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Long-Term Disability Lawyer Serving Concord, MA

When a doctor diagnoses you with a medical condition that impairs your ability to work, you may need to file for long-term disability (LTD) benefits.  However, the LTD process can be overwhelming, especially when you are trying to manage your condition.  The added stress of dealing with the insurance company only further complicates the situation.

Whether you are filing an initial claim or appealing a denial of benefits, you do not have to do it by yourself.  A long-term disability lawyer serving Concord, MA from Chisholm Chisholm & Kilpatrick may be able to assist you with your claim.  Call us today at 800-544-9144 for a free consultation with a member of our team to see how we can assist you.

Why is Contacting an Attorney Important for Your Concord LTD Claim?

The disability rate in Concord, MA between 2015 and 2019 was 4.4 percent for people aged 65 or younger.  Some claimants decide to handle their LTD claim alone.  While it is possible to handle a long-term disability claim by yourself, it is advantageous to contact an attorney to guide you through the process.  The long-term disability lawyers serving Concord, MA from Chisholm Chisholm & Kilpatrick have over three decades of experience working with insurance companies and know how they operate.

Insurance companies are supposed to handle every claim neutrally, but this does not always happen.  Oftentimes, insurance companies prioritize their own financial needs over the health needs of their clients.  This often leads to repeated requests for information and wrongful denials of benefits.  CCK works to ensure that the insurance company handles your case so that you may receive the benefits you deserve.

Additionally, if your LTD policy is from an employer-provided benefits program, then ERISA law governs it.  This is important because ERISA has strict deadlines and other regulations.  An ERISA attorney understands how to navigate the complexities of this federal law.  For example, under ERISA you may not submit new evidence after the appeal stage.  Therefore, you could not update your evidence were your claim to go to litigation.

The deadlines associated with ERISA are strict, and if you miss one it could result in a denial of your claim.  Our experienced legal team at CCK tracks all deadlines and submits all evidence and documentation on time, so you do not have to worry about it.

Our LTD Attorneys Will Demonstrate That You Meet the Definition of Disability

Medical records are the primary source of evidence that claimants submit to their insurance company.  However, medical records are usually not enough on their own to win a claim.

Every long-term disability policy has a definition of disability that a claimant must prove they meet in order to receive their benefits.  Supplemental evidence is often necessary to demonstrate that a claimant meets this definition.  CCK utilizes a variety of evidence, including:

  • Specialized reports from treating physicians: A specialized report from your treating physician highlights certain aspects of your condition that regular medical records cannot. These reports contain your doctor’s observations of your condition, which is why it is important to always have an open dialogue with them so that they can fully describe how it impacts you in your day-to-day life.
  • Witness statements from family, friends, and coworkers: Often, your family, friends, and coworkers see firsthand how your medical condition impairs you. Obtaining witness statements from them is a good way to supplement your medical records and bolster your claim.  Witness statements from family members and friends can attest to how your condition affects you in your private life, while your coworkers can vouch for how it affects you in the workplace.
  • Evaluations from outside experts: Sometimes it is necessary to supply your insurance company with additional medical evaluations pertaining to your condition. Objective, third-party experts conduct these evaluations to show how far-reaching your condition truly is.  These assessments can include functional capacity, neurophysiological, and vocational evaluations.

CCK Can Alleviate the Stress of Filing a Long-Term Disability Claim

At CCK, we believe that you should focus on your health instead of worrying about your LTD claim.  Whether you must visit Emerson Hospital or some other health facility, it is important to remain focused on what matters.  However, insurance companies are difficult to work with, but we want to alleviate the stress associated with dealing with them.  Having a dedicated long-term disability insurance attorney guide you through the process is invaluable.  Our legal team acts as a point of contact between you and your insurance company, which ensures that you do not have to directly deal with them at any point during the process.

Moreover, we will gather all necessary evidence; submit the evidence in a timely manner; keep track of all deadlines and regulations; and ensure that your insurance company handles your claim fairly.

Once the insurance company approves your claim and you begin receiving your benefits, we do not stop representing you.  Oftentimes, insurance companies continue to request updated documentation and evidence to maintain your coverage.  Insurance companies do not want to pay claims if they can, so they will look for anything to deny or terminate your benefits.  The long-term disability attorneys serving Concord, MA from Chisholm Chisholm & Kilpatrick will ensure that your insurance company continues to receive this updated information.

Contact Chisholm Chisholm & Kilpatrick Today for a Free Consultation

If you have a medical diagnosis that impacts your ability to work, you need to consider filing for long-term disability benefits.  The long-term disability lawyers serving Concord, MA from Chisholm Chisholm & Kilpatrick are here to assist you no matter where you are in the process.  Whether you are filing an initial claim or appealing a denial of benefits, we will fight for your right to receive benefits.

Call us today at 800-544-9144 for a free consultation with a member of our team and see how we may be able to help you.