Long-Term Disability Lawyer Serving Maryland
It is overwhelming when you develop a medical condition that impairs your ability to work. In such situations, it is often necessary to file for long-term disability (LTD) benefits. These benefits can protect your income while you are unable to work.
However, the long-term disability claim and appeal process can be complex. Therefore, it is advantageous to consult a long-term disability lawyer who can help you.
Regardless of where you are in the LTD process, a long-term disability lawyer serving Maryland from Chisholm Chisholm & Kilpatrick is ready to assist you. Call us today at 800-544-9144 for a free consultation with a member of our team.
Contacting an LTD Lawyer is Beneficial for Your Maryland Claim
In Maryland, between 2016 and 2020, the disability rate was 7.6 percent. Additionally, according to the CDC, the average cost of disability healthcare in 2017 was $21,118 per person in Maryland. This is significant when a person cannot work. Therefore, it is important to receive LTD benefits.
It is possible to handle long-term disability claims by yourself, but this is not always the best option. It can be beneficial to contact a dedicated LTD lawyer when filing for disability benefits. A lawyer understands the stress that comes with filing for disability benefits, and they can help guide you through the complexities of the process.
Insurance companies are difficult, and they often request information. While such companies should handle all claims neutrally, this is not always the reality. Instead, insurance companies prioritize their financial needs over the health needs of their clients, often resulting in denials of claims. CCK works to ensure that your insurance company handles your claim fairly.
Our dedicated team of long-term disability lawyers can act as a point of contact between you and your insurance company. We will handle all correspondence so that you do not have to deal with your insurer at any point during this process. We will ensure your insurance company receives all requests on time.
CCK Can Gather Evidence to Show You Meet Your Policy’s Definition of Disability
Your long-term disability policy includes a definition of disability. You must submit evidence to prove you meet this definition. While medical records are usually your primary source of evidence, they should not be your only evidence.
Supplemental evidence is a critical component of your LTD claim. CCK utilizes a wide variety of supplemental evidence, including:
- Specialized reports from your treating physicians: Requesting a specialized report from your treating physicians can bolster your claim. A specialized report can highlight certain details that your medical records do not. Maintaining an open dialogue with your doctor is important so that they may fully and accurately describe your condition.
- Witness reports from family, friends, and coworkers: Often, the people who see how your condition affects you are your family, friends, and coworkers. Obtaining official witness statements from these individuals can strengthen your claim. Family and friends can attest to how your condition affects you at home. Coworkers can vouch for how your condition impairs you at work.
- Outside expert opinions: CCK works with several outside experts who can provide additional evaluations and opinions on your condition. These assessments supplement your medical records. These opinions can include functional capacity tests; neurophysiological assessments; and vocational evaluations.
CCK Alleviates the Stress of Filing for Long-Term Disability Benefits in Maryland
We believe you should not have to worry about filing for long-term disability benefits. Likewise, if your insurance company issues a denial of your claim, you should not worry about assembling your appeal.
It is stressful when you need benefits but must go through the claim and appeal process. At CCK, we want to alleviate this stress so that you may focus on what matters most: your health. Whether you live in Annapolis, Gaithersburg, or anywhere else in Maryland, a long-term disability insurance attorney from Chisholm Chisholm & Kilpatrick is ready to assist you.
Our dedicated team will evaluate your LTD policy, as these are often hard to understand. We will determine the most relevant evidence to collect based on your policy’s definition of disability. Your policy has a lot of vital information regarding your claim and/or appeal. We will ensure that you understand all these elements.
You may have an ERISA-governed policy if you receive your benefits through your employer. In such cases, you must be aware of the rules and regulations of this federal law. For example, you may not submit new evidence during litigation. An ERISA attorney from Chisholm Chisholm & Kilpatrick understands the obstacles ERISA law presents. We will track all ERISA deadlines and gather the strongest evidence to help prove your claim.
Additionally, if you receive a denial letter from your insurance company, CCK can help assemble your appeal. We will evaluate the denial letter, address any issues therein, write the appeal letter, and collect additional evidence to submit to your insurer. In short, we can help you at any step in the LTD process.
Contact Chisholm Chisholm & Kilpatrick for a Free Consultation
If you have a medical condition that is preventing you from working, you may need long-term disability benefits to protect your income. Additionally, if you filed for LTD benefits but your insurance company denied your claim, you have the right to file an appeal. Regardless of where in the process you are, a long-term disability lawyer serving Maryland from CCK is ready to help.
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 you.
Maryland Blog Posts
- How to Apply for Long-Term Disability (LTD) Benefits
Many employers offer long-term disability (LTD) coverage as a benefit to their employees. If you become unable to work due to a medical condition and you are covered under an employer-provided long-term disability plan, you should contact your human resources department to obtain a copy of your long-term disability plan’s governing documents so you can […]
- Surveillance Tactics in Long-Term Disability Claims
If you have filed for long-term disability (LTD) insurance due to a disabling medical condition, you may discover that approval of your claim rests on more than a submittal of documents. Often, insurance companies will enact surveillance tactics to ensure the validity of your claim. Yes, that means, in short, that insurance companies may spy […]
- Own Occupation vs. Any Occupation Long-Term Disability Insurance Policies
Your long-term disability (LTD) insurance policy will specify what definition of disability you need to meet in order to receive benefits. Many definitions of disability contain language specifying what occupation(s) you must be disabled from in order to meet the definition of disability. Most long-term disability policies will require that you be disabled from working […]