Long-Term Disability Lawyer Serving Canton, MA
When you develop a medical condition that inhibits your ability to work, you may need to file for long-term disability (LTD) benefits. This process can be complex and stressful. It can make managing your condition seem insuperable.
Regardless of whether you are filing an initial claim or are appealing a denial of your benefits, the long-term disability lawyers serving Canton, MA from Chisholm Chisholm & Kilpatrick may be able to assist you. Call us today at 800-544-9144 for a free consultation regarding your claim.
Why Is Contacting a LTD Lawyer Beneficial?
Between 2015 and 2019, the disability rate in Canton, MA was 5.2 percent for those aged 65 or younger. While many claimants decide to handle their claims alone, it is beneficial to contact a long-term disability attorney.
Communicating with insurance companies is difficult. They often prioritize their business needs over their clients’ health needs. Likewise, they do not want to pay claims if they can help it. Therefore, an LTD lawyer serving Canton, MA from Chisholm Chisholm & Kilpatrick will act as your point of contact with the insurance company. This ensures that you never have to deal directly with them.
Additionally, there are numerous deadlines and regulations to which you must adhere; these deadlines and regulations are vital to secure your long-term disability benefits. If you have a group policy through your employer, then it is ERISA governed.
ERISA law has its own strict deadlines. If you miss even one of these deadlines, it could result in the denial of your claim. Our team will collect and submit all necessary evidence on time. We want you to focus on your health and not worry about the particulars of your claim.
A long-term disability insurance attorney will thoroughly review your policy to determine the best evidence to gather to strengthen your claim. Your policy has a lot of important information, such as a definition of disability, information on deductible sources of income, the maximum benefit period, and more.
Long-Term Disability Attorneys Can Gather Evidence to Reinforce Your Claim
To receive LTD benefits, you must prove you meet the definition of disability located within your policy. Evidence is necessary to prove this definition. Generally, medical records will be your primary source of evidence. However, these records alone are usually insufficient to win a claim.
Our legal team at CCK will reinforce your claim by collecting supplemental evidence that proves your disability. We are proud to have worked on a wide range of cases, including claims for brain surgeons. The proof needed for a successful claim depends on the specifics of each case. Supplemental evidence that we collect can include:
- Specialized reports from treating physicians: Obtaining a specialized report from your treating physician can significantly strengthen your claim. Your doctor has insight into your condition and how it affects you daily, which ordinary medical records do not. A detailed specialized medical report is all the more important if you suffer from a rare condition like Meniere’s disease. It is important to have an open dialogue with your doctor from the beginning. This open dialogue will ensure that your doctor provides an accurate depiction of your condition.
- Witness statements from family members, friends, and coworkers: The people who see you every day have firsthand observations of your condition. If you experience chronic pain, testimonies from those who know you can serve as valuable evidence. Witness statements from family members and friends vouch for how your condition affects you in your private life. Witness statements from coworkers vouch for how your condition affects you in the workplace.
- Evaluations from outside experts: Outside experts can provide objective, third-party opinions on your condition. For example, if you were diagnosed with multiple sclerosis, an outside expert can conduct a functional capacity test or a neurophysiological assessment. Furthermore, a vocational expert can provide an evaluation on how your condition affects you in your specific job to secure benefits for multiple sclerosis.
CCK Lessens the Burden of Filing for Long-Term Disability Benefits in Canton
The process of filing for long-term disability benefits can be complex. Dealing with the insurance company can make the process seem impossible to overcome, even if you are dealing with common types of long-term disabilities. Moreover, when ERISA law governs your policy, you must make sure you gather all relevant proof of your disability because the appeal stage is the last time you may submit new evidence.
An ERISA attorney understands the complexities of the LTD claims process. Our legal team at CCK wants to lessen the burden of filing for long-term disability benefits. We will track all deadlines; collect all evidence; submit all documentation and evidence on time; act as a point of contact between you and your insurance company; handle all correspondence with your doctors; and, if necessary, litigate your case in court.
Additionally, once your insurance company approves your long-term disability benefits, Chisholm Chisholm & Kilpatrick can continue to represent you. Oftentimes, insurance companies continue to ask for updated documentation and evidence. We will ensure that they receive these items so that you may avoid a termination of your benefits.
Contact Chisholm Chisholm & Kilpatrick Today for a Free Consultation
When you have a medical condition that prevents you from working, you must consider filing for long-term disability benefits. These benefits will protect your income while allowing you the time you need to manage your condition.
Our dedicated long-term disability team serving Canton, MA is ready to help you regardless of where in the process you are. Call us today at 800-544-9144 for a free consultation to see how we may be able to assist you.
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