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Long-Term Disability Lawyer Serving Bedford, MA

It is a stressful situation when you develop a medical condition that prevents you from working.  The process of filing a long-term disability (LTD) claim can make it overwhelming, especially if the insurance company denies your claim or terminates your benefits.  Regardless of where in the process you are, you do not have to do it by yourself.

A long-term disability attorney serving Bedford, MA from Chisholm Chisholm & Kilpatrick can help you through this process.  Call us today at 800-544-9144 for a free consultation with a member of our team.

Why is Contacting a Lawyer for Your LTD Claim Beneficial?

Many claimants decide to handle their long-term disability cases on their own; however, having an attorney help navigate you through the process can be beneficial.  Insurance companies rarely put their clients’ health needs above their own business needs.  This makes dealing with insurance companies stressful, but a long-term disability lawyer will know how to handle it.  The attorneys at Chisholm Chisholm & Kilpatrick have over thirty years of experience dealing with insurance companies and know how they operate.

Our legal team works to make sure that the insurance company handles your case fairly.  Moreover, we know the best evidence to gather and submit to prove your claim.  This is especially important if you have a group policy governed by ERISA, which stipulates that you cannot submit new evidence after the appeal stage.  An ERISA attorney will know the best evidence to have at the beginning of the process so that you do not lose the opportunity to present it.

Additionally, there are multiple deadlines by which you must submit evidence and documentation.  Unfortunately, if you miss even one of these deadlines it could lead to your insurance company denying you benefits.  The long-term disability team serving Bedford, MA from Chisholm Chisholm & Kilpatrick can help you keep track of all deadlines, submit everything on time, and ensure that you do not have to worry about anything so that you can focus on managing your health.

Our Attorneys Can Gather the Right Evidence to Prove You Are Entitled to Long-Term Disability Benefits

You must demonstrate that you meet the definition of disability as defined in your long-term disability policy.  Our attorneys will analyze your policy to determine what evidence you need to prove you meet this definition.

While medical records are typically a primary source of evidence, they are rarely sufficient by themselves.  Often, you will need supplemental evidence to bolster your claim for LTD benefits.  Chisholm Chisholm & Kilpatrick can help you procure several types of supplemental evidence, including:

  • Specialized reports from your treating physician: Obtaining a specialized report from your treating physician can supplement ordinary medical records. Your physician can explain how your symptoms specifically impact your ability to work, which medical records often cannot do.  Some physicians may be hesitant to supply these reports, but a long-term disability lawyer knows how to explain the importance of such a document so that they do.
  • Witness statements from family members, friends, and coworkers: People in your life see firsthand how your condition affects you and keeps you from working. Witness statements can help bolster your claim.  Your family and friends can attest to how your condition impacts your daily life, and your coworkers can attest to how your condition prevents you from working.
  • Additional evaluations conducted by outside experts: Sometimes additional evaluations are necessary to prove your claim, even with all the evidence above. CCK works with many outside experts who can supply these evaluations, which will help strengthen your claim.  These can include functional capacity, neuropsychological, and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle each LTD claim neutrally and fairly.  However, this does not always happen.  If an insurance company can avoid paying claims, they will.  This leads to a difficult process that may result in a wrongful denial of benefits.

Even after they approve your benefits, they may continue to ask for updated documentation and evidence.  The long-term disability attorneys serving Bedford, MA from Chisholm Chisholm & Kilpatrick want to alleviate this stress.  We are ready to handle your LTD claim and ensure that you do not lose your benefits.

We will gather the correct forms, the right evidence, and submit everything – all while acting as your point of contact with the insurance company.  This ensures that you do not have to directly deal with the insurance company.  Moreover, once the insurance company approves your claim, we will continue to represent you and be your point of contact should they ever ask for updated documentation.

Call CCK Today for a Free Consultation Regarding Your LTD Claim

If you suffer from a medical condition that is impacting your ability to work, you may need to file a long-term disability claim.  However, it is important that you focus on your health and well-being.  Therefore, contacting a long-term disability insurance lawyer is beneficial.

Our team at Chisholm Chisholm & Kilpatrick serving Bedford, MA wants to assist you no matter where in the process you are.  Whether you are filing an initial claim or appealing a denial of your benefits, we may be able to help.  Call us today at 800-544-9144 to schedule a free consultation with a member of our team.