Long-Term Disability Lawyer Serving Chesapeake Beach, MD
When you develop a debilitating medical condition that makes it difficult or impossible to work, you must consider filing for long-term disability (LTD) benefits. Moreover, if you already received a denial of your initial claim and now must appeal your insurer’s decision, this is not a process you must do on your own.
A long-term disability lawyer serving Chesapeake Beach, Maryland from Chisholm Chisholm & Kilpatrick is ready to assist you wherever you are in the LTD process. Our team understands how frustrating it can be to obtain long-term disability benefits. We believe you should not have to worry about dealing with the insurance company and instead should focus on your health.
Call CCK today at 800-544-9144 for a free consultation.
How a Long-Term Disability Attorney Can Help with Your Claim
Chesapeake Beach, MD has a disability rate of 9.1 percent. This represents a sizable number of residents that may need to file for long-term disability benefits. These benefits can protect a percentage of your pre-disability earnings, usually 60 to 80 percent.
As such, filing for benefits may be a necessity so that you may manage your condition. While it is possible to handle these claims by yourself, it is beneficial to consult with a long-term disability attorney.
A long-term disability insurance attorney can help you understand your LTD policy. These policies are especially important but also difficult to understand. They contain a lot of valuable information pertaining to your claim and/or appeal. This information can include limitations, exclusions, offsets, how to appeal, deadlines, and a definition of disability. Certain common mistakes may happen when a claimant does not understand what their policy contains.
If you receive your LTD policy through your employer, then you must be aware of ERISA law. This is a federal law that governs such “group” policies. It brings its own set of filing deadlines and strict regulations. For example, you may not submit evidence after the appeal stage. An ERISA attorney knows the complexities of this law and will ensure that your claim is compliant.
CCK Can Gather Evidence to Support Your Chesapeake Beach LTD Claim
The definition of disability located within your long-term disability policy is important. You must prove to your insurer that your condition meets this definition. Evidence is necessary.
Medical records are the primary source of evidence that claimants will submit as part of their claim. However, some claims require more proof that their condition meets this definition. CCK can gather this evidence and submit it to your insurer on your behalf. Such evidence can include:
- Specialized reports from your treating physician: Your treating physician has unique insights into your condition and how it affects you. Medical records do not always tell the whole story. Maintaining an open dialogue with your doctor is crucial to ensure that they can accurately describe how impairing your condition truly is.
- Witness statements from family, friends, and coworkers: Witness statements can bolster a claim and add credibility to your case. Family members and close friends can attest to how your condition impacts you at home, whereas coworkers can vouch for how your condition impairs you at work.
- Additional evaluations from outside experts: Sometimes claimants need to supply additional medical and vocational evaluations as part of their claim. These additional evaluations provide third-party, objective evidence to prove your disability. These experts can provide functional capacity tests, neuropsychological assessments, and vocational evaluations.
We Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every case fairly, but this is not always the reality. Many times, insurance companies prioritize their bottom line more than anything else, and this results in numerous denied claims. Moreover, such companies repeatedly ask for more information, which can become overwhelming.
The long-term disability insurance attorneys at Chisholm Chisholm & Kilpatrick understand this and want to help. First, we can act as a point of contact between you and your insurer. In other words, all correspondence will pass through us first. This frees your time up to focus on managing your condition and not worrying about receiving calls and emails from your insurance company.
We will also track all filing deadlines with your insurance company. Insurers have strict deadlines, and if you miss one it can result in issues with your claim. Our long-term disability attorneys have over three decades of collective experience dealing with insurance companies and know how they operate and what they look for. We will ensure that your claim or appeal receives a fair review.
Call CCK Today for a Free Consultation
If you are suffering from a medical condition that is impairing your ability to work, you must consider filing for LTD benefits. A long-term disability lawyer serving Chesapeake Beach, MD from Chisholm Chisholm & Kilpatrick is prepared to help you wherever in the process you are.
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.
Chesapeake Beach Blog Posts
-
Long-Term Disability Offsets ExplainedYou may receive long-term (LTD) disability benefits if you are disabled and cannot work due to a health condition. Depending on the terms of your long-term disability insurance policy, you may receive a monthly benefit that is a fixed amount or one that equates to a certain percentage of your pre-disability income. This amount is […]
-
Understanding Which Benefit Plans Are Subject To ERISABenefits a person receives through their employer are often called “group benefits.” In other words, you do not buy these benefits privately on your own. ERISA is a federal law that governs most employer-sponsored group benefit plans and sets the minimum standards of protection for plan participants. If you have a group plan through your […]
-
Independent Medical Exams (IME) for Long-Term Disability ClaimsFiling for long-term disability benefits is often stressful for insured employees who develop a debilitating medical condition. There is a myriad of issues they may face, including the waiting period; the maximum benefit period, and others. One of the most common issues that LTD claimants face is when their insurer requests they attend an independent […]