Long-Term Disability Lawyer Serving Poolesville, MD
When you suffer from a medical condition or injury that prevents you from working, you must consider filing for long-term disability (LTD) benefits. You may receive these benefits privately or through your employer’s benefits package. Either way, these benefits can protect a percentage—usually 60 to 80 percent—of your pre-disability earnings. However, the process of securing these benefits can be overwhelming.
The long-term disability claim process is often complex. This causes it to be time-consuming, which can make managing your condition difficult.
A long-term disability lawyer serving Poolesville, Maryland from Chisholm Chisholm & Kilpatrick is ready to assist you with your claim. We understand the complexities that come with filing a claim or appeal with the insurance company and want to help. Call us today at 800-544-9144 for a free consultation.
Contacting a Long-Term Disability Attorney Can Help Your Claim
The disability rate between 2016 and 2020 in Poolesville, Maryland was 5.7 percent. In a town with a population of 5,748, this represents around 330 people currently suffering from a condition that is preventing them from carrying out the material duties of their job. As such, having long-term disability insurance is vital. Filing a claim for LTD benefits may be necessary, but it is not something that you must do alone.
Some claimants may decide they want to handle their LTD claim on their own. However, there are several common mistakes that they may commit without the aid of an experienced long-term disability attorney.
CCK knows how to avoid these mistakes. Our team can help alleviate the stress of filing for benefits by helping you understand your policy. Your policy contains a lot of information that is crucial for your claim, such as a definition of disability. We will help you understand what your policy covers.
Furthermore, if you receive your LTD policy through your employer, then ERISA governs your benefits. You must remain cognizant of ERISA deadlines and regulations, which can be confusing. An ERISA attorney from CCK can help you. Our team is well-versed in ERISA law and can ensure that your claim is compliant. We will track all deadlines and confirm that strong, relevant evidence is on file.
CCK Can Collect and Submit Evidence on Your Behalf
Medical evidence is often your primary source of evidence. Evidence is necessary to submit to your insurance company to demonstrate how your condition qualifies for LTD benefits. However, some claimants may need to procure and submit supplemental proof to reinforce their claim. CCK utilizes a variety of supplemental evidence to help claimants receive benefits. Our team can collect this evidence and submit it on your behalf. Such evidence may include:
- Specialized reports from treating physicians: Medical records often do not tell the entire story. Your doctor, however, has unique insights into how your condition affects you daily. Maintaining an open dialogue with your doctors and regularly attending appointments can help them fully and accurately highlight specific details of your condition in a specialized report.
- Witness statements from family, friends, and coworkers: Other people may see how your condition affects you. Personal acquaintances can vouch for how your condition impairs you. Thus, obtaining official witness statements can add credibility to your claim and show the insurance company how far-reaching your condition is. These statements can show how your condition affects you at home and in the workplace.
- Additional evaluations by outside experts: Outside experts can provide objective, third-party evidence for your claim. They can perform additional evaluations, such as functional capacity tests, and neuropsychological and vocational assessments.
CCK Can Lessen the Burden of Dealing with the Insurance Company
Insurance companies can be difficult to deal with. Often, they repeatedly contact claimants asking for more information. These repeated calls for information can add stress to an already-stressful situation. Moreover, it can make dealing with your condition more overwhelming. A long-term disability insurance attorney can help. Our team can act as a point of contact between you and them so that all requests for information must pass through us first.
Our team at Chisholm Chisholm & Kilpatrick has over three decades of collective experience dealing with insurance companies. We know how they operate. Such companies usually prioritize their financial needs and, therefore, issue many denials. They should handle every case neutrally, but this does not always happen. CCK will ensure that your insurance company gives your claim a fair review, and we will hold them accountable.
Additionally, if your initial claim receives a denial from the insurance company, you have the right to appeal. CCK is prepared to help. We can review your denial letter and address any specific issues mentioned therein. Moreover, we will ensure that the insurance company receives your appeal before the filing deadline. If necessary, our ERISA litigation lawyers are prepared to fight for your benefits in court.
Call CCK Today for a Free Evaluation
If you are suffering from a debilitating medical condition, you must consider filing for long-term disability benefits. A long-term disability lawyer serving Poolesville, MD is ready to assist you regardless of where in the process you are. In short, we can help you with your initial claim, your appeal, or, if necessary, litigating in court. We want you to obtain your benefits so that you may protect your income and focus 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 determine if we can help.
Poolesville Blog Posts
- Effective Communication and Long-Term Disability Claims
Long-term disability insurance can be purchased by individuals or can be received through your employer. If you lose income due to a covered disability, long-term disability insurance will replace all or some of your income and may provide other benefits. Why Is It Important to Have Open Dialogue With My Doctor About My Disability? When […]
- Tips for Completing Your Long-Term Disability Claim and Update Forms
Types of Long-term Disability Forms Insurers Typically Require When first applying for long-term disability benefits, initial claim forms are usually sent in a packet by the insurance company. These packets generally contain three types of forms: the claimant statement, the attending physician statement, and the employer statement. The Claimant Statement The claimant statement is your […]
- Long-Term Disability Waiting Period: What to Expect
If you become unable to work and file a Long-Term Disability (LTD) claim, the insurance company does not immediately start paying benefits. In order to qualify for Long-Term Disability (LTD) benefits, you typically must meet the definition of disability for 90 – 180 days before the insurance company will begin paying benefits. This is typically […]