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Long-Term Disability Lawyer Serving Lincoln, MA

If you are suffering from a medical condition that prohibits you from working at your job, you may need to file for long-term disability (LTD) benefits.  This process is often stressful and overwhelming and it becomes more stressful when your insurance company denies your claim.

Regardless of whether you are filing an initial claim or appealing a denial of benefits, you do not have to do it on your own.  A long-term disability lawyer serving Lincoln, MA from Chisholm Chisholm & Kilpatrick can assist you through the entire process.  Call us today at 800-544-9144 for a free consultation with a member of our team.

Why Should You Contact an Attorney Regarding Your LTD Claim?

While many claimants handle their claims by themselves, there are benefits to contacting a long-term disability attorney.  There are many complexities in filing an LTD claim, and an attorney will understand how to navigate them efficiently.

The LTD lawyers at Chisholm Chisholm & Kilpatrick have over three decades of experience dealing with insurance companies and, therefore, know how they operate.  We will thoroughly evaluate your insurance policy.  Your policy contains invaluable information concerning your claim, including a definition of disability you must meet to receive your benefits.

Our legal team also understands the kind of evidence insurance companies are looking for, and we will submit all evidence and documentation on time.  ERISA-governed long-term disability claims have strict deadlines and missing one could result in a denial of your claim.  An ERISA attorney serving Lincoln, MA from Chisholm Chisholm & Kilpatrick will track these deadlines on your behalf.

We Will Gather the Best Evidence to Prove Your Lincoln LTD Claim

Medical records are the most common form of evidence required by insurance companies.  However, medical records alone are usually not enough to win a claim.  It is often best to submit supplemental evidence as part of your claim or appeal.

The long-term disability insurance attorneys at CCK utilize a variety of supplemental evidence to strengthen your claim and get you the benefits you deserve.  This supplemental evidence can include:

  • Reports from treating physicians: Medical records do not always fully document your condition in a way that illustrates how it impacts your day-to-day activities, including your ability to work. Specialized reports from your treating physician offer insights into your condition that regular medical records cannot.  It is important to maintain an open dialogue with your physician so that they know the true extent of your condition.
  • Witness statements from family, friends, and coworkers: Obtaining witness statements from those who see firsthand how your condition prevents you from daily functioning are important to bolster your claim. Witness statements from family and friends vouch for how your condition affects you in your private life.  Witness statements from coworkers vouch for how your condition affects you at the workplace.
  • Opinions from outside experts: Sometimes insurances companies require additional evidence beyond the above-mentioned supplemental documentation. CCK works with a variety of objective third-party experts that can supply this evidence.  Outside opinions, which can include functional capacity tests, neuropsychological assessments, and vocational evaluations, can strengthen your claim.

CCK Takes the Burden of Dealing with the Insurance Company Off Your Shoulders

Insurance companies should handle each long-term disability claim fairly, but this does not always happen.  Insurance companies are often driven by their own financial needs.  Moreover, they often prioritize their business needs over the health needs of their clients.  This can lead to wrongful denials of benefits or repeated requests for additional evidence.  This added stress is unnecessary, and the long-term insurance attorneys at CCK understand this.

With over three decades of experience, our legal team knows how to handle insurance companies to avoid missteps and denials of benefits.  We act as a point of contact between you and your insurance company so that you do not need to deal with them directly.  This ensures that you can focus on your health, which may include traveling to the Beth Israel Deaconess Healthcare facilities in nearby Waltham.  Moreover, we ensure that your insurance company receives all documentation and evidence in a timely manner.

When you decide to file an initial long-term disability claim, you do not want to worry about all the forms and evidence.  Our team is equipped to handle the completion and delivery of all these items.  Likewise, if you are appealing a denial of your benefits, our attorneys will obtain and analyze the insurance company’s claim file, gather the proper evidence, and write an in-depth and comprehensive appeal explaining why you are entitled to your LTD benefits.

We will not stop representing you when the insurance company approves your claim.  In Lincoln, MA the disability rate between 2015 and 2019 for those under 65 was 3.5 percent, so we know it is important for you to retain your benefits.  Oftentimes, insurance companies continue to require updated documentation and evidence to maintain your claim.  We will ensure that your insurance company continually receives this updated information so that you will not lose your long-term disability benefits.

Call CCK Today for a Free Consultation Concerning Your LTD Claim

If you are suffering from a debilitating medical condition that is preventing you from working, you should be focusing on your health.  If you need to file for a long-term disability claim or appeal a denial of your benefits, we can help.

The long-term disability lawyers serving Lincoln, MA from Chisholm Chisholm & Kilpatrick can help prove you are disabled under the terms of your LTD policy.  Moreover, if your insurance company wrongfully denies your appeal, we are prepared to fight for your long-term disability benefits in court.  Call us today at 800-544-9144 for a free consultation with a member of our team.