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Long-Term Disability Lawyer Serving Gaithersburg, MD

A medical condition or injury may make it difficult for you to do daily tasks, and you may find it impossible to work.  In such situations, you may need to file for long-term disability (LTD) benefits.  These benefits typically protect 60 to 80 percent of a person’s pre-disability earnings.  However, obtaining these benefits is not always easy.

This is not something you must do alone.  A long-term disability lawyer serving Gaithersburg, Maryland from CCK is prepared to help you wherever you are in the process.

We understand how difficult it is to deal with the insurance company, file a claim or appeal, and manage your condition all at once.  We want to alleviate this burden.  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 or Appeal

Some claimants may decide to handle their LTD claim or appeal on their own.  However, a long-term disability attorney can help navigate this complex process and help avoid common mistakes claimants sometimes make.  Therefore, consulting with a lawyer well-versed in ERISA law can be beneficial.

Chisholm Chisholm & Kilpatrick’s long-term disability insurance attorneys have over 30 years of collective experience.  We know what insurance companies are looking for in a successful claim and/or appeal.  Moreover, we understand the difficulties and stresses that claimants face when trying to obtain the benefits to which they are entitled.

Our team will track all deadlines to ensure that your insurer receives everything on time.  These deadlines are strict.  If you miss a deadline, it could result in a loss of your benefits.

If you have an ERISA-governed group policy, you must also be aware of ERISA deadlines and regulations.  An ERISA attorney can make sure your claim or appeal is compliant with this federal law.

Long-term disability insurance policies are often hard to understand.  However, they contain a lot of invaluable information necessary for a successful claim.  If you do not understand the contents of your LTD policy, you may make simple, common mistakes that could result in a denial.  CCK can help you avoid this by reviewing your policy and helping you understand its contents.

We Can Gather and Submit Evidence on Your Behalf

Medical records are often your primary source of evidence.  These records, however, are not always enough to prove your disability.  Some claimants may need to submit additional evidence to bolster their claim.

CCK utilizes a variety of supplemental evidence.  We can gather and submit this evidence on your behalf.  Such evidence includes:

  • Specialized reports from treating physicians: Medical records do not always tell the whole story, and sometimes it is necessary to have your doctor draft a specialized report. These reports can highlight aspects of your condition that your medical records do not, which can show how far-reaching and debilitating your condition truly is.
  • Witness statements from family, friends, and coworkers: Others often see how your condition affects you, both at home and at work. Thus, obtaining witness statements can illustrate how your condition affects you daily.  Family and friends can vouch for how your condition impairs you at home; coworkers can attest to how your condition affects you at the workplace.
  • Outside experts’ opinions: Sometimes you must submit additional medical and vocational evaluations to bolster your claim. CCK works with several outside experts who can provide such evaluations, which can include functional capacity tests and neuropsychological assessments.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should review every claim fairly, but this is not always the reality.  Oftentimes, such companies wrongfully deny LTD claims.  Moreover, they may surveil claimants to discover an “inconsistency” in their claim or require them to attend an “independent medical exam” performed by a doctor paid by the insurer.  This can be frustrating.  What is more, insurers routinely ask for more information, which can be overwhelming, especially when you are trying to manage your condition.

CCK understands these frustrations and the stress that comes with dealing with the insurance company.  We want to help.

The disability rate in Gaithersburg, Maryland between 2016 and 2020 was 6.7 percent.  If you also have a disability, it is possible you may need these benefits.  We can act as a point of contact between you and your insurer.  All correspondence must pass through us first, which will free up your time to focus on your well-being.

Additionally, CCK can submit everything to your insurer on your behalf and, if they issue your claim a denial, we can help you submit a comprehensive appeal package.  In short, we can help you at any stage, from the initial claim all the way to court litigation.

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.  Likewise, if your initial claim receives a denial from your insurer, you have the right to appeal.  CCK can help.  A long-term disability lawyer serving Gaithersburg, MD from CCK is ready to assist.

Call us today at 800-544-9144 for a free consultation.  We will evaluate your case and see if we can help.