Long-Term Disability Lawyer Serving Columbia, MD
A debilitating medical condition can burden a person’s life. These medical conditions can make it impossible to work, which may necessitate filing for long-term disability (LTD) benefits. These benefits can usually protect a percentage of your pre-disability earnings—usually 60 to 80 percent.
However, dealing with the insurance company is often difficult and stressful. When you must manage your condition while also filing—or appealing—an LTD claim, you may become overwhelmed.
Luckily, this is not something you must do on your own. A long-term disability lawyer serving Columbia, Maryland from Chisholm Chisholm & Kilpatrick is ready to help. Our LTD attorneys have over three decades of collected experience dealing with insurance companies and can help you obtain the disability benefits to which you are entitled. Call us today at 800-544-9144 for a free consultation.
A Long-Term Disability Attorney Can Help You with Your Claim
Some claimants decide to handle their claim or appeal on their own. While this is possible, it is not always advantageous. Mistakes are easy to make when filing such claims, and even simple mistakes can be detrimental. An insurance company will use any reason they can to deny a claim. Thus, consulting with a long-term disability attorney is beneficial.
An attorney from CCK can help alleviate the stress of filing for such benefits. Long-term disability policies contain vital information but are often hard to understand. Many mistakes stem from claimants not understanding their policy. An LTD lawyer can help you understand your policy to avoid such mistakes.
Moreover, a long-term disability insurance attorney from CCK can help you determine what evidence you should submit to your insurer. This evidence forms a crucial part of your LTD claim or appeal—it will help you demonstrate that your condition disables you per the definition of disability found within your policy.
If you receive your long-term disability policy through your employer, then you must be aware of ERISA. This is a federal law that governs group policies. ERISA brings its own strict deadlines and stringent regulations with which you must comply. Our ERISA attorneys will ensure that your claim or appeal is compliant.
CCK Can Gather Evidence to Bolster Your Columbia LTD Claim
Medical records are often your primary source of evidence. These records, however, do not always tell the whole story. Sometimes you must also submit supplemental evidence to reinforce your claim.
CCK utilizes various forms of supplemental evidence. We can collect this evidence and submit it on your behalf. Such evidence includes:
- Specialized reports from your treating doctors: Part of managing your condition is regularly visiting your doctor. During these appointments, you should maintain an open dialogue with them so that they can fully understand your condition and how it impacts you. Your doctor has unique insights into your condition and can draft a specialized report detailing exactly how it impairs you.
- Witness statements from family, friends, and coworkers: Others see how your condition impacts you daily. Obtaining official witness statements can bolster your claim by showing how far-reaching your condition is. Family and friends can attest to how your condition affects you in your private life. Coworkers can vouch for how your condition prevents you from working.
- Outside opinions from experts: Insurance companies prefer objective evidence, so sometimes it is necessary to obtain third-party evaluations that demonstrate your need for LTD benefits. CCK works with several outside experts who can provide this evidence for your claim. Examples of such evidence include functional capacity tests, neuropsychological assessments, and vocational evaluations.
CCK Can Ease the Burden of Dealing with the Insurance Company
In Columbia, Maryland, the disability rate between 2016 and 2020 was 6.6 percent. As such, many people must face the prospect of filing for long-term disability benefits when they cannot work.
However, insurance companies are usually difficult to work with, and this can add stress to an already stressful situation. CCK understands these difficulties and can help ease the burden of dealing with the insurance company.
We can act as a point of contact between you and your insurer. Oftentimes, such companies repeatedly ask you for more information. This can be stressful and distracting, especially when you are trying to focus on getting better. CCK can handle all correspondence with your insurer. In short, all communication will pass through us first, which frees up your time to focus on your health.
CCK can collect and submit all documentation and evidence on your behalf to your insurer. We can also track all filing deadlines and ensure that your insurer handles your claim fairly. Insurance companies often prioritize their financial needs over all else, but we will hold them accountable.
Call CCK Today for a Free Consultation
It is difficult to face the reality of not being able to work when you have a disabling medical condition. Moreover, if your insurer denies your claim, you may feel disheartened.
However, this is not something you must do alone. CCK can help you wherever in the LTD process you are. We believe you should not have to worry about obtaining your long-term disability benefits and want to assist. Our team serves Columbia, MD, and may be able to help you with your claim or appeal.
Call us 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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Long-Term Disability Waiting Period: What to ExpectObtaining long-term disability benefits is often challenging. Insurance companies, such as Humana or New York Life, deny disability claims often. Moreover, these policies also include a waiting period during which you are unable to receive benefits. It is important to thoroughly read your policy to know exactly how long this period lasts so that you […]
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