Long-Term Disability Lawyer Serving Hopkinton, MA
It can be overwhelming when you have to file a long-term disability (LTD) claim. This process becomes more challenging if your insurance company denies your claim and you have to file an appeal. Luckily, no matter where you are in the process, filing an LTD claim is not something you have to do alone.
A long-term disability lawyer serving Hopkinton, MA from Chisholm Chisholm & Kilpatrick may be able to assist you during this stressful time. Call us today at 800-544-9144 for a free consultation with a member of our team.
How Can a Long-Term Disability Attorney Serving Hopkinton Help Me with My Claim?
In Hopkinton, MA the disability rate between 2015 and 2019 for those under 65 was 3.5 percent. While many claimants handle their LTD claims on their own, it is beneficial to have an attorney help with the process. A long-term disability attorney understands all the aspects of filing and navigating a disability claim.
The lawyers serving Hopkinton, MA from Chisholm Chisholm & Kilpatrick have over thirty years of experience dealing with insurance companies and know how they operate. Our team believes that you should not have to worry about dealing with your insurance company. We believe you should focus on managing your health. While our lawyers have worked with clients from all walks of life, we have been handling an increased number of cases from workers in the healthcare industry, including claims for psychiatrists. We are honored to help people in need rebuild their lives.
Our lawyers have experience with ERISA law, which governs group policies. You may have a group policy through your employment benefits. An ERISA attorney understands the complexities associated with an ERISA-governed policies, which include strict deadlines and the inability to submit new evidence after the appeal stage. Our team will ensure that your claim complies with all ERISA regulations.
Gathering the right information is important for a long-term disability claim. Your insurance policy has a definition of disability that you must prove in order to receive your benefits. We will evaluate your policy and determine the best evidence to gather to bolster your claim and ensure that the insurance company approves it.
CCK Will Gather the Best Evidence for Your LTD Claim
Medical records are often the primary source of evidence proving you meet your policy’s definition of disability. However, medical records are rarely sufficient by themselves to win a claim. Instead, it is often best to submit supplemental evidence that demonstrates how you are entitled to the benefits for which you are filing. This is especially true if you are filing for benefits for PTSD or other mental health conditions. Supplemental evidence can include:
- Specialized reports from treating physicians: Medical records do not always fully illustrate how a condition negatively impacts you. A specialized report from your treating physician can illuminate how far-reaching your condition is. For example, if you were diagnosed with hypertension, specialized reports can shed more light on any underlying medical conditions that are exacerbated by it.
Whether you visit the Hopkinton Primary Care facilities or elsewhere, your physician can provide additional insights into how your condition affects you and why you need benefits for hypertension. It is important to have an open discussion with your treating physician so that they know the true extent of your condition. - Statements from family, friends, and coworkers: Oftentimes, the people who see firsthand how your medical condition prevents you from functioning are the people you see each day. Obtaining witness statements from family members, friends, and coworkers can significantly strengthen your long-term disability claim. Medical events like strokes are traumatic events for the entire family. Your loved ones and coworkers can detail how the event changed you and also how it has impacted those around you. Witness testimonies can increase your chances of recovering benefits after suffering a stroke. Official witness statements from family members and friends attest to how your condition impacts you in your private life, and official witness statements from coworkers attest to how your condition impacts you at work.
- Evaluations from outside experts: It is possible that your insurance company requires even more than the above-mentioned evidence. CCK works with a multitude of experts who can supply objective, third-party evidence for your claim. For example, if you were diagnosed with an autoimmune disorder, medical experts can investigate the condition’s impact on your daily activities. Their reports can help you build a strong claim for benefits for autoimmune disorders. Having opinions from outside experts is a vital component of any LTD claim. These opinions help show that you meet your policy’s definition of disability. These experts can conduct functional capacity, neuropsychological, and vocational evaluations.
CCK Alleviates the Stress of Dealing with the Insurance Company
Insurance companies prioritize their own financial interests rather than the health needs of their clients. As a result, they try and avoid paying claims whenever possible. This often leads to wrongful denials of benefits or repeated requests for additional evidence. This added stress is unnecessary and can distract you from what is most important: your health.
Chisholm Chisholm & Kilpatrick’s long-term disability insurance attorneys serving Hopkinton, MA understand this and want to alleviate this stress. Our legal team acts as a point of contact between you and the insurance company, so you never have to deal directly with them.
We will handle the completion of all claim forms and gather all evidence required by your insurance company. We will ensure that no deadlines are missed, as ERISA has strict deadlines that when missed can result in a denial of your claim. Likewise, if you need appeal a denial of benefits, we will assemble an in-depth and comprehensive appeal with evidence and updated information.
The long-term disability lawyers at CCK will handle all communication with the insurance company, including after they approve your claim. Oftentimes, insurance companies continue to ask for updated evidence and documentation. We ensure that they receive this updated information so that you can continue to receive your benefits. We want to make this process as worry-free as possible so that you can focus on your well-being.
Call Us Today for a Free Consultation
When a debilitating medical condition makes it impossible for you to work, you need to consider filing a long-term disability claim. However, insurance companies do not make it easy. Whether you are filing an initial claim or appealing a denial, our legal team can take the burden off your shoulders. Our experienced team of long-term disability lawyers serving Hopkinton, MA from Chisholm Chisholm & Kilpatrick can assist you no matter where you are in the process.
You are entitled to your LTD benefits, and we are prepared to fight for them. Call us today for a free consultation with a member of our team at 800-544-9144.
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