont LTD Claim
To receive benefits, you must prove that your condition disables you per the definition of disability within your policy. This definition will either ask whether you can perform the duties of your specific job or any job whatsoever. As such, your evidence must reflect this definition.
Medical records are your primary form of evidence. However, some claimants may need to submit supplemental evidence. CCK can determine and collect the best supplemental evidence for your claim. Moreover, we can submit this evidence on your behalf. Supplemental evidence can include:
- Specialized reports from your treating physician: Medical records often do not tell the whole story. Your treating physician has unique insights into how your condition specifically impairs you. A specialized report can highlight these aspects of your situation and demonstrate why you need LTD benefits.
- Witness statements from personal acquaintances: People often see how your condition affects you. This can include family members, close friends, and coworkers. Official witness statements from these individuals can illustrate how far-reaching your condition is and why you need benefits.
- Additional evaluations by outside experts: Sometimes, procuring additional medical and vocational evaluations is necessary to strengthen your claim. Outside experts can provide these evaluations, such as functional capacity tests or neuropsychological assessments. These evaluations provide your claim with objective medical evidence.
CCK Can Lessen the Burden of Dealing with the Insurance Company
Insurance companies should handle every long-term disability claim neutrally, but this is often not the reality. Such companies prioritize their financial needs, which can lead to numerous claims receiving denials. Often, insurers will hire private investigators to surveil claimants or request that they attend an independent medical exam (IME) from a doctor paid for by the insurance company.
Dealing with the insurance company adds unnecessary stress to an already stressful situation. CCK understands this and can help. Our long-term disability insurance attorneys can act as a point of contact between you and your insurer. This ensures that all correspondence must pass through us first. This frees up your time to focus on what matters most: your health.
There are strict filing deadlines that you must meet. CCK can track these deadlines to ensure your insurer receives everything on time. Moreover, we can collect and submit all documentation and evidence on your behalf.
If your initial claim receives a denial, you have the right to appeal. CCK can handle your appeal for you – we can compile a comprehensive appeal package to submit to the insurance company. In short, we can help you at any stage of the LTD process.
Call CCK Today for a Free Consultation
If you suffer from a debilitating medical condition that prevents you from working, you must consider filing for long-term disability benefits. A long-term disability lawyer serving Brookmont, MD from CCK is ready to assist you. Whether you are filing your initial claim, appealing your insurer’s decision, or litigating in court, it is not something you must do on your own.
Call CCK 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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