Long-Term Disability Lawyer Serving Chestnut Hill, MA

When you develop a medical condition that necessitates filing for long-term disability (LTD) benefits, it may seem impossible to overcome.  The process can be complex and there is added stress when you must deal with your insurance company.  This added stress can make managing your condition very difficult.

Whether you are filing an initial claim or appealing a denial or termination of benefits, a long-term disability lawyer serving Chestnut Hill, MA from Chisholm Chisholm & Kilpatrick may be able to assist you.  Call us today at 800-544-9144 for a free consultation concerning your LTD claim.

Why is Contacting a Long-Term Disability Lawyer Important?

Chestnut Hill is located predominately within the city of Newton, MA and the town of Brookline, MA.  The disability rate between 2015 and 2019 in Newton, MA was 4.5 percent while the disability rate during the same time in Brookline, MA was 3.4 percent.

While many claimants may decide to handle their LTD claim alone, it is beneficial to contact a long-term disability attorney to help with the process.

There are a multitude of deadlines and regulations to which claimants must adhere, especially if their policy is governed by ERISA law.  Group policies governed by ERISA Law are usually provided as part of an employer-sponsored benefits program.

ERISA law presents its strict own rules and deadlines.  An ERISA attorney understands the complexities of ERISA law and can help you avoid common mistakes when filing for LTD benefits.

If your initial claim was denied, then the appeal stage is the last time you may submit new and/or updated evidence under ERISA law.  A long-term disability insurance attorney from CCK will ensure that all the best evidence is gathered to prove your claim.  To do this, our team will thoroughly examine your LTD policy.

Your long-term disability policy includes a lot of valuable information.  Perhaps the most important information it contains is a definition of disability.  The definition of disability located within your policy is important because it is what you must prove to show that you are disabled.

The LTD Lawyers at CCK Can Gather Evidence to Strengthen Your Claim

To prove you are disabled, you must provide evidence as part of your claim.  Medical records are often your primary source of evidence.  These records, however, are rarely enough by themselves to win a claim.  Often, you must submit supplemental evidence to reinforce your claim.

CCK utilizes a wide variety of evidence to strengthen your claim.  This supplemental evidence can include:

• Specialized reports from treating physicians: Medical records often do not tell the whole story of your condition. When you have an open dialogue with your treating physicians, they can offer insights about your condition that medical records cannot.  Your treating physicians can explain in detail how your condition affects you.  While some physicians may be hesitant to provide these specialized reports, CCK can help you obtain them.
• Witness statements from family, friends, and coworkers: The people who see you each day also have insights into your condition. Obtaining official witness statements from such people can have a significant impact on your claim.  Witness statements from family and friends can show how your condition affects you at home while statements from coworkers can illustrate how your condition affects you in the workplace.
• Outside expert opinions: CCK works with a variety of outside experts who may conduct additional evaluations on your condition. These evaluations are objective, third-party evidence that can strengthen a claim.  These outside experts may perform functional capacity tests; neurophysiological assessments; and vocational evaluations.

Conditions that Qualify for Long-Term Disability Benefits

Long-term disability benefits include a wide range of physical and mental conditions. If you are unable to work due to a medical condition, our lawyers can help you file a claim with your insurance company. Some of the most common types of long-term disabilities include asthma, hypertension, and various types of sleep disorders.

Asthma

If you are one of the 25 million Americans diagnosed with asthma, you may be able to receive long-term disability benefits for asthma. The condition ranges in severity, and so those with a more severe form of asthma can struggle with daily activities. 

While seeking benefits can be complicated, the attorneys at Chisholm Chisholm & Kilpatrick LTD can guide you through the claims process.

Hypertension

Commonly known as high blood pressure, hypertension is a common medical condition. In some cases, hypertension can lead to other complications, like heart disease and stroke.

If hypertension or any of its associated medical conditions is preventing you from living the life you want to live, our lawyers can help you get benefits for hypertension.

Insomnia

If you have difficulty sleeping or if you often wake up tired, you may have insomnia. This is the most common sleep disorder, and it can be brought on by underlying conditions which are often psychological in nature. Our team of lawyers can help establish if you qualify for benefits for insomnia.

Sleep Apnea

If getting a good night’s sleep seems like an impossible task, you may be suffering from sleep apnea. This condition affects how a person breathes while sleeping and, if left untreated, it can affect your physical and emotional health. However, benefits for sleep apnea can help cover the costs of treatment.

CCK Alleviates the Stress of Dealing with the Insurance Company

Insurance companies are difficult to deal with, especially when it comes to filing for long-term disability benefits.  Oftentimes, insurance companies prioritize their financial needs over the health needs of their clients, resulting in wrongful denials of claims.  Insurance companies do not want to pay claimants if they can prevent it.

The long-term disability attorneys at CCK have over three decades of collective experience dealing with insurance companies and know how they operate.  CCK will act as a point of contact between you and your insurance company.  This ensures that you never have to deal directly with them.  We will handle all correspondence, including requests for additional evidence.

Once your insurance company approves your claim, they often continue to contact you.  It is common for an insurance company to continuously request updated evidence even while you are receiving your benefits.  This can lead to the termination of your benefits.

The long-term disability lawyers at Chisholm Chisholm & Kilpatrick can continue to represent you after an approval of benefits.  We will continue to ensure that your insurance company receives all requested information on time so that you may retain your hard-won LTD benefits.

Call CCK Today for a Free Consultation Regarding Your Claim

If you are suffering from a debilitating condition that is inhibiting your ability to work, you must consider filing for long-term disability benefits.

It does not matter where in the process you are – our legal team can help you with your initial claim, your appeal, or litigation.  A long-term disability lawyer serving Chestnut Hill, MA from Chisholm Chisholm & Kilpatrick may be able to assist you.  Call us today at 800-544-9144 for a free consultation with a member of our team.