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Long-Term Disability Lawyer Serving La Plata, MD

Suffering from a debilitating medical condition often makes it impossible to work.  In these situations, you may need to file for long-term disability benefits.  These benefits usually protect 60 to 80 percent of your pre-disability earnings and allow you to manage your condition.  Luckily, obtaining these benefits is not something you must do alone.

A long-term disability lawyer serving La Plata, MD from Chisholm Chisholm & Kilpatrick is ready to assist you with your claim or appeal.  We have the necessary experience to help you obtain the benefits to which you are entitled.  Call CCK today at 800-544-9144 for a free consultation with a member of our team.

Consulting with a LTD Lawyer is Beneficial for Your Claim

Some claimants decide to handle long-term disability claims on their own.  However, the process of filing a claim is complex, and LTD policies can be hard to understand.  Insurance companies issue many denials, so it is vital to not commit any common mistakes that could result in the loss of benefits.

In La Plata, MD, the disability rate is 6.4 percent.  As such, those with a disability must receive the benefits to which they are entitled.

It is beneficial to contact a long-term disability lawyer.  An LTD attorney can ensure that these common mistakes are avoided.  Moreover, they will ensure that your claim is compliant with ERISA law when you have a group policy.  The long-term disability team at CCK is well-versed in ERISA and can assist you in collecting evidence and tracking all filing deadlines.

Additionally, a long-term disability insurance attorney from CCK can look at your LTD policy and help you understand its contents.  Such policies include a lot of invaluable information, such as limitations, exclusions, deadlines, offsets, and a definition of disability.  Misunderstanding the contents of your policy can be detrimental to your claim.

CCK Can Gather Evidence to Reinforce Your La Plata LTD Claim

The definition of disability within your policy is important.  You must show the insurance company that your condition meets this definition to receive benefits.  To do this, you must submit evidence.

Medical records are most claimants’ primary source of evidence, but some claimants need to submit supplemental proof to prove their disability.  CCK can collect and submit this supplemental evidence on your behalf.  We utilize several types of additional evidence, including:

  • Specialized reports from your treating physician(s): Your physician has unique insights into how your condition affects you. Your medical records often cannot highlight all aspects of your condition, but your doctor can.  Maintaining an open dialogue with them and regularly attending appointments is important.
  • Witness reports from family, friends, and coworkers: Often, others have seen how your condition affects you. Personal acquaintances can vouch for how your condition impacts your daily life, both at home and at work.  A witness statement can highlight how you have changed, whether your condition is getting worse, and how you are now unable to complete certain tasks.
  • Additional evaluations by outside experts: Outside experts can provide additional, objective evidence for your claim. This can include functional capacity tests, neuropsychological assessments, and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies are difficult to deal with, especially when you are filing or appealing for LTD benefits.  These companies should handle all claims neutrally, but this is not always the reality.

Insurance companies often repeatedly ask claimants for more information throughout the claim and appeal process.  These repeated requests can be troublesome and stressful for claimants.  A long-term disability attorney from CCK can help alleviate this stress by shouldering the burden of dealing with the insurance company.

Our team can act as a point of contact between you and the insurance company.  In short, we will handle all correspondence so that you can focus on your health.  All communication will pass through us first.  We understand how frustrating this sort of correspondence is and want to lessen the burden as much as we can.

We have over three decades of experience dealing with insurance companies and know how they operate.  Often, they prioritize their financial needs and, as a result, issue many denials.  We work to ensure that your claim and/or appeal is given a fair review, and we will hold your insurer accountable.

Call Us Today for a Free Consultation

When you suffer from a medical condition that prevents you from working, you must consider filing for long-term disability benefits.  It may seem a daunting task when you are beginning.  A long-term disability lawyer serving La Plata, MD can help you overcome the difficulties of filing for LTD benefits.  We believe you that you should be focused on what matters most: your health.

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 you.