Long-Term Disability Lawyer Serving Dedham, MA
Filing a claim for long-term disability (LTD) benefits can be a formidable task. The elevated stress that comes with filing for such benefits can make managing your health seem impossible.
Whether you are filing an initial claim or appealing a denial, the long-term disability lawyers serving Dedham, MA from Chisholm Chisholm & Kilpatrick may be able to assist you. Call us today at 800-544-9144 for a free consultation regarding your LTD claim.
Why is Contacting an LTD Attorney Important?
Between 2015 and 2019, the disability rate in Dedham was 6.5 percent for those aged 65 and younger. While many claimants decide to handle their long-term disability claims on their own, it is beneficial to contact an attorney. For example, it can be difficult to communicate with insurance companies. They do not want to pay claims if they can help it. Insurance companies often put their own business needs above the health needs of their clients.
A long-term disability lawyer serving Dedham, MA from Chisholm Chisholm & Kilpatrick will serve as a point of contact between you and your insurance company. This ensures you never have to deal directly with them.
Additionally, there are a multitude of deadlines and regulations that you must meet to avoid a denial of your benefits. We will submit all evidence and documentation on time to avoid any missteps.
Our team will thoroughly review your LTD policy. CCK uses the information in your long-term disability policy to determine the best evidence to gather to strengthen your claim. There is a lot of valuable information located within your policy, including the definition of disability. The definition of disability is important because it is what you must prove you meet to receive your benefits.
Moreover, if your LTD benefits are part of a group policy that your work provides, then ERISA law governs it. This is important because ERISA has many strict deadlines that when missed can result in a denial of your claim. An ERISA attorney understands this law and how it impacts your claim and will know how to avoid such denials. Additionally, ERISA law stipulates that you may not present any new evidence after the appeal stage. Therefore, we will track all deadlines and submit all evidence efficiently.
Long-Term Disability Attorneys Can Gather Evidence to Strengthen Your Claim
Medical records are your primary source of evidence for an LTD claim, but these records alone are rarely sufficient, even if you have one of the most common types of long-term disabilities. Therefore, submitting supplemental evidence is vital to strengthen your claim. Documentation of visits to medical facilities, such as SMG Dedham Primary Care, is good evidence to obtain. A long-term disability attorney understands the importance of such evidence. CCK gathers a variety of evidence to bolster your claim, such as:
- Specialized reports from treating physicians: Obtaining a specialized report from your treating physician can significantly bolster your claim. For example, if you were diagnosed with Alzheimer’s disease, medical documents issued by an expert in the field can strengthen your case. These reports highlight how your condition impacts you day to day in ways that an ordinary medical report cannot. These details can also clarify the severity of your symptoms and why they warrant an approval of your claim.
- Witness statements from family, friends, and coworkers: The people who see you each day have insights into how exactly your condition is preventing you from performing the duties of your job. Witness statements from your family and friends attests to how your chronic pain and other symptoms affect you at home, while your coworkers can attest to how your condition affects you at work.
- Evaluations from outside experts: Outside experts can conduct additional evaluations of your condition. These third-party evaluations are objective evidence that can strengthen your claim. CCK works with a variety of outside experts who can perform functional capacity tests, neurophysiological assessments, and vocational evaluations.
CCK Alleviates the Stress of Filing for Long-Term Disability Benefits in Dedham, MA
The long-term disability insurance attorneys at CCK want to make the process of filing for LTD benefits as stress free as possible. We understand the burden that comes from such a process, and we believe you should be focusing on your health instead of worrying about your claim. Therefore, we do everything we can to alleviate the stress of filing for LTD benefits.
A Dedham attorney from CCK can help navigate you through the process. We will make sure you avoid common claim mistakes that could lead to a wrongful denial of benefits. Moreover, we track all deadlines to ensure that your insurance company receives everything in a timely manner.
Oftentimes, insurance companies continue to request updated evidence and documentation after they have approved your claim. If you miss even just one of these requests, it could result in a termination of your coverage. The legal team at Chisholm Chisholm & Kilpatrick will track these requests and submit the requested materials promptly so that you may retain your benefits.
Insurance companies use a wide range of tactics to offer claimants as little as possible, including long-term disability offsets. Many insurance policies have provisions allowing agents to deduct set amounts from the benefits you received. However, our dedicated lawyers will fight to protect your rights throughout the filing process and beyond.
Contact CCK Today for a Free Consultation Regarding Your Claim
If you have a medical condition preventing you from working, you should consider filing for long-term disability benefits. Chisholm Chisholm & Kilpatrick can help you whether you are filing an initial claim or appealing a denial of benefits. Our experienced long-term disability lawyers serving Dedham, MA are ready to fight for your right to your LTD benefits.
Call us today at 800-544-9144 for a free consultation regarding your claim.
Dedham Blog Posts
- Why ERISA Was Enacted And How It Should Benefit You Today
The Employee Retirement Income Security Act of 1974, or ERISA, was enacted to protect employer-provided pensions and retirement funds against abuse or mismanagement by employers. ERISA also applies to health and welfare benefit plans and employer-sponsored group plans, unless the employer is a church or government organization. Why Was ERISA Enacted? In the decades leading […]
- Independent Medical Exams (IME) for Long-Term Disability Claims
If you are receiving long-term disability (LTD) benefits, the insurance company will periodically review your claim to determine if you continue to meet the applicable definition of disability. Often, this will involve obtaining your medical records and forms from your doctors to be reviewed by a nurse or doctor who works for the insurance company. […]
- Litigation and Long-Term Disability Insurance
Filing a long-term disability (LTD) claim is complex and overwhelming for many claimants. While all claimants hope their insurance company approves their initial claim, this is not always the case. When the insurance company denies an initial claim, the claimant has the right to appeal; but what happens when the appeal is denied, too? The […]