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Long-Term Disability Lawyer Serving Walkersville, MD

If you develop a medical condition that makes it impossible to work, you must consider filing for long-term disability (LTD) benefits.  These benefits can protect a percentage of your pre-disability income, usually 60 to 80 percent.

However, obtaining these benefits is not always easy, so having a long-term disability lawyer to help is beneficial.  A long-term disability lawyer serving Walkersville, MD from Chisholm Chisholm & Kilpatrick is ready to assist you.

It can be difficult filing for such benefits when you must also manage your condition.  Luckily, this is not a process you must do alone.  Call CCK today at 800-544-9144 for a free consultation with a member of our team.

Contacting a Long-Term Disability Lawyer Can Help with Your Claim

Walkersville, Maryland had a disability rate of seven percent between 2016 and 2020.  This represents a significant amount for a town with over 6,000 people.  If you are facing the prospect of being unable to work due to a disability, you are not alone.  Many people face this reality and must file for long-term disability benefits.

Some claimants may decide to handle these claims on their own, but this is not always the best decision.  It is easy to make a mistake on an LTD claim.  Mistakes are common, but when you have a lawyer help with your claim, you can avoid them.

Consulting with a long-term disability lawyer is beneficial for your claim because they can ensure that you do not miss any filing deadlines.  If you miss a deadline, you could lose your rights to your benefits.  If you have your policy through your employer, you must also be cognizant of ERISA law.  Our attorneys are well-versed in this federal law and will ensure that your claim or appeal is compliant.

Moreover, an attorney can help you understand your LTD policy, which can be difficult to comprehend.  Among the most important pieces of information that these policies contain is a definition of disability.  A long-term disability insurance attorney can help you understand this definition.  To receive benefits, you must prove that your condition meets whatever definition is present within your specific policy.

CCK Can Gather and Submit Evidence on Your Behalf

Your policy includes either an “own occupation” or an “any occupation” definition of disability.  Regardless of which one your policy contains, you must submit evidence to your insurer to prove your condition falls under this definition.  Medical records are often your primary source of evidence.  However, some claimants may need to submit additional evidence to prove their claim.  CCK utilizes various forms of supplemental evidence, including:

  • Specialized reports from your treating physicians: Medical records often do not tell the whole story. Your doctor has unique insights into how exactly your condition impairs you.  Thus, it is vital to maintain an open dialogue with them about the progression of your condition.  Your doctor can write a specialized report detailing how you are disabled and why you require LTD benefits.
  • Witness statements from personal acquaintances: Other people see how your condition affects you. They can provide witness statements to attest to how far-reaching your condition is and how it disables you, both at home and at work.  Personal acquaintances – such as family members, friends, or coworkers – can provide such statements.
  • Opinions from outside experts: Insurance companies prefer objective evidence. Sometimes, you must submit additional evaluations to prove your disability.  CCK works with several outside experts who can provide you with objective evaluations for your claim, such as functional capacity tests, neuropsychological assessments, and vocational evaluations.

We Can Alleviate the Stress of Dealing with the Insurance Company

Dealing with the insurance company is not always easy.  Oftentimes, such companies prioritize their financial needs over all else.  This can result in denials of long-term disability claims.  In short, if an insurance company can ascertain a reason to deny your claim or appeal, they will.  The long-term disability attorneys serving Walkersville, MD understand these difficulties and want to help.

First, we can act as a point of contact between you and your insurer.  Insurance companies often send repeated requests for information, and these requests can become burdensome when you are trying to manage your condition.  We will ensure you do not have to worry about these requests.  All correspondence will pass through us first.  This will free up your time to focus on what matters most: your health.

We will track all deadlines, collect and submit all evidence on your behalf, and ensure that your claim receives a fair review.  If your insurer denies your claim, you have the right to appeal their decision.  CCK can also assist you with your appeal and help you submit a comprehensive appeal package to your insurance company.

Call Chisholm Chisholm & Kilpatrick Today

If you are suffering from a debilitating medical condition that is preventing you from working, you must consider filing for long-term disability benefits.  Moreover, if you have already filed your claim but received a denial, you have the right to an appeal.

CCK can help at any stage of the LTD process.  Our team serving Walkersville, Maryland has over thirty years of collective experience.  We know what the insurance companies look for and will fight for your benefits.  You do not need to do this alone.

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.