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Long-Term Disability Lawyer Serving Franklin, MA

When your doctor diagnoses you with a condition that prevents you from working, you may need to need to file a long-term disability (LTD) claim with your insurance company.  This process can be overwhelming, especially when you are trying to manage your health at the same time.  Your health should be your top priority but filing a claim can take up a lot of time and energy to complete.

Regardless of whether you are filing an initial claim or appealing a denial of your benefits, the long-term disability lawyers serving Franklin, MA from Chisholm Chisholm & Kilpatrick may be able to assist you.  You can call us today at 800-544-9144 for a free consultation with a member of our team to see how we can help.

Why It Is Beneficial to Contact a LTD Attorney for Your Claim

Many claimants decide to handle their LTD claims on their own.  However, it is very beneficial to have a long-term disability lawyer assist you throughout the process.  Insurance companies are difficult to correspond with and oftentimes put their own financial needs above the health needs of their clients.  This can lead to wrongful denials of claims and other frustrating complications.

The legal team serving Franklin, MA from Chisholm Chisholm & Kilpatrick have over three decades of collective experience dealing with insurance companies.  We know how they operate and how to communicate with them effectively.  Moreover, we will serve as a point of contact so that you never have to directly deal with them.

Our team will thoroughly review your long-term disability policy and evaluate its definition of “disability” that you must prove you meet to receive your benefits.  We will use this information to determine the best evidence to gather to support your claim.

The LTD process has many strict deadlines, especially if you have a group policy provided by your employer.  ERISA law governs group policies and has its own set of stringent rules and strict deadlines.  If you miss even just one deadline it could result in a denial (or termination) of your benefits.  Our legal team tracks all deadlines and adheres to all ERISA regulations so that you may receive, or retain, your benefits.

Our LTD Lawyers Serving Franklin Will Gather the Best Evidence Your Case

Medical records are often your primary form of evidence for your long-term disability claim, but these records are rarely sufficient by themselves.  Therefore, it is important to gather supplemental evidence that will strengthen your claim and show why you need the benefits for which you are filing.  CCK’s LTD insurance attorneys utilize various forms of supplemental evidence, such as:

  • Specialized reports from your treating physician: Obtaining a specialized report from your treating physician can significantly bolster your claim. Your doctor has insights that a normal medical report does not.  This specialized report can highlight aspects of your condition that prevent you from working.  It is important to maintain an open dialogue with your doctor so that they may know fully how your condition impairs you.
  • Witness statements from family, friends, and coworkers: Often, the people who see you each day have insights into how your condition affects you—both at home and at work. Hence, witness statements from family, friends, and coworkers can show how impactful your condition truly is.  Witness statements from family members and friends can attest to how your condition affects you at home.  Witness statements from coworkers can vouch for how your condition affects you at work.
  • Evaluations from outside experts: Obtaining third-party, objective medical evidence can be a vital component of your LTD claim. Outside experts can conduct additional evaluations that your normal doctor cannot ordinarily do.  CCK works with a variety of outside experts that can conduct functional capacity, neuropsychological, and vocational evaluations.

CCK Will Alleviate the Burden of the Long-Term Disability Process

Our team wants to make the process of filing for long-term disability benefits as stress free as possible.  We believe that your primary focus should be on managing your health not worrying about the insurance company, disability evidence, or strict deadlines.  Therefore, we handle all these elements so that you may focus on your well-being.

It is beneficial to have an ERISA attorney guide you through the process if you have a group policy.  ERISA law is complex and, at times, frustrating.  You do not want to lose your benefits because of a slight misstep.  Our LTD lawyers serving Franklin, MA will ensure that these missteps do not occur.  We will handle all correspondence and all transactions efficiently.

Even when your insurance company approves your long-term disability claim, we do not stop representing you.  Generally, insurance companies continue to ask for updated documentation and evidence while you are receiving disability benefits.  This can be frustrating and can lead to the wrongful termination of your benefits.  We will ensure that this does not happen by continuing our role as your point of contact.  We will continue to send your insurance company updated information on time, so you do not have to worry about it.

Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation

If you have a debilitating health condition or injury that is preventing you from working, it may be necessary to file a long-term disability claim with your insurance company.  Chisholm Chisholm & Kilpatrick may be able to help you.  We can guide you through this complex process.  Whether you are filing an initial claim or appealing a denial of benefits, we have the experience to get you the benefits you deserve.

Our long-term disability lawyers serving Franklin, MA are here to assist you so you can focus on your health.  Call us today at 800-544-9144 for a free consultation with a member of our team.