Long-Term Disability Lawyer Serving Andover, MA
When you develop a medical condition that impairs your ability to work, you must consider filing for long-term disability (LTD) benefits. These benefits can help protect a percentage of your income when you are unable to work due to your debilitating condition. However, filing for such benefits can be both challenging and overwhelming, especially when dealing with your insurance company.
A long-term disability lawyer serving Andover, MA from Chisholm Chisholm & Kilpatrick understands these difficulties and wants to help you wherever you are in the claim or appeal process. Call us at 800-544-9144 today for a free consultation with a member of our team.
How a Long-Term Disability Lawyer Can Help with Your Claim
It is possible to handle these claims on your own, but it is beneficial to have a long-term disability lawyer help you. At Chisholm Chisholm & Kilpatrick, we believe you should not worry about the difficulties that come with filing for long-term disability benefits, such as filling out the claimant forms, gathering relevant evidence, and dealing with the insurance company. Instead, we believe you should focus on what is most important: your health.
A long-term disability lawyer serving Andover, MA can help you with your claim. The disability rate between 2016 and 2020 in Andover, MA was 6.4 percent. Filing for benefits is often necessary, and many people rely on them when they cannot work. CCK can ease the burden them comes with this process. We can review your LTD policy, ascertain your policy’s definition of disability, and determine the best evidence to gather to prove your claim.
Moreover, if you have a group policy through your employer, then you must be aware of ERISA. ERISA is a federal law that governs such policies, and it comes with its own deadlines and strict rules. For example, the appeal stage is the last time you may submit new evidence. An ERISA attorney understands the complexities of this law. CCK can track all ERISA deadlines and adhere to all its regulations to ensure a fair review of your claim or appeal.
CCK Can Gather Evidence to Help Prove Your LTD Claim
You must submit evidence as part of your claim or appeal. This evidence is to prove to your insurer that your condition meets the definition of disability within your policy. Medical records are ordinarily your primary source of evidence. In some cases, these records may be enough, but some claimants need to submit supplemental evidence to reinforce their claim.
CCK utilizes a variety of supplemental evidence. We can gather this evidence and submit it to your insurance company on your behalf. Supplemental evidence may include:
- Specialized reports from your treating physician: Requesting a specialized report from your treating physician can bolster your claim. These statements can highlight specific aspects of your condition that your regular medical records do not. It is important to maintain an open dialogue with your doctor so that they may fully describe how impairing your condition is.
- Witness statements from personal acquaintances: Often, family and friends have seen how your condition affects you. Obtaining official witness statements from them can illustrate how your condition affects you at home. Additionally, similar statements from coworkers can show how your condition also affects you in the workplace.
- Evaluations from outside experts: CCK works with several outside experts who can provide objective, third-party evidence for your claim. Moreover, these experts can perform additional medical and vocational evaluations. For example, an outside expert can provide functional capacity tests and neuropsychological assessments for your claim or appeal.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim fairly, but this is not always the reality. Unfortunately, such companies often prioritize their bottom line rather than the needs of their clients. This can result in denials of benefits.
Chisholm Chisholm & Kilpatrick works to ensure that your insurance company handles your claim fairly. Our team of long-term disability insurance attorneys have over 30 years of collected experience dealing with insurance companies. We know how they operate. As such, we know how to hold them accountable.
Chisholm Chisholm & Kilpatrick can alleviate the stress of dealing with the insurance company by acting as a point of contact between you and them. In short, we will handle all correspondence and have all communication from your insurer go through us first.
Additionally, if your insurance company issues your initial claim a denial, we can handle your appeal. We will evaluate your denial letter; ascertain the specific issues your insurer had with your claim; address these issues directly in your appeal; gather any necessary evidence; and submit everything on your behalf.
Call CCK Today for a Free Consultation
If you suffer from a debilitating medical condition that prevents you from working, then you must consider filing for long-term disability benefits. LTD benefits are often necessary in such situations but obtaining them can be stressful. At CCK, we believe you should not stress about your benefits. We want to help you wherever you are in the process.
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 you.
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