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Long-Term Disability Lawyer Serving Ellicott City, MD

Suffering from a debilitating medical condition is not easy.  You must manage your condition while also worrying about your ability to work.  When you cannot work due to such a condition or injury, you must consider long-term disability (LTD) benefits.  These benefits can protect a percentage of your pre-disability earnings while you treat your condition.  However, obtaining these benefits can be complex and stressful.

A long-term disability lawyer serving Ellicott City, Maryland from Chisholm Chisholm & Kilpatrick is ready to assist you with your claim or appeal.  We understand how difficult this process is.  Our LTD attorneys have over three decades of collective experience and can help you at any stage.  Call CCK today for a free consultation at 800-544-9144.

A Long-Term Disability Lawyer Can Help with Your Claim

The disability rate in Ellicott City, MD was 3.6 percent between 2016 and 2020.  As such, having a long-term disability insurance policy is vital.  These benefits are crucial in protecting your income when you cannot work.  However, LTD policies are often hard to understand.  They may include exclusions and limitations that can be difficult to grasp.  A long-term disability insurance attorney can help you navigate these policies.

Moreover, such policies contain a lot of invaluable information pertaining to your claim or appeal, such as deadlines, how to appeal, and a definition of disability.  This definition of disability is important.  You must prove your condition meets this definition.  To do this, you must gather evidence.  This can be overwhelming.  A long-term disability lawyer from CCK can help you gather this evidence.  Our team can determine the best evidence to gather to prove your claim to your insurance company.

ERISA law governs group policies, which are LTD policies obtained through an employer.  ERISA brings its own deadlines and strict regulations.  It can be easy to make a simple mistake if you are not aware of the intricacies of this federal law.  We have extensive knowledge of ERISA and can help ensure your claim is compliant with this law.

CCK Can Collect Evidence to Demonstrate Your Need for LTD Benefits

Evidence is necessary to prove your condition meets your policy’s definition of disability.  Medical records are ordinarily your primary source of evidence.  However, some claimants may need to submit supplemental evidence to reinforce their claim.  CCK utilizes several types of supplemental evidence, such as:

  • Specialized reports from your treating physicians: Your doctor has insights into how your condition affects you daily. Medical records do not always tell the whole story.  Your doctor can highlight certain aspects of your condition and illustrate how it prevents you from working.
  • Witness statements: Often, people see how your condition affects you. It is beneficial to obtain witness statements from close acquaintances and family members who can vouch for how your condition affects you at home and in the workplace.
  • Evaluations from outside experts: Sometimes, it is necessary to include additional evaluations of your condition. These evaluations can include functional capacity and neuropsychological assessments.  Moreover, vocational experts can provide further details as to how your condition affects you at your specific job.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every claim fairly.  However, this is not always the reality.  Often, they prioritize their financial needs over everything else.  As such, they end up denying many claims.  When you receive a denial of your claim, it can be demoralizing, but you have the right to appeal.  Nevertheless, the stress that comes with dealing with the insurance company is overwhelming for many claimants.

CCK can help lessen this stress by acting as a point of contact.  In short, all correspondence will pass through us first.  This ensures you will not endure repeated requests for information, which frees your time up to focus on your health.

Moreover, we can track all deadlines; gather and submit evidence on your behalf; handle your appeal and directly address any issues your insurer had with your claim; and litigate in court if necessary.  In short, we can handle all aspects of your claim or appeal and ensure that your insurer receives everything on time.

We know how difficult this process is and want to help.  We have over 30 years of collective experience dealing with insurance companies.  As such, we know how they operate and what they look for in a claim.  We  will hold your insurance company accountable and ensure a fair review of your claim.

Call CCK Today for a Free Consultation

If you are suffering from a debilitating medical condition that is preventing you from working, then you must consider filing for long-term disability benefits.  Likewise, if you filed a claim that was denied by your insurer, then you have the right to appeal.  Regardless of where in the process you are, an LTD lawyer from CCK serving Ellicott City, Maryland is prepared to help.

Call CCK today at 800-544-9144 for a free consultation.  We will evaluate your claim and see if we can assist.