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Long-Term Disability Lawyer Serving Potomac, MD

If you develop a medical condition that prevents you from working, it can be disheartening and stressful.  In such situations, you may worry about receiving medical care while maintaining your income.

You may need to file for long-term disability (LTD) benefits.  These benefits can protect a percentage of your pre-disability income.  However, obtaining such benefits can be difficult.

A long-term disability lawyer serving Potomac, MD from Chisholm Chisholm & Kilpatrick is ready to assist you wherever you are in the LTD process.  Call us today at 800-544-9144 for a free consultation.

Contacting a Long-Term Disability Lawyer is Beneficial for Your Claim

Some claimants may decide to handle their long-term disability claims on their own.  However, this is not always the best option.  Oftentimes, these claims are complex and difficult to navigate.  Since the disability rate in Potomac, MD between 2016 and 2020 was 4.7 percent, it is a real possibility to require such benefits.

LTD policies are often hard to understand.  Yet these policies contain a lot of essential information that you must understand when filing for benefits.  Information such as exclusions, limitations, filing deadlines, a definition of disability, and more.  If you do not understand your policy’s contents it could lead to common mistakes that can result in a loss of benefits.

A long-term disability insurance attorney can help you make sense of your policy.  CCK has over three decades of collected experience.  We can help you avoid common mistakes claimants often make and give you the best chance of receiving an approval of your claim or appeal.

Moreover, if you receive your long-term disability policy through your employer, then you must be aware of ERISA.  ERISA is a federal law that governs such policies and has its own strict deadlines and regulations.  An ERISA attorney serving Potomac, MD from CCK can help you navigate this complex law.

CCK Can Collect Evidence to Strengthen Your Claim

You must prove that your condition meets your policy’s definition of disability.  Often, medical records are your primary source of evidence.  However, some claimants may find that they must submit supplemental evidence to reinforce their claim.

CCK utilizes various forms of supplemental evidence.  We can collect this evidence and submit it on your behalf.  Supplemental evidence can include:

  • Specialized reports from treating physicians: Your medical records do not always tell the whole story about your condition and how it impacts your daily living or your ability to work. Your treating physician, however, can write a specialized report that illustrates unique aspects of your condition and how it impairs you.
  • Witness statements from personal acquaintances: Others see how your condition affects you. Obtaining official witness statements from family, friends, and coworkers can strengthen your claim.  Family and friends can attest to how your condition affects you at home while coworkers can vouch for how your condition disables you at work.
  • Additional evaluations from outside experts: Sometimes you must submit additional objective evidence to your insurer. Such objective evidence can come from outside experts who can conduct functional capacity tests, neuropsychological assessments, and vocation evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every claim fairly.  However, this is not always the reality.  Often, they prioritize their financial needs.  This often results in many claims receiving denials.

Moreover, such companies also often repeatedly ask for more information and look for reasons to deny claims.  This can all be overwhelming, especially if they issue your initial claim with a denial.

You should not have to stress over filing for the benefits to which you are entitled.  Therefore, CCK works to alleviate the stress of dealing with the insurance company.  For example, we can act as a point of contact – all correspondence must pass through us first.  This frees your time to focus on what matters most: your health.

There are several strict filing deadlines.  If you miss one of these deadlines, the insurance company can use it against your claim.  CCK will ensure that these deadlines are met.  We will submit everything on your behalf.

However, sometimes initial claims get denied.  This can be demoralizing.  Yet you have the right to appeal.  We can help you appeal your claim’s denial.  We will evaluate your insurer’s denial letter, address any specific issues they had, and submit a comprehensive appeal package to help win your benefits.  This is not something you must do alone.

Contact Us Today for a Free Consultation

If you are suffering from a medical condition that is preventing you from working, you must consider filing for long-term disability benefits.  The long-term disability attorneys serving Potomac, Maryland from CCK are ready to assist you.

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 help.