Long-Term Disability Lawyer Serving Travilah, MD
When you develop a debilitating medical condition that prevents you from working, it can be overwhelming. In such situations, long-term disability (LTD) benefits may be necessary. Yet obtaining these benefits is often difficult. A long-term disability lawyer serving Travilah, MD from Chisholm Chisholm & Kilpatrick is ready to help you.
Since the LTD process is often complex, simple mistakes are common. However, even simple mistakes may cost you your right to your benefits. Call CCK today at 800-544-9144 for a free consultation with a member of our team.
Consulting a Long-Term Disability Lawyer is Beneficial for Your Claim
The disability rate in Travilah, Maryland was 3.5 percent between 2016 and 2020. If you also have a disabling condition that prevents you from working, you must consider filing for long-term disability benefits. These benefits can protect a percentage of your pre-disability income. This allows you to continue medical treatment and manage your condition.
Some claimants decide to handle these claims on their own. However, even a simple mistake can lead to a denial of benefits. It is beneficial to consult with an experienced long-term disability lawyer about your case.
Our LTD attorneys have over three decades of collective experience. They can help you at any stage of the long-term disability process, from your initial claim through litigation in court. We believe you deserve these benefits that you are entitled to and should not have to worry about receiving them.
Our team can help you understand your LTD policy. There is a lot of vital information therein and understanding this information can help strengthen your claim. For example, there are strict filing deadlines located within your policy. If you miss one of these deadlines, it can have a detrimental impact on your claim. We can track these deadlines for you and ensure that your insurer receives everything on time.
Moreover, if you receive your LTD policy through your employer, then it is a “group policy.” ERISA—a federal law—governs group policies. This law brings its own set of strict regulations and deadlines of which you must be aware. An ERISA attorney from CCK will make sure that your claim is ERISA compliant to ensure a fair review of your claim.
CCK Utilizes Supplemental Evidence that Can Bolster Your Claim
Medical records are often your primary source of evidence. When you submit a claim or appeal for LTD benefits, you must prove that your condition disables you per the definition of disability within your policy.
Some claimants may need to submit supplemental evidence to reinforce their claim. CCK utilizes various forms of supplemental evidence to help bolster our clients’ claims. Supplemental evidence such as:
- Specialized reports from your treating physicians: Your doctor has unique insights into how your condition impairs you. Medical records do not always show the whole picture. A specialized report from your doctor can illustrate how far-reaching your condition is. Thus, it is important to maintain an open dialogue with your doctor throughout your treatment.
- Witness statements from family, friends, and coworkers: Often, others see how your condition impairs you. They witness you daily and can attest to your symptoms and ability to work. Family and friends can explain how your condition affects you at home, and coworkers can attest to how your condition prevents you from working.
- Outside experts’ opinions: Sometimes you must submit additional evaluations as part of your claim. Outside experts can provide these assessments, which constitute objective evidence for your claim. These assessments can include functional capacity, neuropsychological, and vocational evaluations.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies often prioritize their financial needs, which can lead to numerous claim denials. When you receive a denial, it may feel like an obstacle you cannot overcome. Yet you have the right to appeal your insurer’s decision.
CCK can help you deal with your insurance company. We can help you file your claim or appeal your insurer’s decision. We believe you should not have to stress about dealing with them when trying to obtain the benefits you need.
First, our team can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first. This alleviates the stress of dealing directly with the insurance company so that you can focus on what matters most: your well-being.
Moreover, if you receive a denial, we will review your insurer’s denial letter. We can submit a comprehensive appeal package on your behalf. This appeal package will directly address any issues the insurance company has with your initial claim. If necessary, we are prepared to fight your insurance company in court so that you may receive your LTD benefits.
Call CCK Today for a Free Consultation
If you are suffering from a debilitating medical condition or injury that is preventing you from working, you must consider filing for long-term disability benefits. However, this is not something you must do on your own. A long-term disability lawyer serving Travilah, Maryland from CCK is prepared to assist you wherever in the process you are. We have a proven track record of success and want to help.
Call CCK today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your claim and see if we can assist.
Travilah Blog Posts
- Long-Term Disability Requirements Explained
It is a stressful time for you and your family when you become disabled due to a medical condition or injury and cannot work. However, a long-term disability (LTD) insurance policy can protect a percentage of your pre-disability earnings. You may have this policy either through your employer (i.e., a group policy) or directly from […]
- What Is ERISA Litigation?
The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]
- What Happens to Long-Term Disability (LTD) Benefits If I Lose My Job?
Long-term disability (LTD) benefits are important for those who have a medical condition that prevents them from working. These benefits protect a percentage of a person’s income, usually between 60 and 80 percent of their pre-disability earnings. Yet what happens if they lose their job while receiving benefits? Generally, when you lose your job, it […]