Long-Term Disability Lawyer Serving Rockville, MD
Developing a medical condition that prevents you from working can be stressful and overwhelming. In such situations, it may be necessary to file for long-term disability (LTD) benefits.
You may have an LTD policy through your employer, or you may have purchased a policy yourself. Either way, these benefits are meant to protect your income when you cannot work due to a disabling condition. Unfortunately, obtaining these benefits can be difficult.
However, this is not a process you must do alone. A long-term disability lawyer serving Rockville, Maryland from Chisholm Chisholm & Kilpatrick is ready to assist you. We can help you at any stage of the claim or appeal process. Call us today at 800-544-9144 for a free consultation.
Consulting a Long-Term Disability Lawyer is Beneficial for Your Claim
The disability rate in Rockville, MD between 2016 and 2020 was 4.6 percent. As such, filing for long-term disability benefits may be a necessity. However, this process is often complicated. While some claimants may decide to handle their claim on their own, consulting with a long-term disability lawyer can help you avoid common mistakes that can be detrimental.
Our team at CCK understands how difficult it is to file for LTD benefits while managing a debilitating condition. This is a stressful time, and we want to alleviate some of that stress. We want you to be able to first and foremost focus on getting better.
We can help you at any stage in the long-term disability process. Whether you are filing an initial claim or appealing your insurer’s decision, we have the experience necessary to assist. We can track all deadlines and ensure your insurer receives everything on time. Moreover, we can help determine the best evidence to gather to reinforce your claim.
Often, LTD policies are hard to understand. A long-term disability insurance attorney from CCK can help you understand the valuable information within your policy, including the definition of disability. This definition is crucial as you must prove your condition meets it to receive approval of your claim.
CCK Can Gather Evidence to Bolster Your Rockville LTD Claim
Medical records are often your primary source of evidence. However, some claimants may need to submit additional evidence to reinforce their claim. CCK utilizes several forms of supplemental evidence, such as:
- Specialized reports from treating physicians: Your medical records do not always tell the whole story. Your doctor has unique insights into how your condition specifically affects you. A specialized report from your treating physician can highlight certain debilitating aspects of your condition that your medical records do not.
- Witness reports from family, friends, and coworkers: Others often see how your condition affects you, both at work and at home. Thus, witness statements can bolster your claim by highlighting how far-reaching your condition truly is. Witness statements from family and friends can show how your condition affects you in your private life, while coworkers can attest to how your condition impairs you at work.
- Additional evaluations from outside experts: Sometimes you must submit additional evaluations to prove your claim. Outside experts can provide these objective evaluations. CCK works with several outside experts who can provide functional capacity tests, neuropsychological assessments, and vocational evaluations.
We Can Alleviate the Stress of Dealing with the Insurance Company
It is often stressful to deal with the insurance company. They deny many claims and often request additional information. You should not have to worry about dealing with your insurer when you are trying to manage your condition. CCK understands this and wants to help.
We can act as a point of contact between you and your insurer. Essentially, all correspondence must pass through us first. This frees up your time to focus on your health.
Additionally, your insurance company has strict deadlines by which you must file certain documents and evidence. If you miss these deadlines, it could result in a denial of your claim. CCK will ensure that your insurance company receives everything on time. We can collect these documents and all evidence and submit it on your behalf.
Moreover, our team is well-versed in ERISA law, which governs group LTD policies. An ERISA attorney from CCK can help ensure that your claim or appeal is compliant with this federal law. This will ensure a fair review of your claim.
Call Today for a Free Consultation
Managing your condition and filing for LTD benefits is stressful, but it is not something you must do by yourself. CCK has over three decades of collective experience dealing with insurance companies. We know how they operate and what they look for. We can help you from your initial claim all the way through litigation. A long-term disability lawyer serving Rockville, MD from CCK is ready to assist you.
Call us today at 800-544-9144 for a free consultation. We will evaluate your case and see if we can help.
Rockville Blog Posts
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7 Common Long-Term Disability Claim MistakesThe long-term disability (LTD) claim process is complex, and simple mistakes can be detrimental when filing a claim for LTD benefits. Insurance companies do not want to approve claims if they can help it, so a simple mistake can be enough for them to issue a denial. In this article, we will discuss seven of […]
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Health Insurance While on Long-Term DisabilityDealing with a long-term disability claim is stressful enough without also worrying about your health insurance coverage. If you have a group long-term disability policy and health insurance through your employer, it may be cause for concern. In this article, we hope to answer some of the questions you may have regarding your health insurance […]
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Long-Term Disability (LTD) After Age 65If you become disabled after age 65, but were not planning on retiring any time soon, you may be worried about your ability to receive long-term disability (LTD) benefits and protect some of your income. Although you can usually still receive long-term disability benefits if you become disabled after age 65, your age will likely […]