Long-Term Disability Lawyer Serving Mount Airy, MD
When you develop a disabling medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings when you cannot work due to a disability or injury.
However, obtaining these benefits is not always a straightforward process. A long-term disability lawyer serving Mount Airy, MD from Chisholm Chisholm & Kilpatrick may be able to assist you.
Whether you are filing an initial claim, appealing a denial of your benefits, or litigating for your benefits in court, we can help. CCK has the experience necessary to fight for your benefits and ensure you can focus on what matters most: your health. Call us today at 800-544-9144 for a free consultation.
A Long-Term Disability Lawyer Can Help with Your Claim
Mount Airy, Maryland’s disability rate between 2016 and 2020 was 6.6 percent. As such, the likelihood of needing to file for long-term disability benefits is a real possibility for many. While some claimants may decide to handle these claims on their own, it can be difficult. Luckily, this is not something you must do on your own.
The long-term disability attorneys at CCK have over 30 years of collective experience and can help you at any stage in the LTD process. For example, your long-term disability policy includes a lot of vital information for your claim but can be difficult to understand. Our LTD lawyers can review your policy and help you understand this information.
There are important filing deadlines of which you must be aware. These deadlines are vital when filing an initial claim or appealing a denial. If you miss these deadlines, it can adversely impact your ability to receive benefits. CCK understands the importance of these deadlines and can submit all documentation and evidence on your behalf.
Moreover, if you receive your policy through your employer, then you must be aware of ERISA. An ERISA attorney from CCK can help ensure that your claim is compliant with this federal law, which can present certain obstacles to the LTD process.
CCK Collects Evidence that can Strengthen Your Claim
Medical records are often your primary source of evidence. To receive benefits, you must prove your condition meets your policy’s definition of disability, but medical records are sometimes not enough.
CCK utilizes various forms of supplemental evidence that can strengthen your claim. We can determine and collect this evidence for you and submit it on your behalf. Supplemental evidence can include:
- Specialized reports from your treating physicians: Your doctor has unique insights into how your condition specifically affects you. Medical records often do not tell the whole story, so these reports can bolster your claim. Such reports can illustrate how impairing your condition is and why it necessitates LTD benefits.
- Witness statements from personal acquaintances: Personal acquaintances, such as friends, coworkers, and family members, often see how your condition impacts you. They can provide written testimonies that demonstrate how your disability affects you both at home and in the workplace.
- Additional evaluations from outside experts: CCK works with several outside experts who can provide additional medical and vocational evaluations for your claim. These additional assessments (e.g., functional capacity tests) provide your insurer with objective, third-party evidence that can reinforce your claim.
We Can Alleviate the Stress of Dealing with the Insurance Company
Dealing with the insurance company can be stressful. Often, they repeatedly ask for more information, sometimes even after you have received your LTD benefits. In any case, this can make the process overwhelming for many.
Insurance companies should handle every case fairly, but this is not always the reality. The long-term disability attorneys at Chisholm Chisholm & Kilpatrick understand this and want to help. We hold insurance companies accountable.
We can alleviate the stress that comes with dealing with the insurance company. First, we can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first. This frees up your time to focus on your health.
Additionally, if your insurer denies your claim, you have the right to appeal. CCK is prepared to help you. Our LTD lawyers will review the insurance company’s reasons for issuing the denial; address these issues directly with updated documentation and/or any new, necessary evidence; and submit a comprehensive appeal package to your insurer.
Call Today for a Free Consultation
When you cannot work due to a disabling condition or injury, it can be overwhelming. Moreover, managing your condition requires routine medical appointments, so protecting your income is vital. CCK is prepared to assist you when you must file (or appeal) for long-term disability benefits.
The long-term disability lawyers serving Mount Airy, Maryland from Chisholm Chisholm & Kilpatrick understand these difficulties and want to help you obtain the benefits you deserve. 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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