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Long-Term Disability Lawyer Serving Massachusetts

When a person develops a medical condition that inhibits their ability to work, they must consider filing for long-term disability (LTD) benefits.  The LTD claim process is often complex, and having an experienced lawyer is beneficial.  Losing the ability to work and dealing with the insurance company is overwhelming for many.

Regardless of whether you are filing an initial claim or a handling an appeal, it is not a process you must do alone.  An experienced long-term disability lawyer serving Massachusetts from Chisholm Chisholm & Kilpatrick can 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 may be able to assist you.

Contacting a Lawyer is Beneficial for Your Massachusetts LTD Claim

Many people in the Commonwealth of Massachusetts suffer from a disability.  Between 2016 and 2020, the disability rate in Massachusetts was 7.9 percent among those aged 65 or younger.  This represents many of the roughly 7 million people who live within the commonwealth.

Moreover, according to the CDC, the average healthcare cost for those with disabilities was around $22,017 per person in 2017.  This is a significant amount, especially for those faced with the possibility of losing their income.  Long-term disability benefits can protect this income, allowing disabled persons to receive the care and treatment they require.

It is possible to handle an LTD claim on your own, but it is not always the best option.  Contacting a long-term disability lawyer is beneficial for your Massachusetts claim or appeal.  Insurance companies should handle claims neutrally, but this does not always happen.  The experienced LTD attorneys at CCK understand this and work to ensure that insurers handle claims fairly.

Additionally, if you have a group policy that your employer provides, then ERISA law governs it.  ERISA brings its own strict deadlines and rules.  A single missed deadline could be reason enough to receive a denial of your claim.  A long-term disability attorney tracks these deadlines and ensures your insurance company receives all evidence and documentation on time.

Our LTD Attorneys Will Gather Evidence to Prove You Meet Your Definition of Disability

Medical records are your primary source of evidence.  However, these records should not be the only evidence you submit with your claim.  Every long-term disability policy has a definition of disability.  To receive benefits, you must prove your disability meets your policy’s specific definition.

Supplemental evidence is often necessary to demonstrate your disability under this definition.  CCK utilizes a variety of evidence to reinforce your claim.  We will review your policy thoroughly, determine the best evidence to submit, and gather this evidence for you.  This supplemental evidence may include:

  • Specialized reports from treating physicians: Ordinary medical records often do not tell the entire story of your condition. A specialized report from your treating physician can highlight specific aspects of your condition.  These reports can illustrate how far-reaching and debilitating your condition is.  It is important to maintain an open communication with your doctors so that they may create a detailed report.
  • Witness statements from family, friends, and coworkers: Often, your family, friends, and coworkers see firsthand how your condition affects you. Witness statements from your family and friends can show how your condition impairs you at home and in your private life.  Witness statements from your coworkers can show how your condition impacts your ability to work.
  • Evaluations from outside experts: Supplying your insurance company with additional medical and vocational evaluations can help bolster your claim. Objective, third-party experts can conduct these evaluations, which can include functional capacity, neurophysiological, and vocational assessments.

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

At CCK, we believe that you should not have to worry about filing a claim for long-term disability benefits.  Whether you live in Boston, Worcester, Springfield, or in another city or town in Massachusetts, our dedicated legal team can assist you.

Our LTD attorneys have over 30 years of collective experience dealing with insurance companies.  We understand how they operate.  We have experience dealing with large insurance companies, such as Humana, MassMutual, Northwestern Mutual, and others.  Oftentimes, insurance companies prioritize their financial needs over the health needs of their clients.

We can act as a point of contact between you and your insurance company.  This ensures you never have to directly deal with them.  Moreover, we will track all deadlines; gather and submit all evidence; handle all correspondence with your insurer; represent you during litigation (if necessary); and continue to represent you even after an approval since insurers sometimes continue to ask for updated information.

CCK can alleviate the stress that comes with filing for LTD benefits.  We want you to focus on what matters most: your health.

Contact Chisholm Chisholm & Kilpatrick for a Free Consultation

If you have a debilitating medical condition that prevents you from working, you need to consider filing for long-term disability benefits.  The long-term disability lawyers at Chisholm Chisholm & Kilpatrick serving Massachusetts are ready to assist you wherever you are in the process.

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