Long-Term Disability Lawyer Serving Chevy Chase, MD
When you develop a medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your income when you are unable to work. However, such benefits are often difficult to obtain. A long-term disability lawyer serving Chevy Chase, Maryland from Chisholm Chisholm & Kilpatrick is ready to help you.
Regardless of where in the process you are, this is not something you must do alone. CCK has over three decades of collective experience and is ready to help you receive the benefits to which you are entitled. Call us today at 800-544-9144 for a free consultation with a member of our team.
Contacting a Long-Term Disability Lawyer is Beneficial for Your Claim
Some claimants may decide to handle their long-term disability claims on their own. Unfortunately, this can lead to simple, common mistakes. These mistakes can result in an insurance company denying your claim. When an insurance company denies a claim, it can be overwhelming.
Thus, it is important to contact a long-term disability lawyer who can help you with your claim. In Chevy Chase, MD the disability rate is approximately 3.6 percent. If you have a disability, you must seek the benefits you need.
A long-term disability insurance attorney from CCK can help you at any stage in the process. We work to alleviate the burden of filing these claims on your own. CCK can track all deadlines, collect and submit all documentation and evidence, help you understand your policy, ensure that your claim or appeal is ERISA compliant, and more.
CCK Can Collect Supplemental Evidence that Strengthens Your Claim
Your policy includes a definition of disability. This definition of disability is important for your claim. You must prove that your condition meets this definition to receive benefits.
Some claimants may only need to submit their medical records to their insurer; however, certain claims require supplemental evidence. CCK utilizes several forms of evidence that can strengthen your claim, such as:
- Specialized reports from your treating physicians: Your doctor has unique insights into your condition and how it affects you. A specialized report can highlight certain aspects that medical records cannot. Thus, it is important to maintain an open dialogue with your physician. This ensures that they can fully demonstrate your need for benefits.
- Witness statements from family, friends, and coworkers: Often, others see how your condition disables you. Obtaining official witness statements can reinforce your claim. Family and friends can vouch for how your condition impairs you at home. Coworkers can attest to how your condition prohibits you from working.
- Additional evaluations from outside experts: Insurance companies prefer objective evidence. Certain conditions may require you to submit additional medical or vocational evaluations to prove you require benefits. CCK works with several outside experts. These experts can conduct functional capacity tests, neuropsychological exams, and vocational evaluations that can all strengthen your claim.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every LTD claim neutrally. Unfortunately, the reality is often different. Insurers do not want to pay claims. Instead, they prioritize their financial needs, which often results in denials. Moreover, insurance companies often repeatedly ask claimants for more information, which can become overwhelming. It is stressful when a claimant must deal with their insurer and manage their condition.
CCK understands how stressful it is to deal with the insurance company. As mentioned, we have over three decades of experience dealing with such companies and know how they operate. We are prepared to alleviate the stress of dealing with them so that you may focus on your health.
First, we can act as a point of contact. In other words, all correspondence must pass through us, first. This will free up your time to focus on your health.
In addition, we can handle your appeal if your insurer denies your claim. Many claimants may become disheartened when they receive a denial, but they have the right to appeal. CCK can review the denial letter and submit a comprehensive appeal package on your behalf. If necessary, we are prepared to represent our clients during litigation to win them the long-term disability benefits they need.
Call CCK Today
Obtaining long-term disability benefits can be stressful. There is a lot of paperwork, deadlines, and regulations claimants must follow. It can become overwhelming, but it is not something you must do alone. A long-term disability lawyer serving Chevy Chase, Maryland from CCK is prepared to help you with your LTD claim or appeal. Moreover, if your benefits were wrongfully terminated, we will fight to have them reinstated.
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 assist.
Chevy Chase Blog Posts
- What Is ERISA Litigation?
The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]
- Effective Communication and Long-Term Disability Claims
Long-term disability insurance can be purchased by individuals or can be received through your employer. If you lose income due to a covered disability, long-term disability insurance will replace all or some of your income and may provide other benefits. In order to receive these benefits, you must file a claim with your insurer. This […]
- Long-Term Disability (LTD) Insurance Company Deadlines: ERISA
Employer-provided long-term disability (LTD) policies are governed by the Employee Retirement Security Act of 1974 (ERISA), which includes requirements for deadlines. Insurance companies must follow the ERISA regulations when issuing decisions on your long-term disability claim or appeal. Initial Claim Decision Deadlines In order to receive long-term disability (LTD) benefits, you will need to file […]