Long-Term Disability Lawyer Serving Cambridge, MA
If you have a medical condition that prevents you from working, you may be able to file for long-term disability insurance. The process may be overwhelming, especially if you are managing your health that the same time, but the lawyers at Chisholm Chisholm & Kilpatrick are ready to assist you. Whether you are filing an initial claim or appealing a denial of benefits, we have the experience to help you get the benefits to which you are entitled.
A long-term disability lawyer serving Cambridge, MA from Chisholm Chisholm & Kilpatrick LTD can help you navigate the disability claims process. Call today for a free consultation with a member of our team at 800-544-9144.
Reasons You Should Contact an Attorney for your Long-Term Disability Claim
There are advantages to seeking an attorney for your long-term disability claim. While claimants are able to handle their cases alone, the CCK attorneys serving Cambridge, MA have over three decades of collective experiencing helping claimants win the benefits they deserve. We will evaluate your policy and determine what evidence you need to prove your health condition is a disability that entitles you to benefits.
We know that insurance companies do not always work in the interest of claimants and may instead prioritize their own business needs. We can act as a mediator between you and your insurance company to make sure that they are treating your claim fairly, and we can assist you if they are not.
Our attorneys have experience in handling ERISA law, which governs most group plans. ERISA may impose strict deadlines on your claim and can limit your window of being able to submit new evidence. You may not be able to submit evidence beyond the appeal stage, meaning if your case goes to court, you will no longer be able to submit anything new, even if there have been developments in your condition. We can ensure everything is completed in a timely manner and that no details are missed in your claim. We want to handle burden of your claim for you so that you can concentrate on managing your medical condition.
CCK Attorneys Will Help You Collect Evidence for Your Long-Term Disability Claim
To receive long-term disability benefits, you must prove that your condition meets your policy’s definition of disability. Our attorneys will evaluate your policy and other plan-governing documents to determine the evidence that will best prove your disability.
Medical records are typically the primary source of evidence in a long-term disability claim. However, medical records alone are often not enough to satisfy your policy. Chisholm Chisholm & Kilpatrick uses an assortment of evidence to prove your claim, which may include:
- Reports from your treating physician: A report from your physician may be able to provide insight about how your condition disables you. Your medical records may not detail the way your symptoms affect you, and a note from your physician can be a strong way to back up the information in your medical records. It is important to make sure that your doctor is aware of the ways your symptoms impacts you so that they can note the ways your condition affects your day-to-day functioning.
- Impact statements from friends, family, and coworkers: It is likely that acquaintances and people close to you have seen the way that your condition has impacted your everyday life. Friends, family, and coworkers may be able to provide statements that describe how they have seen you struggle with your disability, inside and outside of work. Such evidence can be a strong aid to your claim.
- Evidence from experts: CCK works with a variety of experts who may be able to provide additional evaluations to demonstrate how your condition is a disability. Medical experts may be able to provide evaluations such as functional capacity or neuropsychological exams. A vocational expert can evaluate your ability to perform your occupation with the limitations of your disability.
Suffering from a long-term disability can change your career path forever. Professionals who have spent a long time training for their current jobs might find work limitations more difficult to accept. We have worked closely with medical professionals, like anesthesiologists, to help protect their future.
Our compassionate team of lawyers can guide you through claims for anesthesiologists and other professions.
What Conditions Qualify for Long-Term Disability Benefits?
Many believe that long-term disability benefits are reserved for accident victims who can no longer work due to their injuries. However, this type of insurance is more inclusive than that, as many medical and mental health conditions may also qualify for benefits.
Receiving a hypertension diagnosis may be disheartening, yet if the condition is kept under control, it might not cause significant life changes. However, if hypertension, or other underlying medical conditions, prevent you from working, you may have grounds for a valid long-term disability claim. Our attorneys can help you receive benefits for hypertension.
A leukemia diagnosis can be devastating news. However, benefits for leukemia can offer the financial help you need for a better future. The team of lawyers at Chisholm Chisholm & Kilpatrick LTD can fight the insurance company on your behalf, allowing you to focus on your health and well-being.
Insomnia is a relatively common medical condition that affects the quality of your sleep. Long-term sleep deprivation caused by insomnia can impact your physical and mental health. If you are unable to perform your job up to standards due to inadequate sleep, our long-term benefits lawyers can help you receive benefits for insomnia.
Post-Traumatic Stress Disorder (PTSD)
PTSD is a serious mental condition that often appears in people who witnessed or experienced traumatic events. People with a severe form of the condition may have great difficulty with social interaction and holding down a job. If you were diagnosed with PTSD and can prove how disruptive the symptoms you experience are, you may be able to access benefits for PTSD.
The Team at Chisholm Chisholm & Kilpatrick Takes the Burden of Your Claim Off of You
The legal team at CCK is ready to assist you with your long-term disability claim. We understand that it can be difficult to face the diagnosis of a disabling condition, and the stress of filing a long-term disability claim alongside the burden of your health can be overwhelming. We are prepared to gather information, communicate with your insurance company and doctors, and ensure that all documentation is submitted in a timely manner on your behalf.
If you are filing an appeal for a denial or termination of benefits, we are equipped to help you fight for those benefits. We can evaluate your denial letter and help you strengthen your claim with additional evidence. If you believe your benefits were denied or terminated unfairly, we are prepared to handle that with your insurance company.
Even once your claim is submitted and approved, your insurance company may require periodic updates on your condition. We can continue to represent you and ensure that updates from your doctor are submitted on time. We want you to be able to able to rest and take care of your condition without worrying about the long-term disability process. You should be focusing on your health while we handle your claim.
For a Free Case Evaluation of Your Long-Term Disability Case, Call Chisholm Chisholm & Kilpatrick
If you are suffering from a disabling medical condition and are unable to work, you may qualify for long-term disability benefits. The long-term disability attorneys serving Cambridge, MA at Chisholm Chisholm & Kilpatrick are ready to help you with your claim. You can contact Chisholm Chisholm & Kilpatrick today for a free case evaluation with a member of our team at 800-544-9144.
Cambridge Blog Posts
- Will Severance Affect My Long-Term Disability Benefits?
Long-Term Disability (LTD) benefits can protect a person’s income when they are unable to work due to a debilitating medical condition. Often, an employer’s benefits package includes LTD coverage. Such policies are known as “group policies,” which are governed by the federal law known as ERISA. These benefits are necessary for many people, but what […]
- Long-Term Disability (LTD) Claims for Dentists
Dentistry is a demanding profession, so developing a disabling condition could prevent you from working. According to the Social Security Association (SSA), one in four dentists will have to file for disability benefits before they retire. Filing for long-term disability benefits as a dentist can be a daunting task. It is overwhelming to face a […]
- Long-Term Disability (LTD) Claims for Bank Tellers
Bank tellers who develop debilitating medical conditions that prevent them from working may be eligible for long-term disability (LTD) benefits. Bank tellers handle a lot of sensitive information concerning customers’ finances. As such, they must be careful and attentive with their work. A medical condition that affects their cognitive abilities could have far-reaching ramifications. Moreover, […]