Long-Term Disability Lawyer Serving Acton, MA
If you develop a medical condition that prevents you from working, you may need to file a long-term disability (LTD) claim. The LTD process can be stressful, especially when you are trying to manage your health. Moreover, if the insurance company denies your claim or terminates your already-approved benefits, it can become overwhelming.
Regardless of where you are in the process, you do not have to handle it on your own. A long-term disability lawyer serving Acton, MA from Chisholm Chisholm & Kilpatrick may be able to assist you with your claim. Call us today at 800-544-9144 for a free consultation with a member of our team.
Why is Contacting an Attorney Regarding Your LTD Claim Important?
While some claimants decide to handle their long-term disability claims on their own, it is beneficial to have an attorney guide you through the process. The long-term disability attorneys at Chisholm Chisholm & Kilpatrick have over thirty years of experience working with insurance companies and know how they operate.
Insurance companies are supposed to handle each case neutrally, but this often does not happen. Instead, insurance companies usually prioritize their own business needs over the health needs of their clients. This leads to wrongful denials of benefits and other complications.
We work to ensure that your insurance company handles your claim fairly. We know the types of evidence you need to submit to prove your disability, and we help you meet all deadlines associated with your claim. This is especially important if you have a group policy, as these LTD claims are governed by ERISA law. Under ERISA, the appeal stage is your last chance to submit new evidence.
Moreover, the deadlines associated with long-term disability claims are often strict, especially under ERISA. An ERISA attorney understands the importance of meeting these deadlines – if you miss just one, it could lead to a denial of benefits. Chisholm Chisholm & Kilpatrick will make sure you do not miss any deadlines so you can focus on managing your health.
Our Attorneys Will Demonstrate That You Are Entitled to LTD Benefits
To receive long-term disability benefits, you must prove that you meet your policy’s definition of disability. Our legal team will review your policy and determine the best evidence needed to strengthen and prove your claim.
Medical records are often a primary source of evidence; however, these records are usually not enough to win a claim. Chisholm Chisholm & Kilpatrick uses a wide variety of supplemental evidence that demonstrates your entitlement to LTD benefits. Additional evidence may include:
- Specialized reports from treating physicians: Obtaining a specialized report from your treating physician strengthens your claim. These reports contain details that are not found in ordinary medical reports. For example, your doctor can describe in detail how your condition prevents you from working and how it impacts your daily life. Some doctors may be hesitant to provide such reports, but CCK knows how to explain the importance of them.
- Witness statements from family, friends, and coworkers: Often, your family, friends, coworkers see how your medical condition affects your life. Therefore, obtaining witness statements from them is a great way to bolster your claim. Witness statements from your family and friends can attest to how your condition affects you at home, while witness statements from your coworkers can attest to how your condition impacts your work.
- Evaluations from outside experts: To demonstrate that you meet the definition of disability, it is sometimes necessary to provide additional evaluations. Chisholm Chisholm & Kilpatrick works with numerous third-party experts who can conduct various assessments and evaluations for your claim. These can include functional capacity tests, neuropsychological evaluations, and vocational assessments.
CCK Wants to Alleviate the Stress of Filing an LTD Claim
At CCK, we believe that the most important thing is that you should focus on is managing your health. Insurance companies are not easy to work with, which is why we act as your point of contact with them. This ensures that you do not have to deal directly with them at any point during the process.
Once the insurance company approves your claim and you begin to receive your monthly benefits, we continue to represent you. Oftentimes, insurance companies continue to ask for updated documentation and evidence of your condition. Failing to provide this updated information may result in a termination of benefits. Our legal team ensures that your insurance company receives this information in a timely manner so that you can retain your LTD benefits.
Contact Us Today for Your Free Consultation
If you have a medical condition that is impacting your ability to work, the long-term disability attorneys serving Acton, MA at Chisholm Chisholm & Kilpatrick want to help you. We understand how exhausting this process is, and we want you to focus on your health instead of dealing with your insurance company. We are equipped to gather the right evidence and fight for your LTD benefits.
Call us today for a free consultation at 800-544-9144 to see how we may be able to help.
Acton Blog Posts
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Can ERISA Lawyers Deal with My Insurance Company for Me?A common question claimants have when filing for long-term disability (LTD) benefits is whether an ERISA lawyer can deal with their insurance company for them. This question arises because of the difficulties many claimants face when dealing with their insurers, such as repeated requests for information. In short, yes, ERISA lawyers can deal with your […]
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