Long-Term Disability Lawyer Serving Carlisle, MA
You may find yourself with a health condition that impairs you enough that you are unable to work. This can be a challenging and upsetting life change, but fortunately you may be able to apply for long-term disability (LTD) benefits. These benefits will cover a percentage of your income. Unfortunately, filing a claim or appealing a denial can be difficult. The experienced attorneys at Chisholm Chisholm & Kilpatrick serving Carlisle, MA can help you with your case.
Wherever you are in the process of filing for long-term disability insurance, the legal team at CCK is ready to fight for your claim. If you would like a free consultation to discuss your case, you can call us at 800-544-9144.
Chisholm Chisholm & Kilpatrick Can Help You with Your Long-Term Disability Claim
For your long-term disability claim to be approved, you will need to meet your policy’s definition of disability. This definition will define the terms you must meet for your condition to warrant benefits. Finding the evidence you need to meet this definition may be difficult, especially if your insurance company has very particular demands, but the attorneys serving Carlisle, MA will be able to help you find the best evidence to support your claim.
Claiming long-term disability after age 65 can be overwhelming. Your age may impact how the insurance company handles your request. However, working with a lawyer can significantly increase your chances of success.
Our attorneys will comb your policy to gain an understanding of how best to satisfy its requirements. While you can do this on your own, it can be beneficial to seek the help of an attorney, as they are experienced in the best practices that will get your claim approved. We know that insurance companies do not always act in the interest of the claimant and may seek to instead satisfy their own business needs. This can make it difficult for your claim to be approved. Our lawyers will act as an intermediary between you and your insurance company to ensure that your claim is being treated fairly.
If your plan is governed by ERISA, your policy may be subject to strict requirements and deadlines. You will want to ensure that you get all evidence in during the initial claim or appeal stage, as under ERSIA you will not be allowed to introduce any more evidence if your claim is taken to court. Missing a deadline can also be detrimental to your claim and may result in a denial. CCK will keep track of deadlines and work to make sure that the best evidence is submitted during the claim process. We will ensure that wherever you are in the process of filing or appealing for long-term disability benefits, nothing is left unattended.
Our Lawyers Gather the Evidence That Will Prove Your Long-Term Disability Claim
Oftentimes, your health records alone will not be strong enough to prove your claim. Additional forms of evidence may be needed, and the long-term disability team serving Carlisle has experience working with claimants to gather strong additional types of evidence. We will help collect convincing evidence both for physical illnesses and mental conditions like Alzheimer’s disease. Such forms of evidence may include:
- Treating physician reports: A report from your physician can help your claim by bolstering your medical records. Often, your medical records may not provide a detailed look into how your condition disables you. For example, if you have been diagnosed with lymphoma, the medical reports issued by your physician can help you claim benefits for lymphoma. If you have an honest and open relationship with your physician about your condition, they can report on certain symptoms and aspects of your illness that may be particularly disabling to you. This can act as great supporting evidence to your claim.
- Testimony from personal acquaintances: Reports from people you know in your personal life can demonstrate how your condition affects you in your daily life. These people have likely seen the ways your condition impairs you and can attest to your condition’s disabling effects. Coworkers can confirm how your condition affects you at work, while friends or family may be able to speak on the ways your condition impacts you in your personal life. Testimonies from your loved ones and coworkers are especially valuable for proving subjective and personal experiences, like pain and suffering. If you are experiencing chronic pain, witness statements can help convey how your condition impacts your life and the lives of those around you.
- Outside opinions from medical and vocational experts: The attorneys at CCK work with a variety of experts in various fields that may be able to provide additional evaluations of your health and occupation. For example, if you were diagnosed with tendonitis after an injury, medical experts can determine how the physical limitations caused by the condition hinder your job. Medical documents can support your claim of benefits for tendonitis. These evaluations can back up your medical records by demonstrating different ways your condition impacts you as well as how it affects your ability to do specific job duties. Additional evaluations may include functional capacity, neuropsychological, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Will Handle the Burden of Your Claim
No matter where you are in the process of filing for long-term disability benefits or appealing a denial, the legal team at CCK is ready to handle your case. Our long-term disability lawyers have over 33 years of collective experience working to prove long-term disability cases.
Our lawyers are prepared to handle all communications between you and your insurance company, as well as your doctor and any additional medical or vocational experts. We will assist you in getting the best evidence for your claim and ensure that it is all submitted according to your insurance company’s requirements. If you are handling an appeal, we know it is essential to fix any errors in your claim and will ensure that your appeal is submitted correctly and on time.
After your claim is approved and you begin to receive benefits, insurance companies may still request further information and documentation over time. Our legal team can continue offering you assistance so that you can be assured that your claim is never in danger of termination. We know being unable to work due to your disability can be burdensome. We want to make this process as stress-free as possible so you can focus on your health.
Contact Us Today for a Free Consultation
If you find yourself disabled due to a medical condition and unable to work, the CCK lawyers serving Carlisle, MA want to help you with your claim. Our experienced attorneys are prepared to prove that your condition warrants benefits and will assist you in collecting the strongest evidence to satisfy your policy.
CCK wants you to be able to focus on your health while we take care of your claim. For a free consultation with a member of our team, you can contact us online or call us at 800-544-9144.
Carlisle Blog Posts
- How Does Long-Term Disability Work With Social Security Disability?
Insurance companies typically aim to pay less out of their own pocket whenever possible. As a result, most Long-Term Disability (LTD) policies will require you to apply for Social Security Disability Insurance (SSDI) benefits and, if you are approved for SSDI benefits, the insurance company will then look to offset your long-term disability benefits with […]
- Surveillance Tactics in Long-Term Disability Claims
If you have filed for long-term disability (LTD) insurance due to a disabling medical condition, you may discover that approval of your claim rests on more than a submittal of documents. Often, insurance companies will enact surveillance tactics to ensure the validity of your claim. Yes, that means, in short, that insurance companies may spy […]
- Long-Term Disability (LTD) Claims for Traveling Sales Consultants
Occupations that involve frequent traveling can be both mentally and physically demanding, so a disability can greatly impact your ability to complete your job. As such, it is a prospect that traveling sales consultants do not want to experience. Managing your health should be your topmost priority, so when you must file a disability claim, […]